A current account with Intelligent Finance helps your money work harder, every day of the month.

This account offers:

An interest rate of 2.75% AER/GROSS Variable, calculated on the basis of daily balances - one of the UK's highest
Withdraw up to £300 a day from over 800,000 cash machines all over the world
Debit card, with £100 cheque guarantee facility

Hassle free move: our dedicated team will ensure all your direct debits and bill payments are moved over quickly and efficiently - and they'll keep you informed every step of the way

By offsetting you can use the balance of your current account to reduce the amount of interest you pay on your offset mortgage. For example, if you have £60,000 outstanding balance on an offset mortgage and £1000 in your current account, by not receiving interest on your current account balance, you won't pay interest on £1,000 of the outstanding mortgage balance.

There are three simple steps to moving your current account to IF. All we need are a few details from you, and we'll do the complicated stuff. You can just relax and wait for your money to start working harder.

What you need to do:

Step 1 Fill in the online application.


Step 2 Sign and date the agreement and pop it in the post

We'll send you an authorisation, which gives us the written permission we need to start moving your account. You just need to sign this, and send it back to us in the pre-paid envelope.


Step 2 Check that all the information we send you is correct, then tell us when you'd like the switch to take place. We'll give you a unique customer number to help you keep an eye on how things progress. Your authorisation allows us to get a list of standing orders and direct debits from your current bank.

We’ll then process your payments to go out of your new IF current account.

Click here and apply for an Intelligent Finance Bank Account