Intelligent Finance (All You Need To Know In 2020)


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).

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GiveBackCashBack 2020