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General account management

Answers to your common questions

How do I change from one type of account to another?

To transfer funds from an existing Birmingham Midshires account to a new Birmingham Midshires account, call us on 0345 602 2828.


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How do I change my address on my account?

If you have a telephone or internet account, call us on 0345 602 2828. For all other accounts, write to us at:

BM Savings team
Birmingham Midshires

Pendeford Business Park
Wobaston Road
Wolverhampton
WV9 5HA

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How do I change my email address?

We need to carry out additional security checks before we can change your email address. Please write to us with a note of your new email address to:

BM Savings team
Birmingham Midshires

Pendeford Business Park
Wobaston Road
Wolverhampton
WV9 5HA

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I've changed my name, what do I need to do?

Please write to us including either the original marriage certificate, change of name deed or divorce papers, or copies of these documents certified by a solicitor. We'll return these documents to you together with confirmation of change within five bank working days. In your letter, please provide an example of your old signature and your new signature.

Write to:

BM Savings team
Birmingham Midshires
Pendeford Business Park
Wobaston Road
Wolverhampton
WV9 5HA

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How do I change account holders?

To add or remove account holders, you'll need to complete a form of transfer. We'll also need the account passbook (if one has been issued). Call us on 0345 602 2828 to obtain a form of transfer (lines are open 8am-8pm, Monday to Saturday).

If an additional account holder does not already hold an account with Birmingham Midshires, we'll need them to provide us with suitable identification documents.

You cannot change the name of the account holder on an ISA or an internet account.

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Where can I find my nearest branch?

Birmingham Midshires is a direct operation offering internet, telephone and postal accounts only. We don't have a branch network.


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Where can I find the current interest rate on my account?

For variable rate savings accounts you can find current and historical interest rates for available and closed accounts on this site.


Interest Rates >


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How do I order a certificate of interest or statement?

Call us on 0345 602 2828 or use our enquiry form.

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I want to make a deposit. What are your bank details?

For payments through the Faster Payments Service:
Sort Code 20 97 78 Account Number 00968773

For telegraphic transfers:
Sort Code 20 97 78 Account Number 10968870

You must quote your personal account number as your reference.

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Can I withdraw funds from my account using telegraphic transfer?

We do not offer this service to internet or telephone easy access account customers. Most payments directly to another UK account are now made using the Faster Payments Service. This means payments are usually sent and received on the same bank working day, but no later than the end of the next bank working day.

Alternatively, we can make a same day transfer from your account directly to another UK account. To ensure it goes on the same day, you need to make this instruction in writing to us no later than 12 noon Monday to Friday. The fee for a telegraphic transfer is £35.

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Why does the incorrect address appear for my bank when I set up a Linked Account?

We show the bank address for your clearing bank. This may not be your local bank branch address; it may be their regional or head office address. Providing you've entered the sort code and account number correctly, your Linked Account will be set up correctly.

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Why do I have to produce identification documents to open an account?

All financial institutions are required by law to confirm the identity and address of customers when a new account is opened. If we can't verify this information using electronic means, we may have to see some paper based form of identification and proof of address.

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How do I open an account using a power of attorney?

Call us on 0345 602 2828. You'll need to have your personal details and the beneficiary's details to apply. These include:

  • Full name
  • Address
  • Date of birth
  • Telephone number (land line and mobile)
  • Job title/occupations
  • Bank details

You must have a power of attorney before you can open the account.

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Can I apply online for an account from outside the UK?

To complete the online application, you must be a UK resident. We're unable to endorse the use of our services from abroad. If you complete the online application process while in the UK, you may be able to use our online service abroad, but only to view your account. This is dependent on the local banking laws.

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Can I use my savings account as a business account?

No, our accounts are strictly personal savings accounts. You can only transfer money to and from one Linked Account. It is therefore not suitable as a business account.

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How do I opt out of marketing for my savings account?

We may use your account details, transactions and information provided to us by third parties in our customer contact programme. Occasionally, members of our group of companies may contact you to inform you about other products and services that may interest you. We try to limit our customer contact programme to acceptable levels, but if you wish to exercise your right to opt out, simply write to us at:

BM Savings team
Birmingham Midshires
Pendeford Business Park
Wobaston Road
Wolverhampton
WV9 5HA

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Can I email enquiries to you?

We're happy to receive and respond to email queries. However, as email is not absolutely secure, we'll not be able to include any information specific to your account. This will need to be sent to you in writing.

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What is your complaints procedure?

Complaints procedure >


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I've received an email from Birmingham Midshires, but parts of it are missing, or pictures are replaced with an X. How can I see the email?

Some email programs block pictures, to protect you from malicious content.

To make sure you can see our emails, add bm@esavingsaccount.co.uk to your 'safe senders' email list, or look at the top of the email window for an option to 'show all pictures in this email'.


Refer to your email program instructions for further information if you're still unsure how to view the content of the email.

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FSCS – protecting your money. Find out more here.

Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs.

AER means Annual Equivalent Rate. AER illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers.

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 0800 111 6768. Alternatively call the Money Advice Service on 0300 500 5000 or visit www.moneyadviceservice.org.uk.