Cumberland Plus Current Account

A personal, friendly service when you need it, convenience at your fingertips when you don't
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A FIRST-CLASS PERSONAL & FRIENDLY SERVICE

Everything you’d expect from a bank account, without the bank. Be more than a number with the Cumberland.

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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
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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
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Happiest customers in the UK
Fairer Finance Gold Ribbon
Our Fairer Finance Award
We've topped Fairer Finance's table for bank accounts, and also ranked number one for customer happiness in the UK.
Switch In 7 Days
Our Current Account Switch Service
Current Account Switch Service
Our team based in Carlisle are here to switch your account to us smoothly and quickly, guaranteed.

ONLINE BANKING SERVICES

Making your life that little bit easier

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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
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Mobile Banking App
Available on iPhone and Android phones
Mobile Banking App
Quickly view the balances of your accounts without logging on, view transactions, transfer money between your accounts and make payments to existing payees. Safely and securely
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Pay2Mobile
Send & receive money using a mobile number
Pay2Mobile & Paym
Pay2Mobile 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
USE YOUR CARD FOR FREE...WORLDWIDE
Unlike most banks, we won't charge you to use your Cumberland Visa debit card abroad, or to make transactions in foreign currencies, with a Cumberland Plus Visa debit card

We do not charge you to use your Cumberland card but the provider of an ATM or retailer may apply a charge

Free Card Use Abroad
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Apply online for a Cumberland Plus current account now
Apply Online
Book an appointment online now to discuss your needs
Book An Appointment

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.
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Current 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.

  • 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.
  • The service is free to use and you can choose and agree your switch date with us.
  • 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 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.
  • If there are any issues in making the switch, we will contact you before your switch date.

SAVINGS ACCOUNTS EXCLUSIVE CUMBERLAND PLUS HOLDERS

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

A SIMPLER ALTERNATIVE TO OUR CUMBERLAND PLUS ACCOUNT

Day2Day Account
A simple, convenient and safe way of managing your money
Day2Day Account
Our Day2Day Account only requires £200 per month funding for those aged 24 and over, and there is no minimum funding requirement for those aged 23 and under

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 (NE46-49)
    • North Lancashire (all PR, FY, LA AND BB1-2 and BB5-7)
  • Charges
  • 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.

  • Overdrafts

    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.

    Overdrafts are available upon request, subject to status.

    Overdraft charges

    If you use a Cumberland current account to make payments when:

    • you do not have enough money in your account and have not agreed an authorised overdraft with us; or
    • the payment takes you over the limit of your authorised overdraft; you may have to pay charges as a result.

    The table below gives some examples of our charges for making payments from your account when you haven’t enough money.

    We developed these examples with the relevant regulatory bodies and leading consumer groups to help you to think about how changing the way you use your account can affect the amount we may charge you.

    These examples are meant to show how different actions can result in different charges.

    They are only examples so you shouldn’t see them as actions you might take and charges you might have to pay.*

    We may not allow you to use your account in the ways shown below. You should avoid going overdrawn wherever possible and you should contact us if you need help to manage your account.

    We could add other charges and interest to your account if you try to make payments when you do not have enough money. Click here for details of all the charges and interest rates for these accounts.

    Choose an example below which shows how you might manage your current account. If you have recent bank statements, use these to help you choose. Once you have worked out reasons why you might be charged, it could help you to avoid charges in future.

    Reasons that you might be charged
    1 We refuse a payment from your account because there is not enough money in your account £15
    2 A payment from your account takes you into an unauthorised overdraft by less than £10. You are overdrawn for one day during the month £0
    3 A payment from your account takes you into an unauthorised overdraft and you make another payment from the account while you are overdrawn. You are overdrawn for two days in a row during the month £40
    4 A payment from your account takes you into an unauthorised overdraft, and you make nine more payments from the account while you are overdrawn. You are overdrawn for 10 days in a row during the month £90
    5 A payment from your account takes you into an unauthorised overdraft. You are overdrawn for one day. However, on three more occasions during the month, a payment takes you into an unauthorised overdraft. On each of these occasions you are overdrawn for three days in a row £90
    6 A payment from your account takes you into an unauthorised overdraft. You are overdrawn for 21 days in a row during the month and you make 12 more payments from the account while you are overdrawn £90

    * Example (3) assumes that both payments made result in your balance being more than £15 into an unauthorised overdraft. The total charge may therefore be lower than that shown in the table.

    * Examples (4) and (6) assume that each payment is processed on a different day. A maximum of two charges per day will be made in respect of these items and the total charge may therefore be lower than that shown in the table.All of the above examples only apply to personal current accounts.

  • 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
    Must be main account
    Yes
    Minimum funding requirement
    £750 per month1
    Charge if funding requirement is not met
    £2 per month2
    Current Account Switch Service
    Yes
    Standing Orders & Direct Debits
    Yes
    Contactless Visa debit card
    Yes
    Verified by Visa and One Time Passcode protection
    Yes
    Withdraw cash at Link ATMs across the UK
    £300 per day
    Mini statements from Cumberland ATMs
    Yes
    Withdraw cash at Cumberland branches
    £500 per day
    Foreign currency transaction charge
    Free3
    Cheque book
    Free (on request)
    Statements
    Free
    Use of all Cumberland branches
    Yes
    Internet banking
    Yes
    Mobile banking
    Yes
    Text alerts
    Yes
    Pay2Mobile (Mobile Payments)
    Yes
    Customer Service Helpline
    Yes
    Overdraft facility available
    Yes (on request - subject to status)
    Credit interest paid into your account
    Minimum balance £1
    Variable Gross Interest4/AER50.10%
    Authorised overdraft interest rate
    9.99% p.a. variable EAR6
    Representative example: If you are overdrawn by £700 for 14 days you will pay interest at 9.99% variable. The total charge for this credit would be £2.26

    Credit interest rates correct at 8/11/11.

    1. 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.

    2. 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.

    3. The Cumberland does not charge you to use your Cumberland card but the provider of an ATM or retailer may apply a charge.

    4.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.

    5. Annual Equivalent Rate (AER) illustrates what the interest rate would be if interest was paid and added each year.

    6. EAR – Effective Annual Rate.

  • 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
    Withdraw cash at Link ATMs across the UK
    £300 per day
    Mini statements from Cumberland ATMs
    Yes
    Withdraw cash at Cumberland branches
    £500 per day
    Foreign currency transaction charge
    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 8/11/11.

    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. A fee of 2.5% of the transaction amount will be charged for every foreign currency transaction. 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.
Next
Apply online for a Cumberland Plus current account now
Apply Online
Book an appointment online now to discuss your needs
Book An Appointment

PERSONAL SAVINGS ALLOWANCE

What is your Personal Savings Allowance?
From 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
Personal Savings Allowance
This applies to individuals only, as businesses, charities and clubs, already receive interest without tax

Documents To Download

Account Terms & Conditions
Download
Current Accounts
Download
Savings Accounts & Variable Interest Rates
Download
Card Terms & Conditions
Download
Financial Services Compensation Scheme
Download
FSCS Logo (Small) FSCS Logo (Large)

Your eligible deposits with Cumberland Building Society are protected up to a total of £75,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

Further information is available here or visit www.fscs.org.uk.