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Last updated: April, 2021

About BIRA Bank

British Independent Retailer Association (BIRA) Bank was founded in 1955 in Birmingham. It is the only bank in the UK owned solely by a trade association and specialises solely in providing services for independent retailers. Formerly known as BIRA Finance, the company was renamed BIRA Bank in 2013.

The British Independent Retailers Association has been supporting independent retailers for over 100 years and work with independents across a range of industries. They are currently working with more than 600 businesses.

BIRA Bank Products and Services

BIRA Bank offers financial products and services to members of the British Independent Retailers Association. These products include commercial lending solutions, personal loans and deposit accounts. Available commercial lending products include loans for vehicles, equipment or premises and working capital loans.

BIRA Bank works with service partner HSBC to offer preferential rates to its customers. Benefits and services offered to BIRA members include:

  • Free business banking for 18 months (if a new HSBC customer)
  • Free 24/7 online banking service
  • Preferential business banking rates
  • No account maintenance fee
  • No standard transaction charges
  • Access to the HSBC telephone banking service
  • Significant savings against their small business tariff
  • Free ATM withdrawals (in the UK, some independent ATMs may charge)

BIRA Bank members can also join a members’ card processing service, operated by Global Payments. This gives access to next day crediting of cleared funds.

Security at BIRA Bank

All BIRA Bank deposits up to the value of £85,000 are covered by the Financial Services Compensation Scheme (FSCS).

    Why are you visiting today?

    BIRA Bank operates in line with current banking and data security standards, and policies are constantly revised to remain up to date. A copy of the bank’s data and privacy policy is available online. Contact details for the bank’s Data Compliance Officer are also available.

    BIRA Bank Contact Details

    225 Bristol Road
    B5 7UB

    Telephone: 0121 446 6688

    Email: [email protected]

    BIRA Bank

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