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Changes to our existing savings accounts

Changes to our accounts

We have made some changes to our savings accounts and conditions. These changes make it easier for you to manage your accounts.

We know that you sometimes need all the detail about an account you already hold with us. For details about how your account works, take a look at the General Savings Conditions (PDF).

The current interest rates for your savings accounts can be seen on our interest rates page.

Select the savings products below to see the changes we've made.

Our savings products

  1. Standard Saver Internet
  2. Standard Saver Postal ISA
  3. Standard Saver Postal
  4. Standard Saver Telephone
  5. Standard Saver Internet ISA

1. Standard Saver Internet - 0.01% Gross/AER variable

Please see the Account Conditions PDF for information on your account.

We have simplified our savings range to make it easier to compare accounts and choose an account that is right for you. As a result, you'll see some changes to the accounts listed below.

View Products Affected >

Direct Internet Savings Account
Easy Internet Savings Account
e-Saver
e-Saver (Issue 2)
Internet Easy Access
Internet Easy Access Account
Internet Easy Access Account (Issue 2)
Internet Easy Access Account Issue 5
Internet Easy Access Issue 2
Internet Easy Access Issue 3
Internet Easy Access Issue 4
Internet Easy Access Issue 6
Internet Easy Access Maturity Account
Internet Easy Access Post Bonus Account
Internet Matured Funds Account
Online Extra (Issue 1)
Online Extra (Issue 2)
Online Extra (Issue 3)
Online Extra (Issue 4)
Online Extra (Issue 5)
Online Extra (Issue 7)
Online Extra (Issue 8)
Online Extra (Issue 9)
Online Extra (Issue 10)
Online Extra (Issue 11)
Online Extra (Issue 12)
Online Extra (Issue 13)
Online Extra (Issue 14)
Online Extra (Issue 15)
Online Extra (Issue 16)
Online Extra (Issue 17)
Online Extra (Issue 18)
Online Extra (Issue 19) Stage 2
Online Extra (Issue 20) Stage 2
Online Extra (Issue 21) Stage 2
Online Reward (Issue 1)
Online Reward (Issue 2)
Online Reward (Issue 3)
Online Reward (Issue 4)
Online Saver Account
Staff Direct Internet Savings Account

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2. Standard Saver Postal ISA - 0.01% Tax Free/AER variable

Please see the Account Conditions PDF for information on your account.

We have simplified our savings range to make it easier to compare accounts and choose an account that is right for you. As a result, you'll see some changes to the accounts listed below.

View Products Affected >

Direct ISA (Issue 1)
Direct ISA (Issue 2)
Direct ISA (Issue 3)
Direct ISA (Issue 4)
ISA Extra (Issue 2) Stage 2
ISA Extra (Issue 3) Stage 2
ISA Extra (Issue 4) Stage 2
ISA Extra (Issue 5) Stage 2
ISA Extra (Issue 5) Stage 2
ISA Extra (Issue 6) Stage 2
ISA Extra (Issue 7) Stage 2
ISA Extra (Issue 8) Stage 2
ISA Extra (Issue 9) Stage 2
ISA Extra (Issue 10) Stage 2
ISA Extra (Issue 11) Stage 2
ISA Extra (Issue 12) Stage 2
ISA Extra (Issue 13) Stage 2
ISA Extra (Issue 14) Stage 2
ISA Extra (Issue 15) Stage 2
ISA Extra (Issue 16) Stage 2
ISA Extra (Issue 17) Stage 2
ISA Extra Monthly (Issue) Stage 2
ISA Extra Monthly (Issue 3) Stage 2
ISA Extra Monthly (Issue 5) Stage 2
ISA Extra Monthly Interest Stage 2
ISA Extra Monthly Interest (Issue 2) Stage 2
ISA Extra Monthly Interest (Issue 4) Stage 2
ISA Extra Monthly Interest (Issue 5) Stage 2
ISA Extra Monthly Interest (Issue 6) Stage 2
ISA Extra Monthly Interest (Issue 7) Stage 2
ISA Extra Monthly Interest (Issue 9) Stage 2
ISA Extra Monthly Interest (Issue 10) Stage 2
ISA Extra Monthly Interest (Issue 11) Stage 2
ISA Extra Monthly Interest (Issue 12) Stage 2
ISA Extra Monthly Interest (Issue 13) Stage 2
ISA Extra Monthly Interest (Issue 14) Stage 2
ISA Extra Monthly Interest (Issue 15) Stage 2
ISA Extra Monthly Interest (Issue 16) Stage 2
ISA Extra Monthly Interest (Issue 17) Stage 2
ISA Extra Monthly Interest (Issue 18) Stage 2
ISA Extra Stage 2
ISA Extra (Issue 18) Stage 2
ISA Matured Funds Account

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3. Standard Saver Postal - 0.01% Gross/AER variable

Please see the Account Conditions PDF for information on your account.

