Intelligent Finance Internet Banking
Intelligent Finance Internet Banking
Intelligent Finance internet banking offers a range of financial products and services to its customers in the UK, including:
- For those in the housing market, an Intelligent Finance Mortgage is available, with the possibility of reducing interest payments through the technique of offsetting.
- Intelligent Finance loan – Loans with competitive rates of interest and deals for those who wish to borrow more than £7,000, with the options also available for early repayment without fees. Calculate how this compares to other UK loans using the online loan calculator.
- A range of credit cards such as the Life-Of-Balance Intelligent Finance credit card, with no interest on purchases for an introductory period following the opening of the account. Compare Credit Cards.
Established in 2000, Intelligent Finance is a division of Halifax plc and deals with thousands of customers. Halifax plc itself is a part of the HBOS group.
It aims to become one of the country’s leading direct banks, and have recently introduced a method that links the money customers have with the amount they borrow, designed to reduce the resulting interest payments.
| The Royal Deposit Plan | 4.15% | |
| This 3 year fixed rate deposit plan returns 4.15% a year - Interest paid annually |
| 5 Year Fixed Term Deposit Account | 4.00% | |
| Interest paid either Annually at 4.00% AER, Quarterly at 3.94% Gross or Monthly at 3.92% Gross. Minimum Deposit £10,000. |
| 18 Month Fixed Rate Bond | 2.80% | |
| 18 Month Fixed Rate - 2.80% AER. Open to new and existing customers. Click to learn more. |
| Santander 1 Year Fixed Rate Bond | Up to 2.80% | |
| Available to new and existing customers. Deposit over £1 and receive 2.60% AER, deposit over £10K to 2.75% AER |
| 9 Month Fixed Rate Bond | 2.60% | |
| 9 Month Fixed Rate - 2.60% AER. Open to new and existing customers. Click to learn more. |
Existing customers only | Fixed Rate Savings Bond: 1 year | 2.50% | |
| Two year fixed rates on balances £500 - £49,999 2.00% AER £50,000+ 2.50% AER |
Only Available to Nationwide Flex-Account customers | Nationwide E Bond: 6 months | up to 1.75% | |
| Earn 1.75% AER on balances over £1. |
| ING Direct Savings Account | 2.75% | |
| Rate guaranteed for 12 months from date account opened. Save from just £1. |
| e-Saver | 2.75% | |
| Instant access without penalty. Open with £1. Rate of 2.75% includes a 12 month bonus of 2.25%. AER without bonus is 0.50% |
| Direct Transfer Account | 2.70% | |
| Includes a 0.69% bonus payment for the 1st 12 months giving you a return of 2.70% AER. Open from £1,000. |
| Lloyds TSB International Bonus Saver | 2.01% | |
| 2.01% includes a 12 month bonus of 0.50%. Rate without bonus is 1.50% |
Only Available to Nationwide Flex-Account customers | Nationwide E Savings Plus | 2.00% | |
| [No bonus] Available to Nationwide Flex Account holders only. Rate applies where 3 or fewer withdrawals are made each year. |
| Direct Saver | 1.50% | |
| [No bonus] Tiered interest rates from 1.00% to 1.50% AER. Start saving from just £1. |
| Natwest E Savings | 1.00% | |
| [No bonus] Flat rate of interest. Just one rate which stays the same |
| Online Bonus Saver | 0.75% | |
| 0.75% including a 0.50% bonus on months where you don't make a withdrawal. Rate without bonus is 0.25%. |
| FTSE Income Plan |  | 6.75% pa* | |
| 6 year structured income plan with a fixed annual income return of 6.75% |
| Schroders Income Maximiser | | Click for Details | |
| The Schroder Income Maximiser Fund ISA aims to deliver a target income yield of 7% pa, also providing potential capital growth. Income is paid quarterly. |
| Invesco Perpetual Corporate Bond ISA | | 5.16%*** | |
| This highly popular fund aims to achieve a high level of overall return with relative security to capital. Income Paid to you twice yearly. Up to 100% Discount off the Standard Initial Fund Charge. |
| Artemis Income ISA | | 4.40%* | |
| One of the leading UK Equity Income Funds. The Fund managers hunt out companies with strong free cash flow and solid balance sheets. Income is paid to you twice yearly. 100% Discount off the Standard Initial Fund Charge. |
| M&G Corporate Bond ISA | | 4.24%* | |
| The M&G Corporate Bond Fund is a conservative ‘blue chip’ sterling fund that aims to produce a higher return than UK government bonds. Income is Paid to you Quarterly. 100% Discount off the Standard Initial Fund Charge. |
| Invesco Perpetual High Income Fund ISA | | 3.91%** | |
| One of the UK's most popular income fund ISAs the Invesco Perpetual High Income has delivered consistently good long term returns through a variety of market conditions. Income is paid to you twice yearly. 100% Discount off the Standard Initial Fund Charge. |
| Jupiter Merlin Income Portfolio | | 2.90%* | |
| The Jupiter Merlin Income Portfolio fund aims to achieve a high and rising income with some potential for capital growth. Income Distributions are made to you quarterly. 95% Discount Off the Standard Initial Fund Charge. |
* Income payments are dependent upon the FTSE 100 Index.
† Guaranteed income payments.
Disclaimer (Please Read)
Please bear in mind that:
- Investment ISAs are designed as medium to long term investments, for example at least five years.
- The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
- The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.
- The list of funds provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on an “execution only” basis.
- Full details of the funds, including investment performance statistics and risk profile will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
- Any income yield quoted is correct at the time of going to press. Income yields vary and are only estimates. The actual dividend income that you receive will depend upon the income payable by the underlying assets of the fund and could change, either up or down, at any time. Dividend income from an ISA will, under current legislation, be free of UK income tax. Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
- If you choose a fund which invests overseas, there is the addition of “exchange rate” risk which could reduce any gains or increase losses if the currency moves against you.
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