Choose Halifax if...
- You want reward account features.
- You like Lloyds Group app and branch access.
- You want a simple high street account.
- You may use Halifax borrowing or savings products.
Updated 3 July 2026 - High street bank comparison
Halifax vs Metro BankWhich should you choose?
Halifax and Metro Bank can both work as UK high street banking options, but they suit different priorities. Halifax may appeal if reward account options and lloyds group backing matters most, while Metro Bank may be worth comparing if you prefer store-style branch access, everyday banking and face-to-face support.
Quick verdict
Pick Halifax if you want reward account features.
Pick Metro Bank if you live near a metro bank store.
Choose Metro Bank if...
- You live near a Metro Bank store.
- You value face-to-face support.
- You want a no-monthly-fee current account.
- You may use savings or business banking alongside personal banking.
Halifax vs Metro Bank: side-by-side
| Category | Halifax | Metro Bank | Edge |
|---|---|---|---|
| Best overall fit | Reward account options and Lloyds Group backing | Store-style branch access, everyday banking and face-to-face support | Tie |
| Monthly fee | Standard and reward account options available. | Personal current account has no monthly account fee. | Tie |
| Branch access | Lloyds Banking Group branch network. | Store-style branch network, but coverage is smaller than the largest UK banks. | Tie |
| Mobile app | Good app for everyday account management. | App and online banking for everyday account management. | Tie |
| Savings | Savings and ISA products may be available. | Instant access, cash ISA, children's savings and fixed-term products may be available. | Tie |
| Support | Branch, phone, app and online support. | Store, phone, app and online support. | Tie |
| Extra products | Reward accounts, credit cards, loans, mortgages and savings. | Current accounts, savings, business banking and safe deposit boxes in selected stores. | Tie |
Final verdict
Halifax and Metro Bank are worth comparing side by side. The better fit depends on whether you care more about reward account options and lloyds group backing or store-style branch access, everyday banking and face-to-face support.
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