Latest banking news

Inflation all wrapped up

Oliver Roylance-Smith / 01 February 2012

Recent weeks have provided confirmation of the interest rate status quo from the Bank of England along with the release of the latest inflation figures from the Office for National Statistics. Combi... Read more

Inflation and interest rates - what it means for you

Oliver Roylance-Smith / 01 February 2012

In the last fortnight we have had a further vote on the base rate by the Bank of England’s Monetary Policy Committee as well as the revised inflation figures released by the Office for Nationa... Read more

Savings vs Inflation

Oliver Roylance-Smith / 29 November 2011

With so much uncertainty surrounding what will happen to inflation in the future, we review the current range of savings plans and see how their returns stack up against the rising cost of living. F... Read more

Savings Account Guides 

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 Do you know how safe your savings are? Should you choose a fixed rate or a bonus rate? Our useful savings guides could help you to make the most of your money.
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Latest savings commentary

Inflation all wrapped up

Oliver Roylance-Smith / 01 February 2012

Recent weeks have provided confirmation of the interest rate status quo from the Bank of England along with the release of the latest inflation figures from the Office for National Statistics. Combi... Read more

Savings vs Inflation

Oliver Roylance-Smith / 29 November 2011

With so much uncertainty surrounding what will happen to inflation in the future, we review the current range of savings plans and see how their returns stack up against the rising cost of living. F... Read more

What will happen to inflation

Oliver Roylance-Smith / 15 November 2011

With the spotlight well and truly on inflation, we take a look at the latest events that will have an impact on its future and consider what this might mean for savers. Bank of England holds firm Th... Read more

Latest investment commentary

What lies in store in 2012

Oliver Roylance-Smith / 10 January 2012

2011 has certainly been a year of strong themes which have dramatically shaped the market as well as the opportunities available for savers and investors. We take a look at what these have been and ... Read more

A review of the FTSE in 2011 and what we can learn

Oliver Roylance-Smith / 10 January 2012

The FTSE is one of the most important indicators of investment performance and acts as a key benchmark for many investors in the UK. For this reason we take a look back at 2011 and review what happe... Read more

Our Top 10 most popular plans in 2011

Oliver Roylance-Smith / 09 January 2012

With 2012 well underway, there is already a competitive range of plans available across a wide number of plan types, whether you are looking for traditional savings routes, investments with the pote... Read more

Birmingham Midshires Savings Accounts

Great rates with BM savings accounts

With Birmingham Midshires savings accounts you can find competitive fixed rates, with a range of terms to suit your needs. We don't currently offer any Birmingham Midshires savings accounts, but see below to to compare other market-leading rates:

Savings Selection
ProviderAccountRate TermApply
7.25%6 YearsApply Now >
A 6 year capital protected structured deposit plan designed to pay 7.25% annual income. Also available as a cash ISA and ISA transfer.
4.60%5 YearsApply Now >
Interest paid either Annually at 4.60% Gross/AER, Quarterly at 4.52% Gross or Monthly at 4.50% Gross. Minimum Deposit £10,000.
RPI Tracker5 YearsApply Now >
5 year capital protected structured deposit plan offering 100% of any growth in the Retail Prices Index with no cap, or a minimum return of 16%. Also available for Cash ISA and Cash ISA transfer.
Instant Access Savings Accounts Deals
ProviderAccountInterest Rate (AER)TermApply
2.90%Instant AccessApply Now >
2.90% AER variable (2.86% gross p.a.) including a fixed bonus of 2.36% gross p.a. for 12 months from account opening. After 12 months the rate will revert to the standard variable rate.
2.80%Easy AccessApply Now >
Includes a 0.89% bonus payment for the 1st 12 months giving you a return of 2.80% AER. Open with £1,000.
2.80%Instant AccessApply Now >
2.80% gross/AER variable including 12 month fixed bonus of 2.70%. Enter the Halifax Savers Prize Draw for a chance to win £100,000 or one of a thousand smaller prizes. (You must hold £5,000 in savings each month and register.)
Latest Fixed Rate Bond Deals
ProviderAccountInterest Rate (AER)TermApply
4.60%5 YearsApply Now >
Interest paid either Annually at 4.60% Gross/AER, Quarterly at 4.52% Gross or Monthly at 4.50% Gross. Minimum Deposit £10,000.
4.00%3 YearsApply Now >
Interest paid annually at 4.00% (gross), quarterly at 3.94% (gross), or monthly at 3.93% (gross). Minimum Deposit £10,000.
3.60%1 YearApply Now >
3.60% Gross/AER fixed for 1 year. Deposit from £1,000. No maximum deposit.
Growth Structured Deposits
ProviderPlan NameMaximum Potential Return*TermMore Info
Inflation Protected Deposit BondRPI Tracker 5 yearsMore Info >
5 year capital protected structured deposit plan offering 100% of any growth in the Retail Prices Index with no cap (minimum return of 16%). Also available for Cash ISA and Cash ISA transfer.
FTSE 100 3 Year Deposit Plan 19%3 yearsMore Info >
3 year capital protected deposit plan with the potential to receive a defined return of 19%. Also available for Cash ISA and Cash ISA transfer.
FTSE 100 Kick Out Deposit Plan - Option 26.25%
per annum		Up to
5 years		More Info >
Capital protected deposit plan with the potential to mature after years 2, 3, 4 and 5. If the plan matures early it will return 6.25% times the number of years the plan has been in force. Also available for Cash ISA and Cash ISA transfer.
* Maximum Growth Yields are not guaranteed and subject to certain conditions
The Birmingham Midshires fixed rate bond range offers a number of investment terms with competitive interest rates, all offering the follwing benefits:

  • Interest can be paid monthly or annually
  • Start saving from just £1
  • Apply online

See the tables to compare top savings deals, including fixed rate and instant access.

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