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 Virgin MoneyWhich should you choose?
Halifax and Virgin Money 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 Virgin Money may be worth comparing if you prefer linked savings, packaged accounts and branch-backed everyday banking.
Quick verdict
Pick Halifax if you want reward account features.
Pick Virgin Money if you want current account-linked savings.
Choose Virgin Money if...
- You want current account-linked savings.
- You may value packaged account benefits.
- You want branch-backed banking with app support.
- You understand Nationwide and Virgin Money FSCS grouping should be checked.
Halifax vs Virgin Money: side-by-side
| Category | Halifax | Virgin Money | Edge |
|---|---|---|---|
| Best overall fit | Reward account options and Lloyds Group backing | Linked savings, packaged accounts and branch-backed everyday banking | Tie |
| Monthly fee | Standard and reward account options available. | Fee-free and paid Club M-style packaged current account options may be available. | Tie |
| Branch access | Lloyds Banking Group branch network. | UK branch support, with Nationwide group context to consider. | 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. | Linked savings, online savings, cash ISA, fixed-rate and limited-access products 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. | Current accounts, linked savings, packaged account benefits, credit cards, loans and mortgages. | Tie |
Final verdict
Halifax and Virgin Money are worth comparing side by side. The better fit depends on whether you care more about reward account options and lloyds group backing or linked savings, packaged accounts and branch-backed everyday banking.
Continue researching
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