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Internet, telephone or post

How will you manage your account?

At Birmingham Midshires we want to offer you choice in how you manage your savings accounts with us. So we have accounts that you can apply for and access in different ways.

Online accounts

Online accounts are simple to manage. You can manage your account anytime, wherever you are - all you need is a computer with internet access.

When you save online you can be confident that we'll look after your security. We work hard to keep your money and your financial information safe - using password controlled access and secure servers.

Online accounts at a glance

  • Easy to manage from any computer with internet access
  • Secure password protected login
  • Available to anyone aged 18 or over
  • You'll need a UK personal bank account with a cheque book, that accepts direct debits
  • Joint online accounts are not available

Online Security >

Telephone accounts

If you prefer to speak to us directly, a telephone based account could be just right for you. Our automated telephone service is open round the clock, seven days a week, so you can manage your account when it suits you best. If you prefer to speak to us, we're available from 8am-8pm Monday to Saturday.

Telephone accounts at a glance

  • 24/7 opening
  • Secure password access
  • Available to anyone age 16 or over
  • You'll need a UK personal bank account with cheque book, that accepts direct debits
  • Joint accounts available

Postal accounts

If you prefer fixed term savings, and you're unlikely to carry out any transactions on your account, a postal account could be just what you're looking for.

Many of our ISAs, fixed rate bonds and guaranteed equity bonds are managed by post.

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.