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Fixed rate bond accounts

Fixed term savings accounts are longer term deposits, ideal for customers who don't need access to their money for a fixed period of time.

If you like the idea of saving with a known rate of return, our fixed rate bonds may be the answer. They pay a fixed rate of interest during the term and let you have access subject to a loss of interest charge. No access is allowed on terms of less than 2 years.

Fixed rate cash ISAs

If you haven't made the most of your tax free cash ISA allowance see our fixed rate tax free savings 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.

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.

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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