Fixed Term & Nominated Period

A secure place for your savings to grow

We offer a range of accounts providing a secure place for your savings to grow, giving you reassurance and peace of mind.

Opening a Birmingham Bank savings account is a convenient way to save your money. You can save as little or as much as you like and earn variable rates of interest on a day-to-day basis.

Key features

  • £1000 to open a general savings account.
  • £5,000 to open a Fixed Term or 6 month notice account
  • On demand, 1 month and 3 month’s notice accounts available (withdrawal notice subject to the banks discretion)
  • 6个月(185天)通知,并提供1年、2年和3年固定期限的新款项(视情况而定).
  • Variable/fixed interest rates.
  • Interest earned daily.
  • Interest paid March and September.

Financial Service Compensation Scheme

Your savings are covered by the Financial Services Compensation Scheme. Payments under the scheme are limited to a maximum payment to any one depositor of £85,000. Click here for our FSCS document.

Deposit Rates

Our rates are available here…

Download Rates PDF Here

Things to be aware of - Fixed Term

At Birmingham Bank we want to make sure you have all the information you require before agreeing to a facility. 因此,当你需要阅读和理解每个ballbet贝博官网的条款和条件时,下面的摘要提供了一些你可能想要知道的进一步细节.

Where can I find the current interest rates?

Our rates are available here…

Download Rates PDF Here

How and when do interest rates apply?

Interest is calculated daily on the cleared balance in the account.

Does the interest rate change based on product type

Yes, there are different interest rates that are applied depending on the length of the term you sign up for. 你投入的时间越长,回报就越好,在最长的投资中获得最高的利率.

Can Birmingham Bank change the interest rate?

The interest applicable to this account is fixed and will be advised on our website.

What is the eligibility criteria?

Full details are in the T&C’s but if you are over 18 years old then you can apply.

Is there a minimum amount?

The minimum deposit we can accept is £5,000 per individual or company.

Is there a maximum amount?

The maximum deposit is £75,000 (subject to your overall total placement with Birmingham Bank being no more than £250,000)

Can I withdraw my money?

本定期存款账户在存期内任何情况下均不得提款或提前关闭,除非客户死亡(如为联名账户)。

What happens at the end of the term

至少在学期结束前30天,ballbet贝博网会写信给您,询问您希望ballbet贝博网如何处理您即将到期的定期存款账户. 如果您在学期结束前未给ballbet贝博网指示(或ballbet贝博网无法合理地遵守您的指示),则在学期的最后一天(或下一个工作日,如果是周六), Sunday or Bank Holiday), ballbet贝博网会将您的存款重新投资到一个新的定期存款中,其期限与您原来的期限最接近(如果类似的定期存款不再可用,那么到期资金将保存在ballbet贝博网的标准存款账户中). If we reinvest your maturing Deposit in a new Term Deposit, then any time up to 14 days from the date of reinvestment, you may close your new Term Deposit without notice and without penalty.

How to get in touch

You can get in touch in writing, by phone or by email please see our contact page for details

Things to be aware of - Nominated Period

At Birmingham Bank we want to make sure you have all the information you require before agreeing to a facility. 因此,当你需要阅读和理解每个ballbet贝博官网的条款和条件时,下面的摘要提供了一些你可能想要知道的进一步细节.

Where can I find the current interest rates?

Our rates are available here…

Download Rates PDF Here

How and when do interest rates apply?

“The interest applicable to this account is variable and will be advised on our website. The interest on our variable rate products moves up and down in line with Bank of England Base Rate.
Interest is calculated daily on the cleared balance in the account.”

Does the interest rate change based on product type?

Yes, there are different interest rates that are applied depending on the length of notice, 通知期限越长,回报越好,对最长的投资支付最高的利率.

Can Birmingham Bank change the interest rate?

ballbet贝博网将通知您任何利率或任何其他条款的变化,给您至少14天的书面通知,这可以通过信函, email or in any other way which is sent to the authorised account holder individually.

What is the eligibility criteria?

Full details are in the T&C’s but if you are over 18 years old then you can apply

Is there a minimum amount?

