Birmingham Bank Limited
Reference number: 204478
Instant download
Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
Website, phone number and address
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
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Phone number
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Address
Birmingham Bank Ltd, Lewis Building, 35 Bull Street, Birmingham, B4 6AF, United Kingdom
In the full report: 3 background checks
- When birminghambank.com first appeared online, and whether it can receive email
- What kind of line 0333 004 8048 is
- Who else gives the postcode B4 6AF
Other names (11)
If you were contacted under any of these names, it is this firm.
- FMB Bank Trading name: A name it trades under now.
- HTA Savings and Loans (by Birmingham Bank Ltd) Trading name: A name it trades under now.
- BIRA BANK LIMITED Former name: A name it was registered under before.
- BIRA Finance Limited Former name: A name it was registered under before.
- Hardware Federation Finance Company Limited Former name: A name it was registered under before.
- The Hardware Federation Finance Company Limited Former name: A name it was registered under before.
- bira bank Former trading name: A name it used to trade under.
- Bira Bank Ltd T/A British Agricultural & Garden Machinery Association Bank (BAGMA Bank) Former trading name: A name it used to trade under.
- Bira Bank Ltd T/A National Federation of Retail Newsagents Bank (NFRN Bank) Former trading name: A name it used to trade under.
- bira finance Former trading name: A name it used to trade under.
- HTA Savings and Loans from bira bank limited Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Hold or safeguard your money FSCS may applyEligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
- Manage or trade investments FSCS may applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (5 permissions)
- Accepting Deposits
- Dealing in investments as principal
- Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- Making arrangements with a view to regulated mortgage contracts
FCA disciplinary action and complaints
No FCA disciplinary action.
The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 00555071 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 24 September 1955 (71 years old)
- Registered office
- Riverbank House, 2 Swan Lane, London, EC4R 3TT, England
- Nature of business
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- Banks (SIC 64191)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Susan Potter-Price | Director | Nov 1960 | 16 Nov 2017 | 8 other companies |
| Katrina Irene Matilda Arnold | Director | Nov 1958 | 8 Mar 2018 | 6 other companies |
| Andrew Julian Holmes | Director | Sep 1965 | 8 Jan 2021 | 7 other companies |
| Nicholas Fisher | Director | Dec 1970 | 25 May 2023 | None |
| Peter Frost | Director | Oct 1965 | 20 Sep 2023 | None |
| Chris Weller | Director | Apr 1983 | 8 Dec 2023 | None |
| Alan Watkin Jarman | Director | May 1968 | 11 Apr 2025 | 2 other companies |
| Nicholas John Calamari | Director | Dec 1978 | 19 Dec 2025 | None |
| Matthew Underhill | Secretary | Not published | 1 Apr 2026 | – |
Other companies run by these 8 directors
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other companies
- 22
- closed down
- 8
- are FCA-registered
- 3
In the full report: all 22 companies, named
- What each company does, and whether it is still trading
- Which of these 8 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 3 on the FCA register
- The 1 company these 8 directors run together
- All 49 people who have ever been directors, with their dates
Filed accounts and finances
Turnover
£757k
No earlier figure to compare
Profit before tax
−£4.19m
No earlier figure to compare
Net assets
£6.21m
No earlier figure to compare
Cash at bank
£1.90m
No earlier figure to compare
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
Accounts filed at Companies House for company 00555071. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
Birmingham Bank’s history from the FCA register and Companies House, newest first.
2025
22 December 2025
- Better Home And Finance Holding Company took control (75–100% of shares)
Companies House
2023
1 April 2023
- Lee Oscar Bushell gave up control
Companies House
2021
27 January 2021
- Changed its registered name from "BIRA BANK LIMITED"
FCA register
8 January 2021
- Bira Trading Limited gave up control
- Lee Oscar Bushell took control (75–100% of shares)
Companies House
2020
16 November 2020
- Bira Trading Limited took control (75–100% of shares)
Companies House
2013
1 April 2013
- Regulated by the FCA from this date
- Regulated by the Prudential Regulation Authority from this date
FCA register
2 January 2013
- Changed its registered name from "BIRA Finance Limited"
FCA register
2011
20 May 2011
- Changed its registered name from "The Hardware Federation Finance Company Limited"
FCA register
2004
7 July 2004
- Changed its registered name from "Hardware Federation Finance Company Limited"
FCA register
2001
1 December 2001
- Regulated by the Financial Services Authority from this date
- Became authorised by the FCA
FCA register
1998
1 June 1998
- Regulated by the Financial Services Authority from this date
FCA register
1955
24 September 1955
- Incorporated at Companies House
Companies House
In the full report: all 117 events
- All 117 events in its history (15 shown here)
- Every director appointment and resignation: 86
Firms connected to Birmingham Bank
Other FCA-listed firms that share a director, phone number or address with Birmingham Bank. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 2
- share its postcode
- 2
In the full report: all 4 connected firms, named
- How each is linked: shared directors (2), the same postcode (2)
- Who links each one: the named directors, with dates
- 1 past link through former directors
Firms like Birmingham Bank
Other firms of the same type (bank or building society), nearest first.
In Birmingham
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on Birmingham Bank
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 22 other companies its directors have run, named
- 3 background checks on its contact details
- All 117 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk