This account offers:

An interest rate of 2.75% AER/GROSS Variable, calculated on the basis of daily balances - one of the UK's highest
Fee-free overdraft, with an interest rate of just 9.80% EAR for authorised overdrafts
Withdraw up to £300 a day from over 800,000 cash machines all over the world
Debit card, with £100 cheque guarantee facility

View your balance, move money and pay bills with our easy to use online banking service.
Hassle free move: our dedicated team will ensure all your direct debits and bill payments are moved over quickly and efficiently - and they'll keep you informed every step of the way
Open Direct Access Savings with as little as £1 and earn the savings rate of interest on your entire current account balance.

By offsetting you can use the balance of your current account to reduce the amount of interest you pay on the money you borrow. For example, if you have £1500 outstanding balance on a credit card and £1000 in your current account, by not receiving interest on your current account balance, you'll only pay interest on £500 of your outstanding credit card balance.

And unlike other banks who offset, you don't need to have a mortgage with IF - you can also offset your Intelligent Finance personal loan and/or credit card.