Established in 1849 by 20 local citizens, West Bromwich Building Society remains owned by its members. It is now the 7th largest building society in the UK.
It offers savings, mortgages and home insurance.
Its home insurance policies are provided and underwritten by RSA.
Our product ratings for West Bromwich Building Society
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Home emergency cover
1 product reviewed
Boiler Breakdown Cover
1 product reviewed
West Bromwich Building Society
Home Emergency Assistance
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£4.43
|
| No claims period (Boiler) |
3.00
|
| Boiler repair cover limit |
£1,000.00
|
| No claims period |
3.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£0.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
£4.43
|
| Underwriter |
Financial & Legal Insurance Company Limited
|
| Unoccupied period |
30
|
| Individual call out cover limit for boiler repairs |
£1,000.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£0.00
|
| Boiler age exclusions |
15.00
|
| No claims period for boiler replacement |
0.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£0.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£0.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£0.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£3.00
|
| Primary flue | Yes |
| Boiler controls |
Not Mentioned
|
| Alternative accommodation cover |
£250.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service | No |
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-25
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Home insurance (building and contents)
8 products reviewed
Buildings insurance
4 products reviewed
- Premier Home Insurance
- Premier Home Insurance (with optional cycle cover)
- Standard Home Insurance
- Standard Home Insurance (with optional cycle cover)
West Bromwich Building Society
Premier Home Insurance
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£350.00
|
| Matching sets (Buildings) | Yes |
| Frozen pipes | Yes |
| Trace and access |
£10,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
West Bromwich Building Society
Premier Home Insurance (with optional cycle cover)
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£350.00
|
| Matching sets (Buildings) | Yes |
| Frozen pipes | Yes |
| Trace and access |
£10,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
West Bromwich Building Society
Standard Home Insurance
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£350.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Optional
|
West Bromwich Building Society
Standard Home Insurance (with optional cycle cover)
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£350.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Optional
|
Contents insurance
4 products reviewed
- Premier Home Insurance (with optional cycle cover)
- Premier Home Insurance
- Standard Home Insurance
- Standard Home Insurance (with optional cycle cover)
West Bromwich Building Society
Premier Home Insurance (with optional cycle cover)
| Feature | Value |
|---|---|
| Matching sets (contents) | Yes |
| Theft from outbuildings |
£7,500.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£1,000.00
|
| Property owner liability |
£5,000,000.00
|
| Escape of water excess (minimum) |
£350.00
|
West Bromwich Building Society
Premier Home Insurance
| Feature | Value |
|---|---|
| Matching sets (contents) | Yes |
| Theft from outbuildings |
£7,500.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£1,000.00
|
| Property owner liability |
£5,000,000.00
|
| Escape of water excess (minimum) |
£350.00
|
West Bromwich Building Society
Standard Home Insurance
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£5,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£1,000.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£350.00
|
West Bromwich Building Society
Standard Home Insurance (with optional cycle cover)
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£5,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£1,000.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£350.00
|
Savings Accounts
18 products reviewed
Easy Access Accounts
6 products reviewed
- West Brom Saver
- Albion Advantage Account
- Amber Blue Saver Account
- Community Account
- Saddlers Super Saver Account
- Red Balloon Appeal Account
West Bromwich Building Society
West Brom Saver
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.5%
|
| Balance Tiers |
1.5% from £1
|
| Minimum Opening Balance |
£1.00
|
| Withdrawal Penalty |
If less than 7 withdrawals are made per year (1st April - 31st March) a higher rate will be paid
|
| Part of FSCS | Yes |
| Bonus Rate |
N/A
|
West Bromwich Building Society
Albion Advantage Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Minimum Opening Balance |
£100.00
|
| Withdrawal Penalty |
N/A
|
| Part of FSCS | Yes |
| Bonus Rate |
N/A
|
West Bromwich Building Society
Amber Blue Saver Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Minimum Opening Balance |
£100.00
|
| Withdrawal Penalty |
N/A
|
| Part of FSCS | Yes |
| Bonus Rate |
N/A
|
West Bromwich Building Society
Community Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Minimum Opening Balance |
£100.00
|
| Withdrawal Penalty |
N/A