The minimum deposit we can accept is £1,000 per individual or company

Is there a maximum amount?

The maximum deposit is £75,000 (subject to your overall total placement with Birmingham Bank being no more than £250,000)

Can I withdraw my money

Withdrawals or early closure of this notice deposit account are subject to the notice period of the account.

How to get in touch

You can get in touch in writing, by phone or by email please see our contact page for details

Terms and Conditions

1 Year (366 day) Term Deposit Account Terms and Conditions

The Term Deposit account is a fixed term, fixed interest rate account. 这是一种限制性储蓄账户,因为在存款期限结束前不允许支取,资金只能在存款开始时存入
1. Eligibility –
a. To have the account you must be at least 18 years old
b. Available to Birmingham Bank customers
c. Available to personal and business customers
d. Accounts can be opened in sole name or held jointly
e. 在任何情况下,申请人均须填妥申请表格,然后才可连同下列已结清款项开立户口(见2).b)
2. Deposits and Withdrawals –
a. The minimum deposit we can accept is £5,000 per individual or company and the maximum deposit is £75,000 (subject to your overall total placement with Birmingham Bank being no more than £250,000 – takes effect from 31st December 2020 – excluding accrued interest, at any one time)
b. 一开始,您只能以伯明翰银行为抬头,以您的名义开立支票入账, 通过以你的名义从另一个账户进行电子转账,或者通过伯明翰银行从你持有的另一个账户要求进行内部转账
c. 本定期存款账户在任何情况下均不允许提款或提前关闭,除非客户死亡或双方共同死亡
d. In the event of death the deposit and interest to the date of early closure will be repaid if required
3. Interest –
a. The interest applicable to this account is fixed and will be advised on our website
b. Interest is calculated daily on the cleared balance in the account
c. 对于任何再投资(见下文5),ballbet贝博网将在利率或账户其他条款发生任何变化时书面通知您
d. If the due interest date is a Saturday, 周日或英国银行假日的利息将计算至并包括上述日期,并在下一个工作日计入.
e. 利息将在半年的3月和9月支付到账户上,如果这种情况提前发生,则在账户关闭时支付
4. Term – This account has a fixed 366 day term
5. Maturity and Reinvestment –
a. 至少在学期结束前30天,ballbet贝博网会写信给您,询问您希望ballbet贝博网如何处理您即将到期的定期存款账户
b. 如果您在学期结束前未给ballbet贝博网指示(或ballbet贝博网无法合理地遵守您的指示),则在学期的最后一天(或下一个工作日,如果是周六), Sunday or Bank Holiday), ballbet贝博网会将您的存款重新投资到一个新的定期存款中,其期限与您原来的期限最接近(如果类似的定期存款不再可用,那么到期资金将保存在ballbet贝博网的标准存款账户中)
c. If we reinvest your maturing Deposit in a new Term Deposit, then any time up to 14 days from the date of reinvestment, you may close your new Term Deposit without notice and without penalty.
6. Tax Status –
a. Interest is paid gross (without taking off tax).
b. If you earn more interest than the Personal Savings Allowance, you may have to pay additional tax yourself.
c. The Personal Savings Allowance is £1,000 pa for basic rate taxpayers and £500 pa for higher rate taxpayers. Additional rate taxpayers do not receive a Personal Savings Allowance.

