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 NatWestWhich should you choose?
Halifax and NatWest 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 NatWest may be worth comparing if you prefer reward banking, app features and everyday current accounts.
Quick verdict
Pick Halifax if you want reward account features.
Pick NatWest if you want reward-style everyday banking.
Choose NatWest if...
- You want reward-style everyday banking.
- You value a strong mobile app.
- You want branch support as backup.
- You may use wider NatWest products.
Halifax vs NatWest: side-by-side
| Category | Halifax | NatWest | Edge |
|---|---|---|---|
| Best overall fit | Reward account options and Lloyds Group backing | Reward banking, app features and everyday current accounts | Tie |
| Monthly fee | Standard and reward account options available. | Standard and reward account options available. | Tie |
| Branch access | Lloyds Banking Group branch network. | Large branch network, with app and online banking. | Tie |
| Mobile app | Good app for everyday account management. | Highly rated mobile app with spending and card controls. | Tie |
| Savings | Savings and ISA products may be available. | Linked savings and regular saver options may be available. | Tie |
| Support | Branch, phone, app and online support. | Branch, phone, app and online support. | Tie |
| Extra products | Reward accounts, credit cards, loans, mortgages and savings. | Reward account, credit cards, loans, mortgages and business banking. | Tie |
Final verdict
Halifax and NatWest are worth comparing side by side. The better fit depends on whether you care more about reward account options and lloyds group backing or reward banking, app features and everyday current accounts.
Continue researching
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