Current Account FAQs

Current Account FAQs

  • What is your operating area?

    Our operating area is Cumbria (all CA and LA postcodes), South-West Scotland (all DG postcodes and TD9), West Northumberland (NE45-49) and North Lancashire (all PR, FY, LA AND BB1-3 and BB5-7).
    Find your nearest branch.

  • If I'm opening the account in branch, what should I bring?

    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

    If you are aged under 18, this can be in your own name or in the name of a parent or guardian that lives at the same address.

    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 are aged under 18, this can be in your own name or in the name of a parent or guardian that lives at the same address.

    Proof of Apprenticeship (Freedom Apprenticeship Account Only)
    You must provide us with a letter from an employer/apprenticeship training provider confirming acceptance on an apprenticeship or a copy of an apprenticeship agreement

  • Opening an account in branch

    Unfortunately, we are unable to offer face to face appointments at this time. Please book a telephone appointment to open your current account. Click here to book an appointment.

    Unless you have an account with us already, we will need you to provide proof of your identity and evidence of your address. 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.

  • Personal Savings Allowance

    On 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. This applies to individuals only, as businesses, charities and clubs, already receive interest without tax.

    The tax-free allowance on savings is £1,000 for basic rate taxpayers and £500 for higher rate taxpayers. There is no allowance for additional rate taxpayers

    As a result, tax is no longer deducted from the interest paid on your savings, investments and current account by the provider.
    Click here to read more about the Personal Savings Allowance.

  • 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.

Cumberland Plus Current Account FAQs

  • 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 (NE45-49)
    • North Lancashire (all PR, FY, LA AND BB1-3 and BB5-7)
  • Overdrafts

    For details on overdrafts please refer to cumberland.co.uk/current-accounts/overdrafts

    Please note, we can only consider applications for overdrafts once your current account has been open for 6 months.

Freedom Apprentice Account

  • Can I use the account abroad?

    With the Freedom Apprentice Account, you can use our debit card, Apple Pay and Google Pay to make cash withdrawals in foreign currency outside the UK or debit card payments in a foreign currency.

  • Can I use the account abroad?

    MOBILE BANKING APP
    View your account balance, make and receive payments, and more, with the latest Cumberland mobile banking app. Here's all of the app features.

    CLICK HERE to download the app for Apple iOS devices.

    CLICK HERE to download the app for Android devices.

    CONTACTLESS PAYMENT
    A contactless Visa debit card, Apply Pay and Google Pay.

    FACEBOOK MESSENGER AND WEBCHAT SUPPORT
    Our digital team are available online to answer any questions or queries you have.

    PAY2MOBILE
    Pay2Mobile is part of Paym, a payments service which allows Cumberland current account customers to send and receive money simply and securely using just a person’s mobile phone number.

    This is a really handy feature of our app, useful for collecting football subs or making quick payments.