IF Internet Banking www.if.com

Closing an account. Simple enough?

Apparently not so.

Asking for the small funds to be transferred to a charity, they cannot do that.

As for the "right to be forgotten" let's not even go into that one!

Have been receiving mail for one of their customers several times per month for FOUR YEARS now. Contacted them several times to stop it but they haven't. Your personal data isn't safe with this company.

Inadvertently locked out of my bank account, due to putting in my password wrong, I was asked some very specific random questions like 'when you changed the name of a savings jar what did you rename it to and when did you do that' and was told I had failed security.

The only way to get back online was to be sent a code through the post. 3 days later and it still has not arrived. Until I get this I cannot file a complaint. I am put through to the offshore team who tell me 'be patient, calm down and wait for the postman'. Another call centre member of staff slammed down the phone. This is not helpful. They don't know who the finanacial ombudsman (one said 'please can you spell that?)

I will be moving my account as soon as I can. A customer who has banked with you and had an IF mortgage for 15 years, I am totally disillusioned.

The worst kind of customer experience.

Their 'Faster Payments Service' takes FOUR days- everyone else takes 10 minutes. It would be quicker for me to withdraw the cash, drive the other side of the country and stick it through the letterbox. They 'don't offer' this as a service - so not much point being a bank then is there. Total dinosaur of a bank.

I've had years and years of problems with IF. Constant mistakes with payments. Instructions not being carried out. Several have gone to the Ombudsman. Their only saving grace is most other banks are no better.

If you want to complain, you have to do it by phone or by web form secure message..... convenient as you, as a customer, have no record. Their idea if an email is a webform that you can't add attachments to. Useless.

What do I like about IF? They have a short name.

Excellent web site. Easy to use. It has never crashed whilst I’ve been using it or locked me out.

Easy to contact on phone.

Off set Mortgage excellent.

Interest rate very competitive.

“Jar” system of 6 sub accounts very handy for keeping track of various spend and save plans

Been with IF since 2001. It’s no Space Oddity that we are still with them. Brilliant bank.

Let’s hope they an open up for new customers on 1st January 2021.

Intelligent finance are a black hole to your financial management and personal time. Nobody answers the phone, and the online log in system is a total disaster - it's completely un-user friendly and you get locked out at the drop of a hat after which it takes up to a week to have a code mailed back to you and then you're required to phone them and spend god knows how much time back on the phone trying to get hold of them. They are a disgrace.

We have banked with IF for 11 years and had our mortgage with them; We have found them really easy to deal with, the best bank we have had had. The security is no different to any other bank account and I have never had a problem getting through to customer service. The assistants are always really pleasant, polite and helpful, take ownership of your request and have always do exactly what they say they will do.

We have had no difficulty moving money around, paying direct debits or seeing all accounts online. A remortgage was handled so easily and efficiently the money was in the account before we had sent the papers back. It was the least stressful mortgage we have ever arranged.

Well done IF, I wish you still did mortgages.

Reliable online site. Jar sweeping system is outstanding. They pay the going interest rates. Phone staff are always helpful. Security is well observed and works excellently. Shame no other bank tried to set up a comparable system for competition, but I suspect they were thought to be unbeatable.

Terrible telephone security, withdraw debit cards before expiry date without sending new ones. Started off as a decent service years ago but seems to be being left to die. Get the feeling they'd rather we all moved our custom elsewhere - have decided to do just that.