Cumberland Plus Current Account

Choose from three easy ways to open your next current account.
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Money Worries at Christmas

Our guide covers everything from budgeting for the big day to saving money on gifts whilst still creating a magical experience.
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A competitive, comprehensive current account which includes the option of an overdraft but requires £750 per month minimum funding.
A full range of features you would expect from a bank account, including online and app banking
Current Account Switch Guarantee
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.
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Account Summary

  • Cumberland Plus Current Account
    Online or in branch
    Minimum age
    Must be main account
    Minimum funding requirement
    £750 per month1
    Charge if funding requirement is not met
    £2 per month2
    Current Account Switch Service
    Mobile banking
    Internet banking
    Contactless Visa Debit card
    Apple Pay, Google Pay
    Standing Orders & Direct Debits
    Customer Service Helpline
    Verified by Visa and One Time Passcode protection
    Cash withdrawal in foreign currency outside the UK and debit card payments in a foreign currency
    Use of all Cumberland branches
    Cash withdrawal in pounds in the UK at Link cash machines
    £300 per day
    Cash withdrawal at Cumberland branches
    £500 per day
    Text alerts
    Mini statements from Cumberland cash machines
    Cheque book
    Free (on request)
    Arranged overdraft facility
    Yes, on request - subject to status
    Credit interest paid on your account
    Minimum Balance - £1
    Variable Gross5 AER6 - 0.00%
    Arranged overdraft interest rate
    14.99% p.a. variable EAR7
    Representative example: If you use an arranged overdraft of £700 the interest we’ll charge is 14.99%.
    Access to eSavings account

    Credit interest rates effective from 01/07/20.

    1. You must fund your account with at least £750 per month from an external source (ie. excluding cash, any cheque or an internal transfer from another Cumberland account). 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 this leaflet on page 14.
    3. Internet Banking is a requirement of this account.
    4. The Cumberland does not charge you to use your Cumberland card but the provider of a cash machine or a retailer may apply a charge.
    5. Gross rate 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.
    6. Annual Equivalent Rate (AER) illustrates what the interest rate would be if interest was paid and added each year.
    7. Effective Annual Rate (EAR) is the actual annual rate of an arranged overdraft. It does not take into account other fees and charges.
  • eSavings Account
    Minimum balance What is the interest rate? (Variable Gross Interest1/AER2)



    Interest paid

    Interest is calculated on a daily basis, and is paid gross (without deduction of tax) annually on 31 March.

    Can Cumberland Building Society change the interest rate?

    Yes. The rate of interest paid on money in your account is variable and may be changed by us. Where we do so, we will give you reasonable notice in advance of the change.

    Examples of when changes may happen include a change in the Bank of England base rate, or market condition changes such as, general interest rates changes on similar accounts offered by other savings account providers.

    For further details, please read clause 8.7-8.9 in our Savings & Current Account Terms & Conditions leaflet.

    What would the estimated balance be after 12 months based on a £1,000 deposit?

    If £1,000 was deposited in the account on opening on 1 April, assuming no further deposits or withdrawals are made, on 31 March the account balance, including interest would be £1,041.00.

    This figure is for illustrative purposes only.
    How do I open and manage my account?

    This account is available to open for internet enabled, Cumberland Plus and Freedom Apprentice current account customers only who live in our operating area.

    The account can be opened at any Cumberland branch or online.

    The account must have a minimum opening balance of £1.

    Only one sole account or one joint account per customer.

    Maximum balance of £50,000 for sole and joint accounts.

    There are several ways you can open and manage your account.

    You can book a telephone appointment with one of our friendly advisors who can take you through the application process or help you with your account at any time.

    Visit any of our Cumberland branches for support in person. To book an appointment with one of our branches click here.

    If you are already a Cumberland customer with an internet enabled current account, you can manage your account online.

    Once you are an account holder, our Customer Service Team are also available to help you on 01228 403 141.

    Can I withdraw money?

    Yes. Instant access withdrawals via online transfer to your Cumberland current account.

    Withdrawals not permitted by direct debit, standing order, regular internal transfer or faster payments.

    Additional Information

    If you close or de-register your internet banking Cumberland Plus or Freedom Apprentice current account, your eSavings account will, in the absence of any alternative instructions be closed.

    No bonus payment applies to this account.

    1. 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.

    2. Annual equivalent rate (AER) illustrates what the interest rate would be if interest was paid and added each year

Apple 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

Google Pay
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

Cumberland Plus FAQs

Have any questions about this account? Click the button below to find out more, call (01228) 403 141 or visit your local branch.

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Charges and Terms

Find out more about the fees for using the main services linked to our individual current accounts.

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Documents to Download

A range of documents for you to download, providing more information about our Current Accounts.

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Fraud and Internet Security
Keeping yourself and your money safe

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.

Fraud Protection Tips

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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