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

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