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Find the perfect account

For help with the Savings Finder call 0845 602 2828

Lines are open Monday to Saturday 8am-8pm.

Here's all our savings accounts. If you're still not sure which account is right for you, simply answer a few simple questions and we'll display relevant accounts after each question

Find out about power of attorney accounts.

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Question1

Are you looking for an ISA?



 

Did you know?

With a Cash ISA you can beat the tax man. You can save up to £5340 in 2011 / 2012 tax year and you don't pay any tax on your savings interest.

You must be at least age 18 to apply for an account online. You must be at least 16 to apply for an ISA or open an account by phone.

Easy access accounts

For regular and irregular savings, easy access accounts are a simple way to earn interest on your spare funds. You can always get your hands on your money if you need it and you won't lose any interest.

The estimated balance is for illustrative purposes only. It is based on the rates shown and assumes that the interest rate and rates of tax remain constant.

Refer to this key to help you understand the key features of these accounts.

  • Single account holder only
  • Joint account holders available
  • Apply online
  • Apply by telephone
  • Monthly interest
  • Yearly interest
  • ISA transfers allowed
  • Interest on maturity
Sort by:    Order by: 

Account and apply

Save from

Rates

Access

Features

Balance
after 12 months
(per £1k deposit)

Bonus rates

The estimated balance is for illustrative purposes only. It is based on the gross rates shown and assumes that the interest rate and rates of tax remain constant.

Online extra (issue 1) (yearly interest)Online extra (issue 1) (yearly interest)

£1000

£1,000+
2.602.60% Gross p.a./ AER
2.08% Net
£20,000+
3.003.00% Gross p.a./ AER
2.40% Net
£50,000+
3.203.20% Gross p.a./ AER
2.56% Net
  • Unlimited
  • Manage online

Single account holder only
Apply online
Yearly interest

£1,000+

£1026.00

£20,000+

£1030.00

£50,000+

£1032.00

  • All rates include a fixed bonus for 12 months. After 12 months, all rates revert to 0.50% gross/AER variable. See benefits and features and/or summary box for more infoirmation

Telephone extra account (issue 4) (yearly interest)Telephone extra account (issue 4) (yearly interest)

£1

2.40%
Gross /
AER
1.92% Net
  • Unlimited
  • Manage by phone

Joint account holders available
Apply online
Apply by telephone
Yearly interest

£1024.00

  • Bonus rate for the first 12 months the rates include a fixed bonus of 1.90%

Telephone extra account (issue 4) (monthly interest)Telephone extra account (issue 4) (monthly interest)

£1

2.37%
Gross
2.40% AER
1.90% Net
  • Unlimited
  • Manage by phone

Joint account holders available
Apply online
Apply by telephone
Monthly interest

£1023.96

  • Bonus rate for the first 12 months the rates include a fixed bonus of 1.90%
  • Single account holder only
  • Joint account holders available
  • Apply online
  • Apply by telephone
  • Monthly interest
  • Yearly interest
  • ISA transfers allowed
  • Interest on maturity

^ Back to top

Fixed rate bonds

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.

Refer to this key to help you understand the key features of these accounts.

  • Single account holder only
  • Joint account holders available
  • Apply online
  • Apply by telephone
  • Monthly interest
  • Yearly interest
  • ISA transfers allowed
  • Interest on maturity
Sort by:    Order by: 

Account and apply

Save from

Rates

Term

Access

Features

Balance
after 12 months
(per £1k deposit)

Bonus rates

The estimated balance is for illustrative purposes only. It is based on the gross rates shown and assumes that the interest rate and rates of tax remain constant.

5 year fixed rate bond (yearly interest)5 year fixed rate bond (yearly interest)

£1

4.65%
Gross /
AER
3.72% Net

5 year

  • Permitted subject to a loss of interest charge
  • Manage by post

Joint account holders available
Apply online
Apply by telephone
Yearly interest

£1046.50

There is no bonus available on this account.

5 year fixed rate bond (monthly interest)5 year fixed rate bond (monthly interest)

£1

4.55%
Gross
4.65% AER
3.64% Net

5 year

  • Permitted subject to a loss of interest charge
  • Manage by post

Joint account holders available
Apply online
Apply by telephone
Monthly interest

£1046.46

There is no bonus available on this account.

4 year fixed rate bond (yearly interest)4 year fixed rate bond (yearly interest)

£1

4.20%
Gross /
AER
3.36% Net

4 year

  • Permitted subject to a loss of interest charge
  • Manage by post

Joint account holders available
Apply online
Apply by telephone
Yearly interest

£1042.00

There is no bonus available on this account.

4 year fixed rate bond (monthly interest)4 year fixed rate bond (monthly interest)

£1

4.12%
Gross
4.20% AER
3.30% Net

4 year

  • Permitted subject to a loss of interest charge
  • Manage by post

Joint account holders available
Apply online
Apply by telephone
Monthly interest

£1041.99

There is no bonus available on this account.

2 year fixed rate bond (yearly interest)2 year fixed rate bond (yearly interest)

£1

3.60%
Gross /
AER
2.88% Net

2 year

  • Permitted subject to a loss of interest charge
  • Manage by post

Joint account holders available
Apply online
Apply by telephone
Yearly interest

£1036.00

There is no bonus available on this account.

