Intelligent Finance

If you did choose to open an account with Intelligent Finance it shouldn't be viewed as a standalone current account you do need a high street branch account as well. I used to have a current account and a deposit account with this bank, the offer being that as long as you had money on deposit you would earn the same amount of interest on your current account- which was a good deal. But without telling me or to give them the benefit of the doubt, by telling me in small print- this stopped. Once I realised, I closed the savings account and now the benefits of having a cheque account as a back up earning interest are gone. I got my statement this morning and I had earned ...  Read the complete review

**I'm reviewing this bank purely as a saver and my thoughts should be viewed in this light!** At the beginning of this year I decided that sitting under an umbrella of debts gathered during my time as a student was less than beneficial to both my prospects of ever getting a mortgage and more importantly, my sanity :-) I turned to Intelligent Finance who were offering a very healthy interest rate on their iSaver product at the time. The interest rate has since fallen, but it remains at a competitive level and is guaranteed to be at least 1% above the base rate until the end of 2009. This suited me ideally, as I hope to be debt free by ...  Read the complete review

When I needed a new current account (well my very first one really), I decided to begin my hunt on the internet. Seeing as this was going to be my first “proper” account and I’d never had any form of credit, my credit score was quite low and many of the banks either refused to allow me to open account, or placed huge restrictions on what I would be able to do with it. But this was not the case with Intelligent Finance, they not only allowed me to open a current account, but also allowed me to add a savings account and credit card. Let me tell you I was one happy bunny. But I’m getting ahead of myself, I should really tell you a bit about the bank and ...  Read the complete review

You will still need a high street branch - Advantages: Offsetting, Rates, website - Disadvantages: No branches, No common sense, Faceless

Unintelligant Finance - Advantages: Will lend more than other financial institutions. - Disadvantages: Very disorganised., You can only speak to call centers., Very poor service