Interest Rates & Charges

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Current Account

Intelligent Finance no longer offer Current Accounts to new customers.

2nd December 2008 to 1st April 2009

Item EAR AER/Gross pa Gross Monthly
Credit Balance   0.10% 0.10%
Arranged overdraft 10.05%    
Unarranged overdraft 25.25%    

2nd November 2008 to 1st December 2008

Item EAR AER/Gross pa Gross Monthly
Credit Balance   1.25% 1.24%
Arranged overdraft 10.05%    
Unarranged overdraft 25.25%    

30th April 2008 to 1st November 2008

Item EAR AER/Gross pa Gross Monthly
Credit Balance   2.25% 2.23%
Arranged overdraft 10.05%    
Unarranged overdraft 25.25%    

2nd March 2008 to 29th April 2008

Item EAR AER/Gross pa Gross Monthly
Credit Balance   2.50% 2.47%
Arranged overdraft 10.05%    
Unarranged overdraft 25.25%    

31st December 2007 to 1st March 2008

Item EAR AER/Gross pa Gross Monthly
Credit Balance   2.75% 2.72%
Arranged overdraft 10.05%    
Unarranged overdraft 25.25%    

11th November 2006 to 30th December 2007

Item EAR AER/Gross pa Gross Monthly
Credit Balance   3.00% 2.96%
Arranged overdraft 10.05%    
Unarranged overdraft 25.25%    

27th August 2006 to 10th November 2006

Item EAR AER/Gross pa Gross Monthly
Credit Balance   2.75% 2.72%
Arranged overdraft 9.80%    
Unarranged overdraft 25.00%    

5th Sep 2005 to 26th August 2006

Item EAR AER/Gross pa Gross Monthly
Credit Balance   2.50% 2.47%
Arranged overdraft 9.80%    
Unarranged overdraft 25.00%    

28th Nov 2003 to 4th Sept 2005

Item EAR AER/Gross pa Gross Monthly
Credit Balance   2.75% 2.72%
Arranged overdraft 9.80%    
Unarranged overdraft 25.00%    

5th Aug 2003 to 27th Nov 2003

Item EAR AER/Gross pa Gross Monthly
Credit Balance   2.75% 2.72%
Arranged overdraft 8.39%    
Unarranged overdraft 25.00%    

29th Feb 2003 to 4th Aug 2003

Item EAR AER/Gross pa Gross Monthly
Credit Balance   3.00% 2.96%
Arranged overdraft 8.39%    
Unarranged overdraft 25.00%    

7th Oct 2002 to 28th Feb 2003

Item EAR AER/Gross pa Gross Monthly
Credit Balance   3.20% 3.15%
Arranged overdraft 8.39%    
Unarranged overdraft 25.00%    

5th Dec 2001 to 6th Oct 2002

Item EAR AER/Gross pa Gross Monthly
Credit Balance   3.20% 3.64%
Arranged overdraft 9.00%    
Unarranged overdraft 25.00%    

13th Nov 2001 to 4th Dec 2001

Item EAR AER/Gross pa Gross Monthly
Credit Balance   3.70% 3.64%
Arranged overdraft 9.50%    
Unarranged overdraft 25.00%    

17th Oct 2001 to 12th Nov 2001

Item EAR AER/Gross pa Gross Monthly
Credit Balance   3.85% 3.78%
Arranged overdraft 9.75%    
Unarranged overdraft 25.00%    

6th Sept 2001 to 16 Oct 2001

Item EAR AER/Gross pa Gross Monthly
Credit Balance   4.10% 4.10%
Arranged overdraft 9.75%    
Unarranged overdraft 25.00%    

5th June 2001 to 5th Sept 2001

Item EAR AER/Gross pa Gross Monthly
Credit Balance   4.50% 4.41%
Arranged overdraft 10.50%    
Unarranged overdraft 25.00%    

1st May 2001 to 4th June 2001

Item EAR AER/Gross pa Gross Monthly
Credit Balance   4.75% 4.65%
Arranged overdraft 10.50%    
Unarranged overdraft 25.00%    

29th September 2000 to 30th April 2001

Item EAR AER/Gross pa Gross Monthly
Credit Balance   5.00% 4.89%
Arranged overdraft 10.80%    
Unarranged overdraft 25.00%    

AER stands for the Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded each year.

EAR is the Equivalent Annual Rate. If we agree to let you have an overdraft, we will decide your overdraft limit and tell you what it is. Overdrafts are repayable on demand.

Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law (currently 20%).

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