Cumberland Plus Current Account

An everyday current account with no monthly fee and a range of ways to bank including mobile, online or in branch.
Apply for a current account online now. It only takes 5-10 minutes
Apply now

A FIRST-CLASS PERSONAL & FRIENDLY SERVICE

Local Branches
34 branches in our operating area
Find A Branch
When you're out and about, a friendly local branch team are nearby to help you 6 days a week
Local Customer Service Team
Here for you 7 days a week
About The Team
Our friendly team based in Carlisle are here to take your call and reply to your messages
Happiest customers in the UK
Fairer Finance Gold Ribbon
Our Fairer Finance Award
We've a Fairer Finance Gold Ribbon for our bank accounts, and also ranked number one for customer happiness in the UK.
Switch In 7 Days
Our Current Account Switch Service
Account Switch Service
Our team based in Carlisle are here to switch your account to us smoothly and quickly, guaranteed.
Book an Appointment
Open your new current account in one of our local branches
Book an Appointment
Our friendly, expert team are available 6 days a week.
Is your bank closing your local branch? Find out more
Here's all you need to know in a handy five minute guide and more information about switching to The Cumberland

Current Account Reviews

Digital Banking services

Manage your current account online and with our mobile app

Mobile Banking App
Available on iPhone and Android phones
Mobile Banking App
Download our mobile banking app and manage your accounts quickly and easily, wherever you are.
Google Pay
Pay in shops and apps
Google Pay
You already use your phone for just about everything. Now you can pay with it using Google Pay in shops and apps too
Apple Pay
An easier way to pay
Apple Pay
Apple Pay is simple to use in shops, apps and on the web. Pay with your Cumberland debit card with just a touch
Internet Banking
On computer, tablet and smartphone
Internet Banking
View your balances and transactions, view statements, transfer money between your accounts, make payments, manage your balance text alerts. Safely and securely.

Exclusive Savings accounts for Cumberland Plus customers

Regular Saver Account
Save monthly for an enhanced interest rate
Regular Saver Account
For longer term savers, allows you to save up to £3,000 a year to receive an enhanced interest rate
eSavings Account
Save online for an enhanced rate and easy access
eSavings Account
The account offers instant access via internet and mobile banking and pays a higher rate of interest than our Instant Savings account
Free card use abroad
Unlike many banks, we won't charge you to use your Visa debit card abroad, or to make transactions in foreign currencies, including using Apple and Google Pay.

We don't charge you to use your card but the provider of an ATM, retailer or your mobile service provider may

Find out more

PROTECTING YOU AND YOUR MONEY

How we can work together to make your money safe and secure

How To Protect Yourself
Keeping yourself and your money safe
Fraud Protection Tips
We do a lot to help protect you from fraud. Take 5 minutes to read our top tips on what you can do to protect yourself even better from fraud.
How We Protect You
Keeping you and your money safe
How We Protect You
We do a lot to help protect you from fraud; find out more about our services which help keep your money safe and secure.

CASS.pngCurrent Account Switch Guarantee

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days.

As your new current-account provider we offer the following guarantee:

  • The service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If your new bank or building society agrees, bank accounts that include an overdraft can switch using the Current Account Switch Service. And if you’d like to have an overdraft with your new bank account, speak to your new bank or building society before starting your switch. Your new bank or building society will be able to advise if you’re eligible for an overdraft, dependent on their lending criteria and your credit status.
  • Crystal_Mark_Small.pngIf anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

Fee Information (Charges)

Fee Information Documents
The Fee Information Documents provide details of the fees for using the main services linked to our individual current accounts (known as payment accounts).
View documents

More Information

  • Account funding

    You must pay in at least £750 per month from an external source. Cash, cheques and transfers from other personal Cumberland accounts do not count towards the minimum funding requirement. Transfers from Cumberland Business accounts do count towards the minimum funding requirement and, in the case of joint accounts, one such source of income is acceptable.

    If you do not meet the minimum funding requirement in a calendar month, a charge of £2 will be applied to the account in the following month. The charge will be applied for every calendar month that the minimum funding requirement is not met. The charge will not be applied if the average balance of your account during a calendar month is £1,000 or above and your account has remained in credit.

  • Who can apply

    We welcome new applications from new and existing customers who live within our branch operating area

    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

    Our operating area is:

    • Cumbria (all CA and LA postcodes)
    • South-West Scotland (all DG postcodes and TD9)
    • West Northumberland (NE45-49)
    • North Lancashire (all PR, FY, LA AND BB1-2 and BB5-7)
  • Withdrawal limits

    You can withdraw up to £300 cash per day at Link ATMs across the UK. If you come into branch you can withdraw up to £500 cash per day.

