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Managing your telephone account

Answers to your common questions

How do I apply for a telephone account?

You can apply for all of our telephone accounts by phone. Call us on 0345 602 2828.

You can also apply for our telephone accounts online. To apply online, select the apply button on the account page and follow the instructions.

Make sure you read the terms and conditions of the account before applying.

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Can I apply for a telephone account online?

You can apply online for our telephone accounts if you're 18 or over, a UK resident and have a UK bank account that has the facility to set up direct debits, and is able to receive payments by the Faster Payments Service. You can apply online for a sole or joint account - maximum of two account holders.

Call us on 0345 602 2828 to apply for a telephone account:

  • Where there are more than two applicants
  • Under a power of attorney
  • On behalf of someone else (a beneficiary account)
  • If you're a member of overseas forces (BFPO)
  • If you're under 18 years of age

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What happens once I've applied for an account?

If you've applied online and provided an email address on your application form, here's what to expect:

  • We'll send you an acknowledgement email confirming your application has been submitted, if you have given us your email address
  • We'll also send a letter confirming that your Linked Account has been set-up
  • A separate letter will be sent asking for a cheque for the full amount you'd like to deposit. There will also be a confirmation slip or application form which all account holders must sign and return with any identification documents requested
  • Once all required documents have been received, your cheque will be paid in to your account
  • We'll send a welcome letter once your cheque has been paid in to your account

If you're a new telephone customer, a security tag letter will be sent to each account holder. This will hold a unique tag which you need to use to set up security. Once security has been set up on the account you can start to make transactions.

If you're an existing telephone customer, you can start making transactions on your account with your existing security details.

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Can I view and operate this account online?

You can only view internet savings accounts online. Even if you apply for a telephone account through our online application process, this account needs to be operated by phone.

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How do I set up security on my savings account?

If you don't already have another Birmingham Midshires account with security set up on it, a security tag will be sent to you automatically. If you forget your passwords, call us on 0345 602 2828 and we'll send you a new security tag.

Once you've received your security tag, follow these steps to set up your security:

  1. Call 0345 602 2828
  2. Select option 2 to set up security
  3. When requested by the agent, provide your security tag and you will be asked to provide memorable information to help verify yourself on future calls

It's important that you remember your password and security details, as it may result in a delay in accessing your money if we need to reset your security.

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What if I forget my password?

If you forget your password, you can request a security tag by calling us on 0345 602 2828. The security tag will be posted to your registered address and will explain what you need to do next. Once security has been set up, you'll receive a confirmation letter.

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How can I change my Linked Account?

To change your Linked Account, call us on 0345 602 2828 (lines are open 8am-8pm, Monday to Saturday). Your Linked Account must be able to receive payments through the Faster Payments Service.

If you change your Linked Account, it will take 10 bank working days to set up your new Linked Account. During this time, you'll be unable to make any deposits into your account. You'll also be unable to make any withdrawals for 5 bank working days.

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What's the number for the automated telephone banking service?

The number for the automated telephone banking service is 0845 609 1970.

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What is the automated telephone banking service?

This service lets you manage your finances at a touch of a button, day and night. Simply enter your account number and date of birth and answer the security questions. With the service you can:

  • Check your balance
  • Request a tax certificate
  • Transfer money to and from your Linked Account

The number for the automated telephone banking service is 0845 609 1970.

If you'd prefer to speak to a member of our Birmingham Midshires team, call 0345 602 2828 (lines are open 8am-8pm, Monday to Saturday).

If your account pays interest yearly you can't request a tax certificate until after the anniversary of your first deposit.

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Can I make deposits or withdrawals by cheque?

We only accept the opening deposit by cheque. Further deposits need to be made by direct debit from your Linked Account. Withdrawals will be made using the Faster Payments Service.

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When will I receive a statement?

We'll send you a statement each year on the anniversary of the account opening date.

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How do I close my telephone account?

To close your telephone account, call us on 0345 602 2828 (the lines are open 8am-8pm, Monday to Saturday) and answer your security questions. We'll close your account and send the money to your Linked Account using the Faster Payments Service.

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Can I make transactions on my account without speaking to an agent?

Our automated telephone banking service lets you manage your finances at the touch of a button, day and night. Simply enter your account number and date of birth and answer the security questions. You can then make deposits and withdrawals, check your balance and check interest rates.

To use this service, call 0845 609 1970.

For additional guidance and help on using this service, please follow this link Managing your account by telephone

Please note that if the password that you have set up is all numeric (that is, it contains no letters or other non-numeric characters), then you will still be allowed to make a transaction without having to speak to the automated facility simply by pressing the relevant phone buttons that correspond to the numbers when you are prompted to do so.

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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.

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