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 SantanderWhich should you choose?
Halifax and Santander 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 Santander may be worth comparing if you prefer cashback-style accounts, bills and broad everyday banking.
Quick verdict
Pick Halifax if you want reward account features.
Pick Santander if you want cashback-style account benefits.
Choose Santander if...
- You want cashback-style account benefits.
- You pay household bills from your current account.
- You want branch and app access.
- You may use Santander savings or borrowing products.
Halifax vs Santander: side-by-side
| Category | Halifax | Santander | Edge |
|---|---|---|---|
| Best overall fit | Reward account options and Lloyds Group backing | Cashback-style accounts, bills and broad everyday banking | Tie |
| Monthly fee | Standard and reward account options available. | Standard and paid cashback-style account options available. | Tie |
| Branch access | Lloyds Banking Group branch network. | UK branch network with app and online banking. | Tie |
| Mobile app | Good app for everyday account management. | Good app for day-to-day banking and card management. | Tie |
| Savings | Savings and ISA products may be available. | Savings and ISA 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. | Cashback-style accounts, credit cards, loans and mortgages. | Tie |
Final verdict
Halifax and Santander are worth comparing side by side. The better fit depends on whether you care more about reward account options and lloyds group backing or cashback-style accounts, bills and broad everyday banking.
Continue researching
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