2 year fixed rate bond (monthly interest)2 year fixed rate bond (monthly interest)

£1

3.54%
Gross
3.60% AER
2.83% Net

2 year

  • Permitted subject to a loss of interest charge
  • Manage by post

Joint account holders available
Apply online
Apply by telephone
Monthly interest

£1035.98

There is no bonus available on this account.
  • Single account holder only
  • Joint account holders available
  • Apply online
  • Apply by telephone
  • Monthly interest
  • Yearly interest
  • ISA transfers allowed
  • Interest on maturity

^ Back to top

Fixed rate Cash ISAs

Enjoy guaranteed rates of return on your tax free savings over one and five years.

Refer to this key to help you understand the key features of these accounts.

  • Single account holder only
  • Joint account holders available
  • Apply online
  • Apply by telephone
  • Monthly interest
  • Yearly interest
  • ISA transfers allowed
  • Interest on maturity
Sort by:    Order by: 

Account and apply

Save from

Rates

Term

Access

Features

Balance
after 12 months
(per £1k deposit)

Bonus rates

The estimated balance is for illustrative purposes only. It is based on the tax free rates shown and assumes that the interest rate and rates of tax remain constant.

5 year fixed rate ISA (yearly interest)5 year fixed rate ISA (yearly interest)

£500

4.25%
Tax free/ AER

5 year

  • Permitted subject to a loss of interest charge
  • Manage by post

Single account holder only
Apply online
Apply by telephone
Yearly interest
ISA transfers allowed

£1042.50

There is no bonus available on this account.

5 year fixed rate ISA (monthly interest)5 year fixed rate ISA (monthly interest)

£500

4.17%
Tax free
4.25% AER

5 year

  • Permitted subject to a loss of interest charge
  • Manage by post

Single account holder only
Apply online
Apply by telephone
Monthly interest
ISA transfers allowed

£1042.51

There is no bonus available on this account.

2 year fixed rate ISA (yearly interest)2 year fixed rate ISA (yearly interest)

£500

3.60%
Tax free/ AER

2 year

  • Permitted subject to a loss of interest charge
  • Manage by post

Single account holder only
Apply online
Apply by telephone
Yearly interest
ISA transfers allowed

£1036.00

There is no bonus available on this account.

2 year fixed rate ISA (monthly interest)2 year fixed rate ISA (monthly interest)

£500

3.54%
Tax free
3.60% AER

2 year

  • Permitted subject to a loss of interest charge
  • Manage by post

Single account holder only
Apply online
Apply by telephone
Monthly interest
ISA transfers allowed

£1035.98

There is no bonus available on this account.
  • Single account holder only
  • Joint account holders available
  • Apply online
  • Apply by telephone
  • Monthly interest
  • Yearly interest
  • ISA transfers allowed
  • Interest on maturity

^ Back to top

Variable rate Cash ISAs

All the benefits of an easy access account and tax free savings as well.

Refer to this key to help you understand the key features of these accounts.

  • Single account holder only
  • Joint account holders available
  • Apply online
  • Apply by telephone
  • Monthly interest
  • Yearly interest
  • ISA transfers allowed
  • Interest on maturity
Sort by:    Order by: 

Account and apply

Save from

Rates

Access

Features

Balance
after 12 months
(per £1k deposit)

Bonus rates

The estimated balance is for illustrative purposes only. It is based on the tax free rates shown and assumes that the interest rate and rates of tax remain constant.

ISA extra (issue 3) (yearly interest)ISA extra (issue 3) (yearly interest)

£1

First 12 months
2.752.75%
Tax free/ AER
12 - 15 months
2.722.72%
Tax free
1.97% AER
After 15 months
1.701.70%
Tax free/ AER
  • Unlimited
  • Manage by post

Single account holder only
Apply online
Apply by telephone
Yearly interest
ISA transfers allowed

After 12 months

£1027.50

  • Bonus rate for the first 15 months the rates include a fixed bonus of 1.05%

ISA extra (issue 3) (monthly interest)ISA extra (issue 3) (monthly interest)

£1

First 12 months
2.722.72%
Tax free
2.75% AER
12 - 15 months
2.722.72%
Tax free
1.96% AER
After 15 months
1.691.69%
Tax free
1.70% AER
  • Unlimited
  • Manage by post

Single account holder only
Apply online
Apply by telephone
Monthly interest
ISA transfers allowed

After 12 months

£1027.54

  • Bonus rate for the first 15 months the rates include a fixed bonus of 1.03%
  • Single account holder only
  • Joint account holders available
  • Apply online
  • Apply by telephone
  • Monthly interest
  • Yearly interest
  • ISA transfers allowed
  • Interest on maturity

^ Back to top

Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product, which quotes an interest rate, will contain an AER you will be able to compare more easily what return you can expect from your savings over time.

NET rates are illustrative only, allowing for the deduction of income tax at 20%. If you are a higher rate tax payer, you may have a further amount to pay. If we deduct more tax than you have to pay this can be reclaimed from HMRC.

Tax Free means free from personal liability to 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 for accepting deposits by the Financial Services Authority. It is entered in the FSA's Register and its Register Number is 169628. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ.
To contact the FSA Consumer helpline, please ring 0300 500 5000 or visit www.moneyadviceservice.org.uk/.