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Your savings account provided by Birmingham Midshires.


If you applied for your AA Savings account on or before 2 September 2015 log in below or call 0345 603 6302.

The deposit taker for AA Savings accounts applied for on or before 2 September 2015 is Birmingham Midshires, a division of Bank of Scotland plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. Registered office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland No. SC327000.


Changes to our accounts

We're making changes to account names and conditions to help us offer a simpler range of savings accounts and make it easier for you to manage your savings. For more information please follow the following link.

The changes will be implemented over the coming months, The changes and when they will happen will vary depending on your account.

Important information

Birmingham Midshires is the deposit taker for AA Savings accounts opened before 2nd September 2015. The General Savings Conditions should be read together with any Account Conditions relating to your specific deposit account.

If there is any conflict between these General Savings Conditions and the Account Conditions then the Account Conditions shall have priority. The General Savings Conditions apply to all AA Savings accounts provided by Birmingham Midshires.

To find out more about Birmingham Midshires policy on 'ring-fencing' click here.

To view the pdf file you'll need Adobe Acrobat.

Bank of England rate change

On 2 November 2017 the Bank of England announced an increase in the Bank of England Bank Rate from 0.25% to 0.50%.

What is the Bank Rate (commonly known as the base rate)?

The base rate is set by the Bank of England, and it affects the interest rates offered by banks, building societies and other financial institutions. The base rate is reviewed monthly, and can be increased or decreased by the Bank of England at any time.

How will the change to the base rate affect my savings account?

The Bank of England Bank Rate is one of a number of factors we take into account when reviewing interest rates. Any change in the base rate will form part of ongoing rate reviews across our savings product range.

How will the interest rate of my account be affected?

If your savings account:

  • Tracks the Bank Rate – your rate will change on 1 December 2017.
  • Has a fixed rate of interest – your account won't be affected by this change.
  • Has a variable rate of interest – your account may be affected.  Please see the attached document to see if the rate on your account has changed.

You can find the historic rates for all accounts we offer on our savings interest rate page, or by logging in to your online banking account.

If you're unsure which type of savings account you hold, please refer to your account conditions.

ISAs (tax free savings)

The maximum amount you can invest in the current tax year 2017/18 is £20,000. You can choose to invest your full allowance into a cash ISA, a stocks and shares ISA or an innovative finance ISA or any combination of the three.

Alternatively you can split your allowance by investing up to £4,000 in a lifetime ISA and the remaining allowance between any combination of the other three types of ISA, as long as you don't exceed £20,000 in total across your ISAs.

Birmingham Midshires administration charges
These charges will be taken from your account balance unless otherwise agreed.
Telegraphic transfer – £35
We can make a same day transfer of money from your account (subject to the account terms and conditions) electronically, directly to another UK bank account that is held in your name. To do this the charge is £35, and we will require your instruction in writing no later than 12 noon Monday to Friday.
Returned cheques – £10
If a cheque you give us requires re-presenting because it is not signed or dated, or is incomplete or illegible, our charge is £10.
Stopped cheques – £5
If you want to stop a cheque because it has been lost, stolen or not received our charge is £5.
Account withdrawal
Under some circumstances, you will incur a charge for making a withdrawal. For example, you will be charged if you withdraw funds immediately on an account with a notice period. The charge will be clearly stated in the terms and conditions of your account. 
Birmingham Midshires interest rates

Historical rates

The accounts shown below are closed accounts and no longer available for customers to open at these rates.

AA Fixed rate ISA accounts

AA Fixed rate savings accounts

AA Variable rate savings accounts

Your savings are protected

Financial Services Compensation Scheme

Your eligible deposits with Bank of Scotland plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Halifax, Intelligent Finance (IF), Birmingham Midshires (BM Savings), Bank of Scotland, Bank of Scotland Private Banking, Bank of Scotland Germany, Lloyds Bank (in The Netherlands only), Bank of Wales and St. James's Place Bank. Some savings accounts under the AA Savings and Saga brand names are also deposits with Bank of Scotland plc. Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please click How FSCS protects your money for further information or visit www.fscs.org.uk
You can also refer to our FSCS Information Sheet (PDF) for more details.

Use of your data

Privacy statement 

For our full privacy statement please following the below link.

Download the full Privacy Statement (PDF)

To view the PDF you'll need Adobe® Reader®.