We have simplified our savings range to make it easier to compare accounts and choose an account that is right for you. As a result, you'll see some changes to the accounts listed below.

View Products Affected >

BM Postal Account (Issue 1)
Deceased ISA Postal Holding Account
Diana Memorial Fund Account
Direct Postal Savings Account
Equity TESSA deceased Account
Matured (Issue 1)
Matured (Issue 3)
Matured Funds Account
Matured Funds
Maturity Account (Chase De Vere)
Postal Access Savings Account
Postal Access Savings (Issue 1)
Postal Access Savings (Issue 2)
Postal Access Savings (Issue 3)
Postal Access Savings (Issue 4)
Postal Access Savings (Issue 5)
Postal Access Savings (Issue 6)
Postal Access Savings (Issue 7)
Postal Extra
Postal Extra (Issue 2)
Postal Extra (Issue 3)
Postal Extra (Issue 4)
Postal Extra (Issue 5)
Postal Extra (Issue 6)
Postal Extra (Issue 7)
Postal Extra (Issue 8)
Postal Extra (Issue 9)
Postal Extra (Issue 10)
Postal Extra (Issue 11)
Postal Extra (Issue 12)
Postal Extra (Issue 13)
Postal Extra (Issue 14)
Postal Extra (Issue 15)
Postal Extra (Issue 16)
Postal Extra (Issue 17)
Postal Extra (Issue 18)
Postal Extra (Issue 19)
Postal Extra (Issue 20)
Postal Extra (Issue 21)

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4. Standard Saver Telephone - 0.01% Gross/AER variable

Please see the Account Conditions PDF for information on your account.

We have simplified our savings range to make it easier to compare accounts and choose an account that is right for you. As a result, you'll see some changes to the accounts listed below.

View Products Affected >

Access Savings Account
Access Savings Account (Issue 2)
Access Savings Account (Issue 3)
Access Savings Account (Issue 4)
Access Savings Account (Issue 5)
Base Rate Tracker Savings Account
BM Telephone Account (Issue 1)
BM Telephone Account (Issue 2)
BM Telephone Account (Issue 3)
Direct Telephone Fixed Maturity
Direct Telephone Savings Account
Staff Direct Telephone Savings Account
Easy Telephone Savings Account
Telephone Access Account
Telephone Access (Issue 2)
Telephone Extra Account (Issue 2)
Telephone Extra Account (Issue 3)
Telephone Extra Account (Issue 4)
Telephone Extra Account (Issue 5)
Telephone Extra Account (Issue 5)
Telephone Extra Account (Issue 6)
Telephone Extra Account (Issue 7)
Telephone Extra Account (Issue 8)
Telephone Extra Account (Issue 9)
Telephone Extra Account (Issue 10)
Telephone Extra Account (Issue 11)
Telephone Extra Account (Issue 12)
Telephone Extra Account (Issue 13)
Telephone Extra Account (Issue 14)
Telephone Extra Account (Issue 15)
Telephone Extra Account (Issue 16)
Telephone Extra Account (Issue 18)
Telephone Extra Account (Issue 17)
Telephone Extra Account (Issue 19)
Telephone Extra Account (Issue 20)
Telephone Extra Monthly Interest Account
Telephone Premium (Issue 2)
Telephone Premium
Telephone Saver (Issue 1)
Telephone Saver (Issue 2)

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5. Standard Saver Internet ISA - 0.01% Tax Free/AER variable

Please see the Account Conditions PDF for information on your account.

We have simplified our savings range to make it easier to compare accounts and choose an account that is right for you. As a result, you'll see some changes to the accounts listed below.

View Products Affected >

Internet ISA Extra

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View our Closed Accounts

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.

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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.