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About BM

Who we are and what we do

The savings specialist

Birmingham Midshires is the savings specialist. Hundreds of thousands of people in the UK use our savings accounts to help them make the most of their money.

Savings accounts >

And mortgages too

Birmingham Midshires also offers buy to let mortgages. Our mortgages for new and existing customers are only sold through independent financial advisers.

Find an independent financial adviser >

Our history

Our roots date back to 1849. We're the result of an amalgamation of some 50 building societies including the Midshires and Birmingham & Bridgwater Building Societies. Find information on the building societies that formed Birmingham Midshires.

Since January 2009, we've been part of Lloyds Banking Group. With a strong and supportive parent company, we continue to be a key provider of leading savings products to UK consumers.

More about Lloyds Banking Group >

FSCS – protecting your money. Find out more here.

Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product, which quotes an interest rate, will contain an AER you will be able to compare more easily what return you can expect from your savings over time.

NET rates are illustrative only, allowing for the deduction of income tax at 20%. If you are a higher rate tax payer, you may have a further amount to pay. If we deduct more tax than you have to pay this can be reclaimed from HMRC.

Tax free is the contractual rate of interest payable where interest is exempt from income tax.

For telephone line opening times, please read the information in our contact section. Calls may be monitored and recorded for security and training purposes. If you're calling from outside the UK, please dial +441902 428 311.

© Birmingham Midshires
This site is intended for UK residents unless otherwise stated.
Birmingham Midshires is a division of Bank of Scotland plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. Registered office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland No. SC327000.
To contact the FCA Consumer helpline, please ring 0300 500 5000 or visit