IF Internet Banking Reviews - www.if.com

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★★☆☆☆
1.9 / 5
32% of users recommend this
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Latest Reviews

★☆☆☆☆

“Choose another bank”

Written on: 09/02/2021 by Halevie (3 reviews written)

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… Read Full Review

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★★★★★

“IF. Great bank. ”

Written on: 14/05/2020 by 424Daugherty (1 review written)

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… Read Full Review

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★☆☆☆☆

“Intelligent Finance are a disgrace”

Written on: 21/05/2015 by Daltonw354 (1 review written)

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… Read Full Review

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Mpdch's Comment

Written on: 21/08/2015

completely agree!!!!!on hold for 45 minutes then person we want is on leave and told we can get a call back in 4 days!

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★★★★★

“Great Bank Account”

Written on: 20/05/2013 by ChurchEnd (1 review written)

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… Read Full Review

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★★★★★

“Happy customer to an unique service”

Written on: 25/03/2013 by CG42 (1 review written)

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… Read Full Review

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★★☆☆☆

“Terrible telephone security, withdraw debit cards...”

Written on: 27/05/2010

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… Read Full Review

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★☆☆☆☆

“ ”

Written on: 23/01/2010


An incredibly bad service.

I applied for a cash ISA - filled in the forms and sent them by post.

Received a letter requesting my landline number.

Had to ring them and wait... and wait... eventually got through. Gave them the number.

Tried logging on to if.com to add money to my cash ISA account.

No luck.

Terrible.

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★☆☆☆☆

“I really can't recommend intelligent Finance as an...”

Written on: 07/01/2010

I really can't recommend intelligent Finance as an internet bank account. They seem to have been named, like the Ministry of Defence or the Department of Health, the opposite of what it really is.

I've jotted down some of the many unexpected features of their online banking service which you may not discover until you try to use it.

Endless security is a pain and I doubt makes any real difference to security. What's the point of multiple numeric codes which have to be written down, rather… Read Full Review

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★☆☆☆☆

“IF security measures are way over the top. Am trying...”

Written on: 27/10/2009 by jmh88 (1 review written)

IF security measures are way over the top. Am trying to pay a credit card (not If) bill online and need to change the card number as I have been issued a new card but you cannot do it 'on line' without giving them your mobile number so that they can text you for security reasons. You cannot just enter your mobile either, you have to phone them to set it up. So spent an hour collating the numerous codes you need to just speak to them only to find they close at 8pm. AHHH! If I had 3 weeks to… Read Full Review

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★☆☆☆☆

“It was a few years ago that I was with IF, but I...”

Written on: 07/04/2009 by puma613 (1 review written)

It was a few years ago that I was with IF, but I thought id tell you my experience. (it wasn't good in the end!)

Everything ran fine for a while then suddenly my debit card kept bouncing payments. There were enough funds in the account but if I wanted to buy petrol at a petrol station say, the payemnt would be rejected. Also direct debits stopped working and the automatic payment that went from the current account to the loan account (loan repayment - the loan was with IF so this was internal… Read Full Review

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★★★☆☆

“I've banked online with IF for about 4 years. Great...”

Written on: 03/04/2009

I've banked online with IF for about 4 years. Great site, really good facilities, and apart from the hassle of the loads of numbers and codes you need to remember if you ever want to do anything not online which seems a bit over the top (jar, personal number, etc etc) its a really reliable service that does what it says on the tin… Read Full Review

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★☆☆☆☆

“Very frustrating to deal with in general. Not only...”

Written on: 12/09/2008 by bynoes13 (1 review written)

Very frustrating to deal with in general. Not only does one has to contend with bank account no, sort code but also you will be required to memorise 10-digit no, a plan security code, username, password, jar number not to mention personal security questions like father's first name, mother's name etc etc. It is all unnecessary and extremely aggravating! All of which is required for online banking!… Read Full Review

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★★★★☆

“My wife and I have been with IF for over a year now...”

Written on: 30/01/2008

My wife and I have been with IF for over a year now and so far we've been impressed with the level of service we've had from IF. Our mortgage, current and savings account is with IF, we currently have an interest only offset mortgage which we allows you to over pay. We don't earn interest on our savings or current account as these are offset against the mortgage… Read Full Review

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★★☆☆☆

“For years I paid a small amount of money into a Cash...”

Written on: 27/11/2007 by SteveNaive (4 reviews written)

For years I paid a small amount of money into a Cash ISA with IF. I would have interested credited once a year and everything was rosy in the garden. That was until I wanted to withdraw most of my money (£10,500) to pay a lump off my mortgage when remortgaging. I tried to transfer the amount from IF to my nominated current account with Lloyds. I was informed that this was not possible over the internet! Not bad for a web based account! I then called their customer services who informed that… Read Full Review

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★★☆☆☆

“When I first signed up with IF Internet Banking, the...”

Written on: 22/03/2006 by cowlibob (1 review written)

When I first signed up with IF Internet Banking, the site frequently blocked access. I was later told that my security questions, username and password were case sensitive. Probably a user error, but a pit fall all the same.

I like to list the direct debits which have yet to be payed this month, in order to get an accurate idea of how much I can spend / save. With cahoot, the best way was to list the direct debits, and it would show a table of DD names, dates and values all on one page. IF… Read Full Review

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★★★★☆

“The only problem I have with IF Internet Banking is...”

Written on: 14/12/2005 by jules36 (1 review written)

The only problem I have with IF Internet Banking is that sometimes you just can't access the site, but when it is up it's great… Read Full Review

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★★★☆☆

“IF's website shows all your transactions (not just the...”

Written on: 20/08/2005 by Dongle (2 reviews written)

IF's website shows all your transactions (not just the last few weeks).

Performance has been a bit slow recently ... I've had trouble signing-in on several occasions.

Very annoyingly, IF has moved their credit card to Halifax, so the sites are no longer integrated (they have also dropped some of the financial incentives to have all your products with them)… Read Full Review

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★★★★★

“Well, I have been sitting reading the reviews here...”

Written on: 08/08/2005 by Notamoaner (2 reviews written)

Well, I have been sitting reading the reviews here after being an IF customer since the start and am appalled by the reviews that I have read! Overall I have had nothing but great service from the bank and I have to say I have not always had this service from my previous bank!!!! I have my mortgage with them and so do my sister and parents and none of us have had any problems. All companies including banks will have problems and customers will be disatisfied, however it is all to common for… Read Full Review

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☆☆☆☆☆

“OK, IF sent me a letter to say that my credit card...”

Written on: 03/08/2005 by theobot2000 (2 reviews written)

OK, IF sent me a letter to say that my credit card would be cancelled on 10 July. What I didn't realise was that it would totally dissappear from my online banking page. So, I now have no way of knowing how much I owe, and how I can pay it off. I emailled them to ask how I can pay off the balance, and they said it was nothing to do with them and that I should phone some number (not freephone of course). They can whistle! Needless to say, I'm moved to another bank (A+L). Should have checked… Read Full Review

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★☆☆☆☆

“After being dumped by IF regarding ending the credit...”

Written on: 19/07/2005 by chajun (2 reviews written)

After being dumped by IF regarding ending the credit card offset facility I notice that they have the cheek to offer 0% credit card facilities for 9 months to customers who do not have any money with IF. Absolutely disgusting service.

This should have been offered to existing customers. Wouldn't surprise me soon to see the IF Marque vanish and it all just called Halifax Bank. At least we can then pay in cheques and get them cleared quicker… Read Full Review

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