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Your online security

How to stay safe online

Our online security systems work hard to stop fraud and identity theft. But it's always a good idea to be extra vigilant when you're managing your finances online.

In this area of the site we've included some information on how you can help yourself stay safe online.

Online security

Using our online account management service and answers to your common questions.

More on online security >

Watch out for fraud

With internet scams on the increase, you need to look out for those fraudulent emails.

More on fraud >

Keeping your records safe

Some of the steps you can take to safeguard your personal information.

More on keeping your records safe >

Our tips for staying safe online

If you have to use a computer in a public place take extra care

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.

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© 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/.