Intelligent Finance

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Intelligent Finance

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Excellent

“Clever Money”

published 07/05/2001

ProLow interest rates and besides you don't lose anyt...

ConsObviously you are borrowing money which means debt...

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...

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Super

“Issue Free Finance”

published 02/07/2002

Promoney works harder than in a normal bank

Conscan be complicated to understand at first

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...

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Super

“An Intelligent choice ?????”

published 02/01/2005

ProGood rates of interest, all products with one bank

ConsNo high street branches

When I got my first internet enabled computer nearly three years ago, I decided to go mad and apply for many different credit cards on many different websites. Most refused me, but one that accepted was Intelligent Finance. I was, well to put it simply, chuffed to be accepted for my first credit...

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Good

ProThey gave me a Swtich card?!

ConsBeen locked out their website too many times!

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...

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Satisfactory

Progood interest rates

Consslow, inflexible, too many catches

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...

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Super

Progood comunication

Conswebsite can be a bit slow

I opened a Savings and Current account with Intelligent Finance (IF) in July 2001. I have been reading through the various opinions on IF, and think I must post my own, because I almost totally DISSAGREE with everyone else!!! I think that essentially IF must have changed (a lot, for the better)...

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Super

ProGood Online Software , Excellent Interest Rates

ConsInconvenient for Cheques / Paying In

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...

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Good

“IFs, buts and maybes of IF”

published 28/05/2001

Provery flexi payments on loans

Consstill has teathing problems

Its been about 8 months now since I opened my 1st plan with IF. I had a current acc with Halifax but they were charging me a £1 to use cash machines that were not thiers and the interest was pitiful. I spied IF and thought I would give them a whirl. I opened a Curr Acc, leaving all existing DDs...

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Super

“An inside view”

published 19/11/2005

ProBank online, keep track of your money

ConsNo high street branches

I worked for intelligent finance since just after launch until recently. I am not giving advice on whether or not you should bank with them or not. Just after reading a few reviews on them I felt I might be able to help with a few things and dispell a few myths!. Halifax and Bank of Scotland. We...

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Excellent

ProRead the review for full details of benefits

ConsNo where to pay cash in the High Street as it is I...

This is the best banking of the new millennium. We have all heard how banks want to make you more money well this one does no truly they do. IF, as they like to be called have came up with a revolutionary way to make customers better off, they could easily give customers money if they want it to...

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Not for me

“Incompetant Fools”

published 26/01/2002

Pronone

Conscalls never returned. not enough staff.

I made an application to Intelligent Finance online at their website. The thought of being able to place all my banking products together with one bank, was a welcome thought. The application was easy to make and the site was very easy to navigate. Lots of helpful hyperlinks to text with short...

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Satisfactory

“Not So Intelligent Finance”

published 28/07/2005

ProGood interest rates for both borrowing and saving.

ConsSlow international incoming transfers. Credit card...

OK ... I started off being really quite pleased, and proud of my Intelligent Finance accounts. I had been a student, and we all know what students are like with money. This was my first "working now ... going straight" account, and I opened up the current account, credit card and savings account...

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Super

ProVery high interest rates, Internet facility

ConsSlow, doesn't always record your actions properly

It had been over 6 weeks, but at last my long-awaited envelope had arrived. An envelope that would contain my path to an account offering an extremely high rate of interest, Internet access and a simple way of conducting my finances. I had been a Tesco Personal Finance saver ever since its...

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Super

ProCan dramatically cut interest on borrowings

ConsCustomer Service is quite poor, no paying in facil...

Intelligent finance, www.if.com provide a very easy to use and quite a novel online financial service. In case you don't know about them, they are part of the Halifax (HBOS) Group and in a nutshell, their service allows you to offset your loans against the money you have in your current / savings...

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Not for me

ProOnline Account

ConsOnline Account Doesn't Work and nethier do the Bus...

Having seen the wonderful advertising I thought I would transfer my money and accounts to IF. Before fully committing I decided to 'trial' the system and I am VERY glad I did. I recently read 'multivariates' opinion on IF and have had a VERY similar experience although mine may well end up more...

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Product Information : Intelligent Finance

Manufacturer's product description

Ciao

Listed on Ciao since: 25/08/2000