Customer Information: Following the decision by the Bank of England to increase its base rate by 0.25% we will be making changes to our mortgage and savings interest rates, please click here for more information.

Our Current Accounts

Benefit from our 5* service at every touch point, from when you contact us to when you're setting up your accounts and beyond.
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Interested in reducing your carbon footprint?

The free Cogo app enables you to view and reduce the carbon footprint of your spending.
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Speak to a real person, not a robot

Kinder banking, it’s in our nature.
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Choose our current account and you’ll benefit from our 5* service at every touch point, from when you contact us to when you’re setting up your account and beyond. In fact setting up an account with us is as easy as 1, 2, 3 – you can check out the process below.

Every current account comes with access to our handy internet banking app, contactless Visa debit card, plus help and support from our friendly contact team – whether you have a query about your account, mortgage or even a financial issue that needs addressing. It’s always hassle-free with us.

Explore your options

Find out more about our current accounts and which option is right for you.


Apply for your account

Once you have chosen the current account for you, there are three ways you can open your account.


We sort the details

One of our friendly advisors will set up your account. If you are switching your account to the Cumberland the Current Account Switch Service means we will take care of everything for you, including notifying your old bank and setting up payments.

Cumberland Plus Current Account
A competitive, comprehensive current account which includes the option of an overdraft but requires £750 per month minimum funding.
Freedom Apprentice Current Account
An account specifically designed for young people on apprentice schemes. A great first bank account with no minimum funding requirement.
Day2Day Account
An easy-to-use, everyday bank account with no overdraft and no specific amount of funding required for younger people.
Current Account Switch Guarantee
Switch from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days.
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).
Get started with Cogo
Interested in tracking and reducing your carbon footprint? You can with Cogo.

Why The Cumberland?

Local Branches
When you're out and about, a friendly local branch team are nearby to help you
Customer Care team
Our friendly team based in Carlisle are here to take your call and reply to your messages
Happiest customers
We've a Fairer Finance Gold Ribbon for our bank accounts, and also ranked number one for customer happiness in the UK
FSCS Logo (Small) FSCS Logo (Large)

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

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