Intelligent Finance Current Account
Full product details for the Intelligent Finance Current Account, including application criteria, incentives, facilities, overdraft, rates and fee & charges.
 |  Compare Intelligent Finance current account details against other current accounts or use our current account comparison tables.Did you know Intelligent Finance also provide mortgages, savings and home insurance? | ||
| Company: | Intelligent Finance www.if.com | ||
| Product: | Offset Current Account Monthly Ex/C | ||
| details | |||
| Apply via this site: | Not available | ||
| |||
| Application Criteria | |||
 Minimum income: | £0 | ||
| Minimum Monthly Credit: | £0 | ||
| Minimum Investment: | £1 | ||
| Maximum Investment: | Unlimited | ||
| Minimum Age: | 18 | ||
| Maximum Age: | Unlimited | ||
| Existing Customer Only: |  | ||
| Area Restrictions: | none | ||
| Transfer Assistance: | | ||
| Incentives | |||
| Account Promotions: | | ||
| Incentive Cashback £: | £0 | ||
| Incentive Moneyback: |  | ||
| Incentive Pref Rate/Deals: | | ||
| Incentive Disc/Vouchers: | | ||
| Incentive Breakdown: | | ||
| Incentive Protection: | | ||
| Incentive Other Insurance: | | ||
| Incentive Savings Sweep: | | ||
| Incentive Currency: | | ||
| Incentive Other: | | ||
| Facilities | |||
| Internet Banking: | | ||
| Branch Banking: | | ||
| Telephone Banking: | | ||
| Post Office Banking: | | ||
| Standing Orders: | | ||
| Direct Debits: | | ||
| BACS Transfers: | | ||
| CHAPS Transfers: | | ||
| Bill Payment Service: | | ||
| Statement Frequency: | monthly | ||
| Min Additional Deposit: | Unlimited | ||
| Minimum Withdrawal: | Unlimited | ||
| Withdrawal Restrictions: | none | ||
| ATM Card: | | ||
| ATM Mini Statements: | | ||
| Max ATM Withdrawal: | £300 | ||
| Cheque Book: | | ||
| Cheque Guarantee Card: | £100 | ||
| Cheque Clearance Time: | 4 | ||
| Debit Card: | | ||
| Debit Card Type: | Visa | ||
| Passbook: | | ||
| Text Messaging Events: | | ||
| Text Mini Statements: | | ||
| Travel Ins Winter Sport: | | ||
| Overdraft | |||
| Overdraft Facility: | | ||
| Interest Free O/D Limit: | £0 | ||
| Automatic O/D Facility: | £0 | ||
| Overdraft Buffer Limit: | £0 | ||
| Overdraft Arrangement Fee: | | ||
| Auth O/D Rate-APR/EAR: | 10.05% | ||
| Mthly Auth O/D Charge: | £0 | ||
| Unauth O/D Rate-APR/EAR: | 25.25% | ||
| Mthly Unauth O/D Charge: | £28 | ||
| Overdraft Letter Charge: | £0 | ||
| Rates | |||
| Headline Interest Rate: | 0.1% | ||
| Rate Guarantee: | | ||
| Introductory Bonus: | 0% | ||
| Amount of Bonus: | 0% | ||
| Open-ended Bonus: | 0% | ||
| Non Standard Tiers: | | ||
| Gross AER - £1/£50: | 0.10% | ||
| Gross AER - £500: | 0.10% | ||
| Gross AER - £1,000: | 0.10% | ||
| Gross AER - £2,500: | 0.10% | ||
| Gross AER - £5,000: | 0.10% | ||
| Gross AER - £10,000: | 0.10% | ||
| Gross AER - £25,000: | 0.10% | ||
| Gross AER - £50,000: | 0.10% | ||
| Gross AER - £100,000: | 0.10% | ||
| Interest Payment Freq: | monthly | ||
| Interest on Withdrawal: | same day | ||
| Int Added to Account: | | ||
| Interest Paid by Cheque: | | ||
| Int Paid to Bank A/c: | | ||
| Int Paid to Other A/c: | | ||
| Int After Cash Deposit: | same day | ||
| Int After Cheq Deposit: | 3 working days | ||
| Int After BACS Deposit: | same day | ||
| Interest Variant: | | ||
| Max Balance High Interest: | Unlimited | ||
| Fee & Charges | |||
| Free Banking: | | ||
| Monthly Charge: | £0 | ||
| Standing Order Charge: | £0 | ||
| S/O Setting Up Charge: | £0 | ||
| S/O Amendment Charge: | £0 | ||
| S/O Cancellation Charge: | £0 | ||
| Unpaid S/O Charge: | £30 | ||
| Direct Debit Charge: | £0 | ||
| Debit card charge Europe: | 1.5% | ||
| D/D Setting Up Charge: | £0 | ||
| D/D Amendment Charge: | £0 | ||
| D/D Cancellation Charge: | £0 | ||
| Unpaid D/D Charge: | £30 | ||
| CHAPS Charge: | £25 | ||
| Stopped Cheque Charge: | £7.5 | ||
| Unpaid Cheque Charge: | £30 | ||
| Transaction Charge: | 0 | ||
| Unauth Transaction Fee: | £0 | ||
| ATM Withdrawal Charge: | £0 | ||
| ATM charge Europe: | 1.5% | ||
| A/c Transfers Int. Free: | | ||
| Bankers Reference Charge: | £0 | ||
| Copy Cheque Charge: | £5 | ||
| Duplicate Stat Charge: | £5 | ||
| Forex fee % Europe: | 2.25% | ||
| Other Charges: | | ||
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