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Keeping your records safe

Making it harder for the fraudsters

You always lock your home when you leave it empty. In the same way, there are some steps you can take to keep your online information safe.

Keep your software up to date

Make sure your antivirus software is updated regularly - that way you'll be better prepared to combat new threats. Keep your web browser up to date as well, and set your computer to automatically download and install new security updates.

Always log out when you've finished

Don't just close the browser window. By logging out fully you can make sure your computer is no longer connected to an online banking server.

Don't leave your computer unattended when you're logged in, especially at your workplace or in a public place where others may be watching you.

Be careful when using a public computer

If you're using someone else's PC or a computer in a cafe or library, don't use it for changing your security details. You should only ever do this on your home computer, where you know that no-one else has access.

What happens if someone steals your details?

Once you've told us that someone knows your security details, you'll not be held responsible for any future activity on your account, so long as you've not acted fraudulently or with gross negligence. If you don't keep your security information secret, this may be considered grossly negligent.

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