  • Opening an account in branch

    You need to arrange an appointment at your local branch (Monday to Saturday):

    Unless you have an account with us already, we will need you to provide proof of your identity and evidence of your address. Please bring one original document of each. Acceptable documents include:

    Proof of identity
    • Current valid signed passport
    • Current UK photocard driving licence
    • Firearms certificate or shotgun licence
    • A blue disabled drivers pass
    • An EU photocard driving licence
    Evidence of your address
    • Recent utility bill dated within the last six months (mobile phone bills cannot be accepted though)
    • A council tax bill valid for the current year
    • Bank, building society or credit union statement dated within the last six months

    If you open an account as a trustee, we will need proof of identity and evidence of address for both you and the account holder. If you do not have any of the above, please contact us before you visit.

  • Full account details
    Minimum age
    18 You must be 18 years old or older to apply for this account
    Must be main account
    Yes You must confirm that this is going to be the primary account through which you conduct your personal banking
    Minimum funding requirement
    £750 per month You must fund your account with at least £750 per month from an external source. Cash, cheques and transfers from other personal Cumberland accounts will not count towards the minimum funding requirement. Transfers from Cumberland Business accounts will count towards the minimum funding requirement. In the case of joint accounts, one such source of income is acceptable.
    Charge if funding requirement is not met
    £2 per month If you do not meet the minimum funding requirement in a calendar month, a charge of £2 will be applied to the account in the following month. The charge will be applied for every calendar month that the minimum funding requirement is not met. The charge will not be applied if the average balance of your account during a calendar month is £1,000 or above and your account has remained in credit.
    Current Account Switch Service
    Yes You can switch your account to us in 7 Days by our team based in Carlisle, guaranteed.
    Standing Orders & Direct Debits
    Yes A standing order is a way we can make regular transfers, on your instruction, of a fixed amount of money from your account to another account. You can set a payment to be taken at a certain frequency (for example, the 1st of each month) for a set amount of time, such as six months. Your payments will consist of money set at an amount chosen by you. A Direct Debit is where you permit someone else (recipient) to instruct us to transfer money from your account to that recipient. We then transfer money to the recipient on a date or dates agreed by you and the recipient. The amount may vary. If the organisation you are paying wants to change an amount or date of collection, they have to tell you about it first.
    Contactless Visa debit card
    Yes Payments are simple, quick and secure with a Visa debit card. You can use your card anywhere you see the Visa sign. You can use your debit card to make a payment in pounds. This can be in a shop, online or over the phone. Chip and PIN has no limit as long as you have sufficient funds in your account. The limit for contactless is £30 with a physical debit card.
    Verified by Visa and One Time Passcode protection
    Yes Verified by Visa (VbV) is a free service provided by Visa and Cumberland Building Society which provides password protection and helps prevent another person using your Visa debit card online at participating VbV online retailers.
    Cash Withdrawal in pounds in the UK at Link cash machines
    £300 per day You can take cash out of your account in pounds at a Link and Visa cash machine, bank or Post Office in the UK.
    Mini statements from Cumberland ATMs
    Yes You can print mini-statements at any Cumberland ATM.
    Cash withdrawal at Cumberland branches
    £500 per day You can take cash out of your account in pounds at any Cumberland cash machine.
    Cash withdrawal and debit card payment in foreign currency outside the UK
    Free3 Unlike most banks, we won't charge you for making Cumberland Visa debit card payments in a foreign currency, or for cash withdrawal in foreign currency outside the UK (with most Cumberland current accounts). The provider of an cash machine or retailer may apply a charge.
    Cheque book
    Free (on request) You can request a cheque book
    Statements
    Free You will receive monthly statements for your account
    Use of all Cumberland branches
    Yes All 34 Cumberland branches are open 6 days-a-week
    Internet banking
    Yes Our full range of internet banking services are available on computers, tablets and smartphones.
    Mobile banking App
    Yes Available for iPhone and Android phones
    Text alerts
    Yes You can choose to receive alerts to your mobile phone by text message when your balance falls below a value of your choice. Also, for security, when your Internet Banking Access Code has been changed and access suspended.
    Pay2Mobile (Mobile Payments)
    Yes Send & receive money using a mobile number with Pay2Mobile. It is part of Paym, which connects over 40m current accounts and mobile numbers in the UK. For when cash isn’t to hand and sharing account details is a hassle.
    Customer Service Helpline
    Yes Here for you 7 days a week, our friendly team based in Carlisle are here to take your call and reply to your messages
    Overdraft facility available
    Yes (on request - subject to status) An overdraft can be useful for short term borrowing, for example to cover your expenses until pay day. The advantage of an overdraft is it is flexible and you can dip into it at any point over the agreement period.
    Credit interest paid into your account
    Minimum balance £1
    Variable Gross Interest4/AER50.10%
    The interest rate you will receive on your account balance. Gross interest is the contractual rate of interest payable (without deduction of tax) and you will be responsible for paying any tax you owe on interest as per your individual personal savings allowance. Annual Equivalent Rate (AER) illustrates what the interest rate would be if interest was paid and added each year.
    Arranged overdraft interest rate
    14.99% EAR* (variable) 3.553% per quarter. EAR6 Representative Example: If you use an arranged overdraft of £250 the interest we will charge you is 14.99% EAR (variable).

