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Easy access savings accounts

Withdraw money whenever you need it

With an easy access account your money's not locked away. You can make withdrawals and deposits whenever you like, and still earn a great rate of interest on your savings.

Variable rate Cash ISAs

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
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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 9) (yearly interest)isa extra (issue 9) (yearly interest)

£1

£1+
1.401.40%
Tax free/ AER Variable
£20,000+
1.651.65%
Tax free/ AER Variable
  • Unlimited
  • Manage by post

Single account holder only
Apply online
Apply by telephone
Yearly interest

£1+

£1014.00

£20,000+

£1016.50

  • A fixed bonus will be paid for the first 12 months. The interest rates shown include a 12 month bonus of: 0.90% for balances from £1 up to £19,999.99 and 1.15% for balances from £20,000+. After 12 months the the variable rate without bonus will apply, currently 0.50% tax free / AER.

isa extra (issue 9) (monthly interest)isa extra (issue 9) (monthly interest)

£1

£1+
1.391.39%
Tax free
1.40% AER Variable
£20,000+
1.641.64%
Tax free
1.65% AER Variable
  • Unlimited
  • Manage by post

Single account holder only
Apply online
Apply by telephone
Monthly interest

£1+

£1013.99

£20,000+

£1016.52

  • A fixed bonus will be paid for the first 12 months. The interest rates shown include a 12 month bonus of: 0.89% for balances from £1 up to £19,999.99 and 1.14% for balances from £20,000+. After 12 months the the variable rate without bonus will apply, currently 0.50% tax free / AER.
  • Single account holder only
  • Joint account holders available
  • Apply online
  • Apply by telephone
  • Monthly interest
  • Yearly interest
  • ISA transfers allowed
  • Interest on maturity

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