2 Year Fixed Term Deposit Account Terms and Conditions

The 2 Year Term Deposit account is a fixed term, fixed interest rate account. 这是一种限制性储蓄账户,因为在存款期限结束前不允许支取,资金只能在存款开始时存入
1. Eligibility –
a. To have the account you must be at least 18 years old
b. Available to Birmingham Bank customers
c. Available to personal and business customers
d. Accounts can be opened in sole name or held jointly
e. 在任何情况下,申请人均须填妥申请表格,然后才可连同下列已结清款项开立户口(见2).b)
2. Deposits and Withdrawals –
a. The minimum deposit we can accept is £5,000 per individual or company and the maximum deposit is £75,000 (subject to your overall total placement with Birmingham Bank being no more than £250,000 – to take effect from 31st December 2020 – excluding accrued interest, at any one time)
b. 一开始,您只能以伯明翰银行为抬头,以您的名义开立支票入账, 通过以你的名义从另一个账户进行电子转账,或者通过伯明翰银行从你持有的另一个账户要求进行内部转账
c. 本定期存款账户在任何情况下均不允许提款或提前关闭,除非客户死亡或双方死亡(如共同死亡)。
d. In the event of death the deposit and interest to the date of early closure will be repaid if required
3. Interest –
a. The interest applicable to this account is fixed and will be advised on our website
b. Interest is calculated daily on the cleared balance in the account
c. 对于任何再投资(见下文5),ballbet贝博网将在利率或账户其他条款发生任何变化时书面通知您
d. If the due interest date is a Saturday, 周日或英国银行假日的利息将计算至并包括上述日期,并在下一个工作日计入.
e. 利息将在半年的3月和9月支付到账户上,如果这种情况提前发生,则在账户关闭时支付
4. Term – This account has a fixed 2 year term
5. Maturity and Reinvestment –
a. 至少在学期结束前30天,ballbet贝博网会写信给您,询问您希望ballbet贝博网如何处理您即将到期的2年定期存款账户
b. 如果您在学期结束前未给ballbet贝博网指示(或ballbet贝博网无法合理地遵守您的指示),则在学期的最后一天(或下一个工作日,如果是周六), Sunday or Bank Holiday), ballbet贝博网会将您的存款重新投资到一个新的定期存款中,其期限与您原来的期限最接近(如果类似的定期存款不再可用,那么到期资金将保存在ballbet贝博网的标准存款账户中)
c. If we reinvest your maturing Deposit in a new Term Deposit, then any time up to 14 days from the date of reinvestment, you may close your new Term Deposit without notice and without penalty.
6. Tax Status –
a. Interest is paid gross (without taking off tax).
b. If you earn more interest than the Personal Savings Allowance, you may have to pay additional tax yourself.
c. The Personal Savings Allowance is £1,000 pa for basic rate taxpayers and £500 pa for higher rate taxpayers. Additional rate taxpayers do not receive a Personal Savings Allowance.

3 Year Term Deposit Account Terms and Conditions

The 3 Year Term Deposit account is a fixed term, fixed interest rate account. 这是一种限制性储蓄账户,因为在存款期限结束前不允许支取,资金只能在存款开始时存入
1. Eligibility –
a. To have the account you must be at least 18 years old
b. Available to Birmingham Bank customers
c. Available to personal and business customers
d. Accounts can be opened in sole name or held jointly
e. 在任何情况下,申请人均须填妥申请表格,然后才可连同下列已结清款项开立户口(见2).b)
2. Deposits and Withdrawals –
a. The minimum deposit we can accept is £5,000 per individual or company and the maximum deposit is £75,000 (subject to your overall total placement with Birmingham Bank being no more than £250,000 – to take effect from 31st December 2020 – including accrued interest, at any one time)
b. 一开始,您只能以伯明翰银行为抬头,以您的名义开立支票入账, 通过以你的名义从另一个账户进行电子转账,或者通过伯明翰银行从你持有的另一个账户要求进行内部转账
c. 本定期存款账户在任何情况下均不允许提款或提前关闭,除非客户或双方死亡(如共同死亡)。
d. In the event of death the deposit and interest to the date of early closure will be repaid if required
3. Interest –
a. The interest applicable to this account is fixed and will be advised on our website
b. Interest is calculated daily on the cleared balance in the account
c. 对于任何再投资(见下文5),ballbet贝博网将在利率或账户其他条款发生任何变化时书面通知您
d. If the due interest date is a Saturday, 周日或英国银行假日的利息将计算至并包括上述日期,并在下一个工作日计入.
e. 利息将在半年的3月和9月支付到账户上,如果这种情况提前发生,则在账户关闭时支付
4. Term – This account has a fixed 3 year term
5. Maturity and Reinvestment –
a. 至少在学期结束前30天,ballbet贝博网会写信给您,询问您希望ballbet贝博网如何处理您即将到期的3年定期存款账户
b. 如果您在学期结束前未给ballbet贝博网指示(或ballbet贝博网无法合理地遵守您的指示),则在学期的最后一天(或下一个工作日,如果是周六), Sunday or Bank Holiday), ballbet贝博网会将您的存款重新投资到一个新的定期存款中,其期限与您原来的期限最接近(如果类似的定期存款不再可用,那么到期资金将保存在ballbet贝博网的标准存款账户中)
c. If we reinvest your maturing Deposit in a new Term Deposit, then any time up to 14 days from the date of reinvestment, you may close your new Term Deposit without notice and without penalty.
6. Tax Status –
a. Interest is paid gross (without taking off tax).
b. If you earn more interest than the Personal Savings Allowance, you may have to pay additional tax yourself.
c. The Personal Savings Allowance is £1,000 pa for basic rate taxpayers and £500 pa for higher rate taxpayers. Additional rate taxpayers do not receive a Personal Savings Allowance.