    Credit interest rates correct at 01/02/2018.

  • Day2Day Account

    The Day2Day account offers a simple, convenient and safe way of managing your money. It only requires £200 per month funding for those aged 24 and over, and there is no minimum funding requirement for those aged 23 and under2.

    You can apply for a Day2Day Account in your local branch. Book an appointment here now or find your local branch.

    Full account details
    Minimum age
    131
    Must be main account
    Yes
    Minimum funding requirement
    £200 per month for those aged 24 and over. No minimum funding requirement for those aged 23 or under 2
    Charge if funding requirement is not met
    £2 per month3
    Current Account Switch Service
    Yes
    Standing Orders & Direct Debits
    Yes
    Contactless Visa debit card
    Yes
    Verified by Visa and One Time Passcode protection
    Yes
    Cash withdrawal at Link cash machines in the UK
    £300 per day
    Mini statements from Cumberland ATMs
    Yes
    Cash withdrawal at Cumberland branches
    £500 per day
    Charges for debit card payment in a foreign currency
    2.5% of transaction4
    Charges for cash withdrawal in foreign currency outside the UK
    2.5% of transaction4
    Cheque book
    Available on request to over 18s5(£5 charge per cheque book)
    Statements
    Free6
    Use of all Cumberland branches
    Yes
    Internet banking
    Yes7
    Mobile banking
    Yes
    Text alerts
    Yes
    Pay2Mobile (Mobile Payments)
    Yes
    Customer Service Helpline
    Yes
    Overdraft facility available
    No
    Credit interest paid into your account
    Minimum balance £1
    Variable Gross Interest8/AER90.00%

    Credit interest rates correct at 01/02/18.

    1. Applications from 13-15 year olds must be approved by a parent/guardian.
    2. You must fund your account with at least £200 per month from an external source. Transfers from other personal Cumberland accounts (except current accounts which require funding of £750 or more per month) will not count towards the minimum funding requirement. Transfers from Cumberland Business accounts will count towards the minimum funding requirement. This requirement does not apply to customers under 24 years of age. In the case of joint accounts, one such source of income is acceptable.
    3. If you do not meet the minimum funding requirement in a calendar month, a charge of £2 will be applied to the account in the following month. The charge will be applied for every calendar month that the minimum funding requirement is not met. The charge will not be applied if the average balance of your account during a calendar month is £1,000 or above and your account has remained in credit. Further details of this charge can be found in the ‘Account Funding’ section of our Current Accounts leaflet.
    4. The provider of an ATM or retailer may also apply a charge.
    5. In the case of joint accounts, all account holders must be over 18 for a cheque book to be issued. The £5 charge for a cheque book will not apply if the account holder also holds a current account which requires funding of £750 or more per month.
    6. Free eStatements provided if the account is registered for Internet Banking. If the account is not registered for Internet Banking, monthly paper statements are available at a charge of £2 per statement.
    7. Internet Banking is a requirement for all new accounts where all applicants are under 24.
    8. Gross interest is the contractual rate of interest payable (without deduction of tax) and you will be responsible for paying any tax you owe on interest as per your individual personal savings allowance.
    9. Annual Equivalent Rate (AER) illustrates what the interest rate would be if interest was paid and added each year.
  • Personal Savings Allowance

    On 6 April 2016, the Government introduced a Personal Savings Allowance, which is the amount of interest you can earn on your savings without paying tax. This applies to individuals only, as businesses, charities and clubs, already receive interest without tax.

    The tax-free allowance on savings is £1,000 for basic rate taxpayers and £500 for higher rate taxpayers. There is no allowance for additional rate taxpayers.

    As a result, tax is no longer deducted from the interest paid on your savings accounts, investments and current accounts.

    Click here to read more about the Personal Savings Allowance.

Changes to Terms and Conditions

Changes to Cumberland Card Terms and Conditions Summary
We are updating the above terms and conditions with effect from early 2019.
Changes to our Savings & Current Account and Cumberland Card Terms and Conditions Summary
We are updating the above terms and conditions with effect from 31 October 2018.

Documents To Download

FSCS Logo (Small) FSCS Logo (Large)

Your eligible deposits with Cumberland Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

Please click here for further information or visit www.fscs.org.uk.