Notice Account

Birmingham Bank Notice Account Review

A top-paying notice account from Birmingham Bank, needing 95 days' notice, with a £5,000 minimum deposit. None of the other 91 notice accounts we track pays more.

Variable rate · 95 days' notice

4.40%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

£250,000

Access

Penalty-free withdrawals subject to notice period

Interest paid

On maturity

How It Stacks Up

Ranks 1st of 92

Notice accounts we track

Top rate
This account 4.40%
UK CPI (Aug 2026)
3.10%
Pays 1.30% more
Average notice account
3.49%
Pays 0.91% more
Best notice account
4.40%
About the same

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare notice accounts

Worth Weighing Up

  • Con: You need to give 95 days' notice to withdraw
  • Con: The rate is variable, so it can go down
  • Con: You need at least £5,000 to open it

Good to Know

The minimum operating balance is £5,000. If a withdrawal would leave less than £5,000 in the account, you must withdraw the full balance and the account will close at the end of the notice period.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Birmingham Bank's Notice Account

What you could earn with Birmingham Bank's Notice Account.

Estimated interest

£5,000 saved

£220

At 4.4% AER

£10,000 saved

£440

At 4.4% AER

£50,000 saved

£2,200

At 4.4% AER

£250,000 saved

£11,000

At 4.4% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Birmingham Bank Notice Account

Jonny PeaseCo-Founder, DepositScout

Birmingham Bank's 95-day notice account is currently the market leader in the notice account category at 4.40%, sitting 1.30% above CPI inflation of 3.1% as of Aug 2026, which is a genuinely useful real return. It suits savers who want a better rate than easy access but can plan their withdrawals 95 days ahead, and who can meet the £5,000 minimum. The main catch is that notice period: if you need money quickly, you cannot access it without waiting, so it works best as a home for funds you are unlikely to need urgently.

Compare Notice Accounts

2 alternatives to Birmingham Bank's Notice Account

Same type of account, closest on rate.

Common questions about the Notice Account

D

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