1 Month Notice Deposit Account Terms and Conditions

The One Month notice account is a deposit account denominated in Pounds Sterling where, subject to 1 month or more notice, withdrawals against cleared funds may be made. No early withdrawals are permitted.
1. Eligibility –
a. To have the account you must be at least 18 years old
b. Available to Birmingham Bank customers
c. Available to personal and business customers
d. Accounts can be opened in sole name or held jointly
e. 在任何情况下,申请人均须填妥申请表格,然后才可连同下列已结清款项开立户口(见2).d)
2. Deposits and Withdrawals –
a. The minimum deposit we can accept is £1,000 per individual or company and the maximum deposit is £75,000 (subject to your overall total placement with Birmingham Bank being no more than £250,000 – which takes effect from 31st December 2020 – excluding accrued interest, at any one time)
b. 本通知存款帐户如有提款或提前关闭,须提前一个月书面通知本公司, counted from the day we receive such notice
c. 只有在其中一个或两个(如联名)开户人死亡的情况下,ballbet贝博网才会在收到提前关闭的要求时偿还您的存款和利息
d. 你可以用一张开给伯明翰银行并以你的名字支取的支票把钱存入这个账户, 通过以你的名义从另一个账户进行电子转账,或者通过伯明翰银行从你持有的另一个账户要求进行内部转账
3. Interest –
a. The interest applicable to this account is variable and will be advised on our website
b. Interest is calculated daily on the cleared balance in the account.
c. ballbet贝博网将通知您任何利率或任何其他条款的变化,给您至少14天的书面通知,这可以通过信函, email or in any other way which is sent to the authorised account holder individually.
d. We will update our website within three business days of a rate change taking effect.
e. If the due interest date is a Saturday, 周日或英国银行假日的利息将计算至并包括上述日期,并在下一个工作日计入.
f. 利息将在每年的3月和9月或在账户关闭时支付
4. Term –
a. This account has no fixed term in that it is until further notice, unless one months’ notice in writing has been received by us
5. Tax Status –
a. Interest is paid gross (without taking off tax).
b. If you earn more interest than the Personal Savings Allowance, you may have to pay additional tax yourself.
c. The Personal Savings Allowance is £1,000 pa for basic rate taxpayers and £500 pa for higher rate taxpayers. Additional rate taxpayers do not receive a Personal Savings Allowance

3 Month Notice Deposit Account Terms and Conditions

The 3 months’ notice account is a deposit account denominated in Pounds Sterling where, subject to 90 days or more notice, withdrawals against cleared funds may be made. No early withdrawals are permitted.
1. Eligibility –
a. To have the account you must be at least 18 years old
b. Available to Birmingham Bank customers
c. Available to personal and business customers
d. Accounts can be opened in sole name or held jointly
e. 在任何情况下,申请人均须填妥申请表格,然后才可连同下列已结清款项开立户口(见2).d)
2. Deposits and Withdrawals –
a. The minimum deposit we can accept is £1,000 per individual or company and the maximum deposit is £75,000 (subject to your overall total placement with Birmingham Bank being no more than £250,000 – to take effect from 31st December 2020 – excluding accrued interest, at any one time)
b. Withdrawals or early closure of this notice deposit account are subject to 3 months’ notice in writing to us, counted from the day we receive such notice
c. 只有在其中一个或两个(如联名)开户人死亡的情况下,ballbet贝博网才会在收到提前关闭的要求时偿还您的存款和利息
d. 你可以用一张开给伯明翰银行并以你的名字支取的支票把钱存入这个账户, 通过以你的名义从另一个账户进行电子转账,或者通过伯明翰银行从你持有的另一个账户要求进行内部转账
3. Interest –
a. The interest applicable to this account is variable and will be advised on our website
b. Interest is calculated daily on the cleared balance in the account
c. ballbet贝博网将通知您任何利率或任何其他条款的变化,给您至少14天的书面通知,这可以通过信函, email or in any other way which is sent to the authorised account holder individually
d. We will update our website within three business days of a rate change taking effect
e. If the due interest date is a Saturday, 周日或英国银行假日的利息将计算至并包括上述日期,并在下一个工作日计入
f. 利息将在每年的3月和9月或在账户关闭时支付
4. Term –
a. This account has no fixed term in that it is until further notice, unless 3 months’ notice in writing has been received by us
5. Tax Status –
a. Interest is paid gross (without taking off tax).
b. If you earn more interest than the Personal Savings Allowance, you may have to pay additional tax yourself.
c. The Personal Savings Allowance is £1,000 pa for basic rate taxpayers and £500 pa for higher rate taxpayers. Additional rate taxpayers do not receive a Personal Savings Allowance

185 Day Notice Deposit Account Terms and Conditions

The 185 day notice account is a deposit account denominated in Pounds Sterling where, subject to 185 days or more notice, withdrawals against cleared funds may be made. No early withdrawals are permitted.
1. Eligibility –
a. To have the account you must be at least 18 years old
b. Available to Birmingham Bank customers
c. Available to personal and business customers
d. Accounts can be opened in sole name or held jointly
e. 在任何情况下,申请人均须填妥申请表格,然后才可连同下列已结清款项开立户口(见2).d)
2. Deposits and Withdrawals –
a. The minimum deposit we can accept is £5,000 per individual or company and the maximum deposit is £75,000 (subject to your overall total placement with Birmingham Bank being no more than £250,000 – which comes into effect from 31st December 2020 – excluding accrued interest, at any one time)
b. Withdrawals or early closure of this notice deposit account are subject to 185 days’ notice in writing to us, counted from the day we receive such notice
c. 只有在其中一个或两个(如联名)开户人死亡的情况下,ballbet贝博网才会在收到提前关闭的要求时偿还您的存款和利息
d. 你可以用一张开给伯明翰银行并以你的名字支取的支票把钱存入这个账户, 通过以你的名义从另一个账户进行电子转账,或者通过伯明翰银行从你持有的另一个账户要求进行内部转账
3. Interest –
a. The interest applicable to this account is variable and will be advised on our website
b. Interest is calculated daily on the cleared balance in the account
c. We guarantee that the interest rate will always be at least 0.25% above our best instant access deposit account rate
d. ballbet贝博网将通知您任何利率或任何其他条款的变化,给您至少14天的书面通知,这可以通过信函, email or in any other way which is sent to the authorised account holder individually
e. We will update our website within three business days of a rate change taking effect
f. If the due interest date is a Saturday, 周日或英国银行假日的利息将计算至并包括上述日期,并在下一个工作日计入.
g. 利息将在每年的3月和9月或在账户关闭时支付
4. Term –
a. This account has no fixed term in that it is until further notice, unless 185 days’ notice in writing has been received by us
5. Tax Status –
a. Interest is paid gross (without taking off tax).
b. If you earn more interest than the Personal Savings Allowance, you may have to pay additional tax yourself.
c. The Personal Savings Allowance is £1,000 pa for basic rate taxpayers and £500 pa for higher rate taxpayers. Additional rate taxpayers do not receive a Personal Savings Allowance