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Halifax Reward Current Account

From the Halifax site:
The £5 Reward payment is paid 'net' of income tax. This means we pay it after taking off income tax at the rate set by law (currently 20%). If you're a higher-rate taxpayer, you may have to pay extra income tax on the reward payment. The amount before we take off income tax is £6.25. You may reclaim tax from HM Revenue & Customs if the amount of tax we have taken off is more than you have to pay.

I am a non-taxpayer (earning under the personal allowance) at present.
Am I correct in reading that I can put in a claim to HMRC for the overpayments Halifax have done on my behalf?

How long do I have to claim - can I leave it a few years and do it all in one go?
Said Aristippus, “If you would learn to be subservient to the king you would not have to live on lentils.”
Said Diogenes, “Learn to live on lentils and you will not have to be subservient to the king.”[FONT=Verdana, Arial, Helvetica][/FONT]

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