Intelligent Finance

I must say I was surprised to see so many critical reviews of Intelligent Finance here on Ciao. I felt I must redress the balance somewhat as I have had a completely different experience with them. Intelligent Finance are a division of Halifax plc. They are solely internet based which is ideal for a lazy bones like me. Having come across a link to their website I went to investigate... The website (www.if.com) itself is clearly laid out and easy to understand. There are fantastic step by step demos which explain the way IF work using Macromedia Flash or Non Flash (text). You can find ... more

Unintelligent would be the name for you if you didn’t at least consider looking at this site if you were looking for a loan, a mortgage, a credit card or somewhere to invest your savings and open an account. I stumbled across this site when I was checking out interest rates for loans so I thought I would give it a go. www.if.com is the site I got to where the layout is very simple and easy on the eye to look at. With it’s soothing colour tones and easy navigation aspects, I found this site very informative and helpful. First you are taken to a plain simple page where you pick the ... more

Intelligent Finance the bank that did say Yes, unlike many others who did not…. There was me, 27 with a Halifax account and no one anywhere would let me have a Switch card. See, me like many others out there when I as a young lass made some silly mistakes with credit cards and store cards and loans…. Need I continue? So, after paying my dues and living like a good girl for a long time, I was shocked time after time to be turned down by everyone not just for a Switch card, but for accounts in general. Till one day my friend came to visit and recommended I try IF. I of course told him there was ... more

What attracted me to IF.com was the interest rates. They compare very well and came out on top when I did a search using www.moneysupermarket.com (another one of my comments). However my experiences from applying to this moment in time are far from good. Apart from taking almost 3 weeks to open my original plan (a savings account that doesnt even require a credit check)the contact between IF and myself was particuarlly poor. For security they have this type of "instant messaging" which is the only way to contact them. They dont accept ordinary emails. This is ok but it is time consuming and ... more

I have been a memebr of Intelligent Finance (I.F.)for around a year now and having spent so much of my time complaining about other banks I thought I should write something nice. I.F. are an entirely online bank and while they did start out as a subsidiary of Halifax are now entirely their own division. I point this out because I initially thought I could use the Halifax branches as their High Street "presence". This is pretty much not the case so if you have cheques or the odd bit of cash to pay in you have to send it to I.F. head office. This is by far the most inconvenient thing and really ... more