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Managing your account

Helping you get the most from your account

If you're new to Birmingham Midshires, or even if you've been saving with us for a while, you're bound to have some questions about your account.

Use this section to understand more about how your account operates and how you can get the most from it.

General account management

Find out how to open or manage your savings account.

General account management >

Managing your account by telephone

Find out how to manage your account using the telephone and the automated service.

Managing your account by telephone

The Phonetic Alphabet

When using the automated service you will need to use the phonetic alphabet to provide the characters in your password. Find out more about the standard phonetic alphabet.

The Phonetic Alphabet

Common questions

Answers to some common questions about:

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