All Cumberland current accounts offer...

• Personal, friendly service
• Use of 33 local branches, 6 days a week
• Standing orders
• Direct Debits
• Free debit card and ATM use worldwide⁶
• Customer service helpline

...but there are some differences:

You can apply for a current account online or by contacting us to arrange an appointment to see one of our dedicated advisors.

We welcome new applications from new and existing customers who live within our branch operating area, however, we do not accept new accounts from new customers who live outside our branch operating area. Some restrictions may also apply to new accounts available to existing customers who live outside our branch operating area. Contact us for more information.

For information and guidance on banking from the Financial Services Authority, please see their Moneymadeclear Facts about your bank account leaflet.

You should read the information in this section with the leaflets available to view and download on the left of each page, alternatively contact us and we will arrange for you to receive printed versions.

Minimum age for our current acounts is 16. Minimum current account balance £1

1. Minimum age 18 and subject to status and limited to one account per customer
2. Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law
3. Annual Equivalent Rate (AER) illustrates what the interest rate would be if interest was paid and added each year
4. Net interest is the rate of interest which would be payable after allowing for the deduction of income tax at 20%, i.e. the rate specified by law (net interest rates have been rounded and are for illustrative purposes only)
5. EAR - Effective Annual Rate.
6. So you can withdraw cash at ATMs and pay for goods in shops where you see the Visa sign anywhere in the world and we won't charge you or pass on any fees levied by Visa. The Cumberland does not charge you to use your Cumberland card but the provider of an ATM or retailer may apply a charge.
7. If your main source of income is paid via Bacs this must be paid directly into your current account and must be at least £200 per month. If your main source of income is not paid this way you must credit your account with your main source of income, cash or cheque, to the value of £500 per month. This applies to all applicants in the case of joint accounts.
8. Account must be funded with at least £200 per month, by either Bacs, standing order, cash or cheque. Failure to meet this requirement will result in your account being closed. This requirement does not apply for customers under the age of 16.
9. Applications from 13-15 year olds must be approved by a parent/guardian.
10. Subject to a limit of £2,500. You will not be charged any interest if you use an authorised overdraft within the fi rst 120 days of the account being opened.
11. If your main source of income is paid into this account via Bacs, there is no minimum amount required. If you credit this account by any other means, such as cash or cheque, it must be to the value of at least £750 per month. In the case of joint accounts, one such source of income is acceptable.

More info

• Guide
• Variable rates
• Conditions
• Card conditions
• Rates & Charges