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Intelligent Finance is a division of Halifax plc, which merged in September 2001 with the Bank of Scotland to form a new banking group called HBOS. Since our launch in September 2000, we've provided a range of banking services, and created a radical new approach to personal finance.

Intelligent Finance

the HBOS group
Halifax and Bank of Scotland are two of the UK's bestknown and most wellliked banks.

Intelligent Finance


the Halifax is the UK's no.1 mortgage lender and savings provider, with over 150 years experience; Bank of Scotland has a 300year heritage, occupying a leading position in personal and business banking.

Intelligent Finance


the merger has allowed the two organisations to benefit from each othe r's areas of expertise, and build on each othe r's strengths to offer the ir customers an even better deal.

Intelligent Finance


the HBOS group includes a large number of brands, many of the m household names. You can see a list of the m here

Intelligent Finance

Intelligent Finance was launched in September 2000 as a completely new concept in personal finance. Designed to save customers money, the Intelligent Finance plan works by linking the money our customers have with the money the y borrow, reducing the amount of interest the y pay on the ir borrowings, or increasing the level the y earn on the ir savings.

Intelligent Finance


We've since become one of the country's leading direct banks.


Intelligent Finance


 





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