|
| Part of FSCS | Yes |
| Bonus Rate |
N/A
|
West Bromwich Building Society
Saddlers Super Saver Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Minimum Opening Balance |
£100.00
|
| Withdrawal Penalty |
N/A
|
| Part of FSCS | Yes |
| Bonus Rate |
N/A
|
West Bromwich Building Society
Red Balloon Appeal Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Minimum Opening Balance |
£100.00
|
| Withdrawal Penalty |
N/A
|
| Part of FSCS | Yes |
| Bonus Rate |
N/A
|
Easy Access Accounts (Less than £3000)
6 products reviewed
- West Brom Saver
- Red Balloon Appeal Account
- Amber Blue Saver Account
- Community Account
- Albion Advantage Account
- Saddlers Super Saver Account
West Bromwich Building Society
West Brom Saver
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.5%
|
| Balance Tiers |
1.5% from £1
|
| Part of FSCS |
TRUE
|
| Minimum Opening Balance |
£1.00
|
| Additional Opening Criteria |
N/A
|
| Average Interest Rate (AER) |
2.63%
|
| Bonus Rate |
N/A
|
| Average Interest Rate (AER) 12-months |
2.7%
|
West Bromwich Building Society
Red Balloon Appeal Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Part of FSCS |
TRUE
|
| Minimum Opening Balance |
£100.00
|
| Additional Opening Criteria |
N/A
|
| Average Interest Rate (AER) |
2.39%
|
| Bonus Rate |
N/A
|
| Average Interest Rate (AER) 12-months |
2.06%
|
West Bromwich Building Society
Amber Blue Saver Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Part of FSCS |
TRUE
|
| Minimum Opening Balance |
£100.00
|
| Additional Opening Criteria |
N/A
|
| Average Interest Rate (AER) |
2.38%
|
| Bonus Rate |
N/A
|
| Average Interest Rate (AER) 12-months |
2.06%
|
West Bromwich Building Society
Community Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Part of FSCS |
TRUE
|
| Minimum Opening Balance |
£100.00
|
| Additional Opening Criteria |
N/A
|
| Average Interest Rate (AER) |
2.38%
|
| Bonus Rate |
N/A
|
| Average Interest Rate (AER) 12-months |
2.06%
|
West Bromwich Building Society
Albion Advantage Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Part of FSCS |
TRUE
|
| Minimum Opening Balance |
£100.00
|
| Additional Opening Criteria |
N/A
|
| Average Interest Rate (AER) |
2.37%
|
| Bonus Rate |
N/A
|
| Average Interest Rate (AER) 12-months |
2.06%
|
West Bromwich Building Society
Saddlers Super Saver Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Part of FSCS |
TRUE
|
| Minimum Opening Balance |
£100.00
|
| Additional Opening Criteria |
N/A
|
| Average Interest Rate (AER) |
2.38%
|
| Bonus Rate |
N/A
|
| Average Interest Rate (AER) 12-months |
2.06%
|
Easy Access Accounts (£3000 or more)
6 products reviewed
- West Brom Saver
- Amber Blue Saver Account
- Community Account
- Red Balloon Appeal Account
- Albion Advantage Account
- Saddlers Super Saver Account
West Bromwich Building Society
West Brom Saver
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.5%
|
| Balance Tiers |
1.5% from £1
|
| Part of FSCS |
TRUE
|
| Minimum Opening Balance |
£1.00
|
| Additional Opening Criteria |
N/A
|
| Average Interest Rate (AER) |
2.63%
|
| Bonus Rate |
N/A
|
| Average Interest Rate (AER) 12-months |
2.7%
|
West Bromwich Building Society
Amber Blue Saver Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Part of FSCS |
TRUE
|
| Minimum Opening Balance |
£100.00
|
| Additional Opening Criteria |
N/A
|
| Average Interest Rate (AER) |
2.38%
|
| Bonus Rate |
N/A
|
| Average Interest Rate (AER) 12-months |
2.06%
|
West Bromwich Building Society
Community Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Part of FSCS |
TRUE
|
| Minimum Opening Balance |
£100.00
|
| Additional Opening Criteria |
N/A
|
| Average Interest Rate (AER) |
2.38%
|
| Bonus Rate |
N/A
|
| Average Interest Rate (AER) 12-months |
2.06%
|
West Bromwich Building Society
Red Balloon Appeal Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Part of FSCS |
TRUE
|
| Minimum Opening Balance |
£100.00
|
| Additional Opening Criteria |
N/A
|
| Average Interest Rate (AER) |
2.39%
|
| Bonus Rate |
N/A
|
| Average Interest Rate (AER) 12-months |
2.06%
|
West Bromwich Building Society
Albion Advantage Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Part of FSCS |
TRUE
|
| Minimum Opening Balance |
£100.00
|
| Additional Opening Criteria |
N/A
|
| Average Interest Rate (AER) |
2.37%
|
| Bonus Rate |
N/A
|
| Average Interest Rate (AER) 12-months |
2.06%
|
West Bromwich Building Society
Saddlers Super Saver Account
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.25%
|
| Balance Tiers |
1.25% from £100
|
| Part of FSCS |
TRUE
|
| Minimum Opening Balance |
£100.00
|
| Additional Opening Criteria |
N/A
|
| Average Interest Rate (AER) |
2.38%
|
| Bonus Rate |
N/A
|
| Average Interest Rate (AER) 12-months |
2.06%
|
Savings Accounts (ISAs)
2 products reviewed
Easy Access ISAs
2 products reviewed
West Bromwich Building Society
Limited Access ISA (Issue 1)
| Feature | Value |
|---|---|
| Interest Rate (AER) |
2%
|
| Minimum Opening Balance |
£1.00
|
| Part of FSCS | Yes |
| Withdrawal Penalty |
Lower rate paid if more than 6 withdrawals per annum.
|
West Bromwich Building Society
West Brom Saver ISA
| Feature | Value |
|---|---|
| Interest Rate (AER) |
1.5%
|
| Minimum Opening Balance |
£1.00
|
| Part of FSCS | Yes |
| Withdrawal Penalty |
N/A
|