Intelligent Finance

Intelligent Finance has been sending out incorrect bank statements - and not telling anybody! Looking at my Intelligent Finance bank statement today (the paper version) I noticed that some recent Bill Payments did not seem to have gone through. I then looked at the on-line version, and bizarrely, the two were quite different! The online version had the bill payments shown correctly, but the paper one I had just received did not. The result was that my bank balance according to the paper statement was £1300 pounds more than the online one. Checking my statements carefully, I found the first error was on Jan 21st. I telephoned IF to ...  Read the complete review

We got a loan for £15,000 from IF even though our own bank who we were with for over 10 years said no! They agreed straight away over the phone, we had to send in a couple of months wage slips but got them bank within 1 week. The money was put in 24hours after they got the forms signed by us. No hassle, no stress, no fuss. They were very helpful and understanding and you actually got to speak to a person who you could then phone and ask for if you had any queries. It makes a difference!! They were also offereing a lower intrest rate than our high street ...  Read the complete review

Banks....we all have stories about banks.... and lets face it if there is anything to moan about this is one of the top topics that people like to moan about. Well this review is not going to be a moaning review. I must admit it is not going to be too technical. I am not that good with AER and the like. Intelligent Finance is an internet only bank based in Scotland,and is a subsidary of the Halifax. (I guess that means that they are now part of the Bank of Scotland too, now that they have merged) Let me fill you in and give you a bit of background. I opened up an account with Intelligent Finance about 6 months ago because I had ...  Read the complete review

Intelligent Finance is an internet only bank based in Scotland, actually about 1 hour from where I am writing this review. The basic thing you have to ask yourself is why switch to Intelligent Finance, so here goes: -Very fast service, they set everything up and transfer your direct debits etc very quickly. -A transparent process from begining to end. -Simple understandable products, you know what you are getting and what you will pay. -Mortgage holders may benefit from offsetting. -Good rates of interest for loans, credit cards and overdrafts. Ok credit interest. -Seems quite easy to get loans from them, certainly in comparison to ...  Read the complete review

I've had some serious access problems getting into this account, even with the customer services team on the phone. Since I've locked my account again, I can't face requesting a new password and waiting days for it to arrive to allow me to complete the transaction I wanted yesterday. This process, although proving robust for an idiot (?) like me, is also unbelievably frustrating to go through 5 or 6 times on the trot. It's also concerning from a security perspective. The good thing is that as I hold a savings account, I've no choice but to let the cash remain in there. ...  Read the complete review