Use your debit card for free... worldwide
Free card use abroad
Unlike many banks, we won't charge you for cash withdrawals or debit card payments in a foreign currency outside the UK, including using Apple and Google Pay. However, please note that an ATM or retailer may apply a charge.
This fee also applies if you use your card to buy goods or services in a currency other than sterling on the internet or over the phone. In addition, the retailer or cash machine provider may apply a charge, regardless of your account type. We do not control this.
Using your card abroad
To use your Visa debit card abroad you must tell us your travel dates and destination(s).
Conversion rates
FAQS
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How do I register my travel details with The Cumberland?
You can inform us of the destination(s) and dates of your trip abroad:
- via our Mobile Banking app (on iPhone and Android smartphones) - personal customers only
- via Internet Banking (on a computer, tablet or smartphone)
- by calling our Customer Service Team
- by visiting your local branch
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What will happen if I don't register my travel plans?
Your card cannot be used for cash withdrawals or debit card payments in a foreign currency outside the UK. You should contact us as soon as you can using any of the methods explained previously and we will allow your card to be used abroad.
We strongly advise you to ensure that you have a contingency fund of cash in an appropriate currency when you travel abroad.
It is always possible that you could lose or damage your card when abroad and having a supply of cash will help overcome any difficulties you will face.
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Do I need to tell you even if I go abroad for one day?
Yes, if you intend to use your Cumberland Visa debit card while you are outside the UK.
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What if I am going abroad for more than 31 days?
You can extend the dates you already have set by up to 31 days from the date you are extending them.
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Can I advise you of all future trips abroad at the same time?
No. You can only register one trip (i.e. date range) and related location(s) at a time.
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What do I do if I have more than one Cumberland account with a card I want to be able to use abroad?
You can select which account, or accounts, you want to use abroad. You do not need to free up all of your accounts and cards, and we recommend that you only do so on those you intend to use.
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How much notice do I have to give before I go away?
We recommend that you tell us as soon as you arrange your travel plans. You can advise us of your travel plans up to a maximum of one year in advance.
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I have a joint account. If I set travel dates for my card, will it also apply to my partner's card?
No, SecureCard protects your card. Your partner needs to set their travel dates separately.
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What do I do if I change my plans after I have set dates?
If you cancel your travel plans, depart on a different date or return on a different date, we recommend that you change your SecureCard travel dates accordingly.
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Can I use my Cumberland card to pay for things online from a foreign country without notice?
Yes. SecureCard protection only prevents debit card payments or cash withdrawals in a foreign currency outside the UK.
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:
- 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.
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.
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.