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Watching out for fraud

Watch out for these email cons

Phishing emails are becoming more and more common. Phishing happens when fraudsters impersonate a well established financial organisation.

The fraudsters send false emails, designed to trick people into revealing their personal details.

We never ask for your details

Birmingham Midshires will never ask you to send your personal details by email. And we'll never send an email that asks you to login to update your personal information.

If you receive a phishing email, don't click on any links it contains - even if it says you need to take immediate action. Delete the email right away, without opening it or any attachments.

Trojans and spyware

Trojans and spyware are malicious software programmes that can be downloaded without you knowing. They record information about your computer activity, and can be used by hackers to capture your login information.

An up-to-date antivirus programme is essential to detect trojans before they harm your computer. There are a number of free and commercial software programmes that claim to be able to remove these threats from your computer.

If you're suspicious

If you're ever concerned about any suspicious activity on your account, call us as soon as possible on 0345 602 2828. Lines are open 8am - 8pm Monday - Saturday.

Bank safe online

For more information and a step by step guide to staying safe online, visit bank safe online a website operated on behalf of the UK banking industry.

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