Intelligent Finance, login, address and mortgage for 2021


Intelligent Finance (IF) is a Scottish offset bank, a division of Bank of Scotland plc which is part of Lloyds Banking Group.


It was established as a division of Halifax plc in 1999 by Jim Spowart, who helped establish other direct financial services firms including Direct Line.

Following a reorganisation of the HBOS group, it is now a division of Bank of Scotland plc.


IF's registered headquarters are in Edinburgh, with customer service operations based in Scotland (Livingston, West Lothian, and Rosyth, Fife.


It operates throughout the United Kingdom.

Intelligent finance contact details

Intelligent finance phone number

Telephone banking

0345 609 4343

Intelligent finance address

Intelligent Finance
PO Box 890

Lost or stolen cards

If your debit card has been lost or stolen, please call 0345 605 9595 

Company Information

Intelligent Finance is a division of Bank of Scotland plc. Registered in Scotland number SC327000. Registered office: The Mound, Edinburgh, EH1 1YZ, United Kingdom.


Bank of Scotland is part of Lloyds Banking Group. Bank of Scotland plc is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

Intelligent finance Login And Savings

Intelligent finance login, click here. Please note you must be registered to log in. You can register your account today.

Intelligent finance PPI

If you believe you are entitled to intelligent finance PPI contact them today. Intelligent finance PPI has a limited time for claims. Don't miss out on your claims today, intelligent finance PPI.


Cash ISA

  • Interest Rate - 0.05% tax-free/AER variable

  • Variable, easy access product

  • Operated online or by phone

  • Interest paid annually and tax-free

  • You can save up to £20,000 in the current tax year*

Cash ISA conditions have changed from 6th April 2018 with new regulations providing more choice to a surviving spouse or civil partner following the death of an ISA customer.

Intelligent Finance isaver - online only

  • Interest Rate - 0.01% gross/AER variable

  • Variable, easy access product

  • Operated online

  • Interest paid monthly or annually

Direct Access Savings

  • Interest Rate - 0.01% gross/AER variable

  • Variable, easy access product

  • Operated online or by phone

  • Interest paid monthly or annually

Make Safer Payments With Added Security

This is a new service to keep you safe, confirmation of Payee (CoP) a new account name checking service. When you send money to someone new this will help you make sure your payment goes to the right person.


These added security features are designed to help stop payments from going to the wrong person. The new security feature works by spotting possible mistakes and adding extra security steps to prevent fraud.

This added security feature will most definitely help reduce the possibility of errors in the banking system. This helps prevent costly time-consuming rework by you the customer.

List of new security features to help keep you safe online and on the phone

  • When you add a new recipient, we will now check these details with their bank:

  • Name on the account

  • Account number

  • Sort code

  • Type of account (to confirm if it is a personal or business account).

Intelligent Finance FAQ

Do Intelligent Finance still do mortgages?

Yes, IF does still do mortgages with an interest rate for an offset variable mortgage rate (currently 2.10%)

How do I close my Intelligent Finance account?

You can close your account by calling them, call them on 0345 609 4343 between 8 am and 10 pm Monday to Friday, 8 am and 6 pm on Saturday or 9 am and 6 pm on Sunday.

How do I pay a Cheque into intelligent finance?

Here is how you pay a cheque into intelligent finance, send your cheque to Intelligent Finance, PO Box 890, Leeds, LS1 9UG.

How do I pay cash into my Intelligent Finance account?

You can pay cash into yoyr savings jar by using a debit card. You can only do this by telephone. Please call IF for further details.

Intelligent Finance FAQ, Continued

What can I do with Intelligent Finance online banking?

  • check the balances on all your jars

  • View your most recent transactions

  • set up and make bill payments

  • move money between jars in your plan or to another plan

  • set up, amend and/or delete standing orders

  • make a one-off or regular deposits to, or withdrawals from, your savings

  • make overpayments on your offset mortgage

  • change your overdraft limit

  • change your bank details

  • change your contact details

  • view details of the current accounts paying your offset mortgage

How do I know if the card is contactless?

If you're not sure whether you've got a contactless debit card, just look for the symbol on the front. If it's there, you're ready to go.

How many times can you use a contactless card in a day?

You can use a contactless card as many times as you want, there is no limit. The bank may ask you for a pin just to make sure it's you.

How much can you spend on a contactless card?

From April 2020 the spending limit for contactless card payments will be increased from £30 to £45.

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GiveBackCashBack 2021

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