USE YOUR DEBIT CARD FOR FREE... WORLDWIDE

Wherever you go on holiday, we won't charge you for using your Cumberland Plus debit card.
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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.

HOW AND WHEN CHARGES APPLY
* If your 16-digit Visa Debit Card number starts with 4658 5520 or 4909 71, we will not charge you to use your card, or Apple or Google Pay for transactions in a foreign currency. However, if your card number starts 4658 5550 or 4751 48, we will make a charge of 2.5% of the transaction amount.
We take the charge from your account on the day the transaction is shown on your account, which may not be the same day you carried out the transaction. It will be shown separately on your statement so you can see the cost associated with using your account for transactions in foreign currencies.

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).

Mobile
With our Mobile Banking app it's quick and easy to register your details
Download the app
Online
You can also log on to Internet Banking to confirm your travel plans with us
Log on to Internet Banking
Phone or in branch
Call us or pop into your nearest branch and we will be happy to help you
Contact us

Conversion rates

How the conversion rate works
When you use your Visa debit card to carry out a transaction in a currency other than sterling, unless you are offered and accept a currency conversion rate at the time, transactions will be converted into sterling at the exchange rate on the date they are received by Visa in the UK
Visa Conversion Rates
Please note that conversion rates are only indicative because such transactions are processed and converted when the retailer sends them to Visa. This is not always on the same day as the transaction itself.

FAQS

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.
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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.