There are two accounts to choose from - the Direct Internet Savings Account, which you can apply for online and the Direct Telephone Savings Account, which you can open via the telephone. Each one offers a great rate of 5.75% Gross/AER, guaranteed to beat the ING Direct Savings Account underlying variable rate by at least 0.25% until 01.01.10.

• Invest from as little as £1 to £2 million.
• Access your account 24/7.
• Make unlimited transactions with no loss of interest.
• View full and mini statements.
• Secure password protection.
• Rate is guaranteed to stay at least 0.25% above ING Direct Savings Account underlying rate until 01.01.10.
• Interest is calculated daily and credited to the account annually on the anniversary date of the first deposit.

Things you need to know:

• Account is unavailable to joint account holders.
• You must link your account to another Bank or Building Society account (which must accept Direct Debits) and be in your name, to transfer money effortlessly to and from your account.
• If the rate on your Direct Internet Account is less than 0.25% higher than the rate paid on the standard ING Direct Savings account we will change our interest rate within 7 days of any change in the rate paid on the standard ING Direct savings account.

Apply for a: Birmingham Midshires Direct Savings Account