Everything you’d expect from a bank account, without the bank. Be more than a number with the Cumberland. The full range of banking services works on the following devices:
Making your life that little bit easier. Available for iPhone and Android phones
Available for free for iPhone and Android phones
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. Paym connects the current accounts and mobile phone numbers of over 40 million customers of the participating banks and building societies. So, when you need to exchange money with someone but cash isn’t to hand, sharing account details is a hassle or you may need to use a cheque, Pay2Mobile could be the answer
Our Visa debit card can be used at home and abroad to buy things and withdraw cash
We will not charge you to use your Cumberland card but the provider of an ATM or retailer may apply a charge
How we help to make your money safe and secure
Check that the contactless symbol is displayed on or around the payment terminal and as long as the total value of the items being purchased is £30 or less, you will have the option to carry out a contactless payment. To make the payment, simply touch or tap your card on the payment terminal and if the payment has been successful, the terminal will confirm payment by either sounding a beep or displaying an approved message.
Yes. If Visa Debit cards are accepted by the retailer, you can still make Chip and PIN payments as normal.
Yes, but the payment terminal will automatically request that you undertake a Chip and PIN payment.
Yes. You can continue to make payments of any value using Chip and PIN.
You will be required to enter a PIN when making your first payment at a retailer following receipt of your contactless Visa Debit card to verify the card. Occasionally, when making a contactless payment, you will be asked to enter your PIN as extra security.
Yes, though these requests will continue to occur as Chip and PIN transactions.
This may vary dependent on the individual payment terminal; some will print a receipt, but others may not and you would have to request this from the individual retailer.
The payment terminal will notify you that the payment has been declined and you should then be prompted to pay by an alternative method.
Yes, you can make contactless payments wherever you see the contactless symbol, but please note that for your security outside the UK it may not be possible to make contactless payments in some circumstances, such as on transport systems (eg. buses and trains), at road tolls or vending machines. You can also still use your card for Chip and PIN payments when abroad. Please remember, Cumberland Visa Debit cards are unable to be used outside the UK unless you inform us of the dates and destination of your travel.
You can inform us within the Other Services section in Internet Banking, selecting the Using My Card Abroad option or by calling our Customer Service Team.
No. Contactless debit card payments will appear in the same way as other debit card payments do.
No. Your card must be held very close to the front of the payment terminal at the time that payment is requested. Always remove your card from your wallet before using it at contactless payment terminals. This avoids the payment being taken from another card in your wallet if you have more than one contactless card.
Call our Customer Service Team immediately. If you are calling outside the Society’s normal opening hours it is important that you leave a message on the automated service. Your liability for any fraudulent payments will cease at that point, unless you are deemed to have acted negligently in any way.
Yes. Contactless cards can already be used to travel on London bus services and the London Underground, the tram, the DLR (Docklands Light Railway), London Overground and most National Rail services in London.
Your contactless card will be authorised each day when you begin your first journey. You can then perform multiple trips during that day with a total fare for all journeys debited from your account at the end of the day. Additionally, fare capping, which will cap the amount you will pay when using your contactless debit card for multiple journeys in a single day or a week (from Monday to Sunday), could apply when travelling on TfL. Please click for full details on how Tfl fare capping works.
No. You do not need to register for an online account to use your contactless card on the TfL services but there are benefits to doing so such as having a record of your last 12 months travel. The main benefit of registering for an account is that if you start a journey and your contactless card is declined you will receive an email notification indicating the reason for the decline. If your card is declined, you can complete the journey, but will not be able to make another journey until your card issues are resolved. If you are not able to tap your card at the end of your journey, for example because the station gates have been opened, you may be charged a maximum fare for that journey; this can be refunded if you have a TfL online account.
No. You can choose from any of your eligible Cumberland current accounts when sending the payment.
Before sending or receiving payments, you must make sure we have your current mobile phone number. You can register one mobile phone number to use with Pay2Mobile.
You can select the account you want payments to go to in Cumberland Internet Banking, and you can change this at any time.
If you have a joint current account, all holders of the account can register their own mobile phone number to use Pay2Mobile.
When sending a payment, it is vital that the recipient’s mobile number and the amount is correct. We will not be liable if the money is sent to the wrong person or for the wrong amount, but we’ll do our best to try to help you regain the money.
Before sending money, Pay2Mobile will show you the name of the person whose mobile number you have entered to allow you to check that it matches your intended recipient.
Pay2Mobile is designed to complement our mobile banking service. Pay2Mobile should be used to send payments using mobile phone numbers and to keep an eye on your account balances. Mobile banking offers more features allowing you to send payments to your trusted payees and to view transaction information on your accounts.
When making a payment, a confirmation message will be displayed when choosing the payee from your Contacts or typing in their mobile number.
Payments will be credited to your chosen account in the same way as any other payment. The description entered by the person sending the money will be visible on your statements which can be viewed in internet and mobile banking and on mini-statements from Cumberland cash machines.
No, we will not charge you to send or receive payments, although use of the app may incur data use charges from your network provider.
Pay2Mobile works on Android smartphones and iPhones. Pay2Mobile should not be used on rooted or jailbroken devices (ie. a handset which has had its default operating system restrictions removed). See our Internet Banking Terms and Conditions for more information.
You need to call our Customer Service Team or visit a branch.
No. You need to contact us to set-up full access to internet banking to register.
A payment sent to you via Pay2Mobile will typically be credited to your account at the same speed as other online payments.
At the moment Pay2Mobile can only be used for payments between individuals. For example, you could use Pay2Mobile to pay a friend or pay an individual such as a tradesman or babysitter for their services.
The service has been developed by the participating UK banks and building societies to meet with their high security levels.
Yes, your details are held securely, and are fully protected by data protection laws.
A fraud prevention feature of Cumberland Internet Banking which contacts you by phone to confirm it is you making certain payments from your accounts.
Cumberland Internet Banking is designed to protect you and your money from fraud, and SecureCall gives you even more protection.
In the unlikely event of a fraudster obtaining your internet banking logon details and gaining access to your accounts online, they would not have enough information to move money out of your accounts.
When a payment is being made from one of your accounts in internet banking to another person or company you have not paid before, you will receive an automated phone call to confirm that it is actually you making the payment. The call will confirm the details of the payment and give you a code to enter into internet banking.
That payee is then recognised and you will not have to authenticate them again for future payments unless the amount being sent is above a certain value.
Yes. Whether or not you make payments in internet banking, SecureCall will go a long way to making sure your money is secure.
When you register for SecureCall you will be able to specify up to 3 different phone numbers on which you can receive calls. Typically this will be numbers for your home, work and mobile phones.
When making a payment, you will be able choose whichever number is most appropriate for you at the time.
It is important that you only register numbers which you can be contacted on directly. So for example, do not use numbers which are first answered by a switchboard or automated queuing service. We also suggest that you do not use numbers on which calls are recorded.
You can register international numbers, but not premium rate numbers (e.g. starting 09).
We will normally register you on the day we receive your registration form, and will contact you by secure message in internet banking to let you know as soon as you are protected.
No, although your mobile service provider may charge you for receiving a call when you are abroad.
End the SecureCall call by hanging up and call our Customer Service Team on 01228 403141 (00 44 1228 403141 from outside the UK) straight away to report the details. If you are calling us outside opening hours, leave your contact details on our answer service and we will get in touch the next bank working day.
To use SecureCall, you will need to be able to receive a call from us, confirm the details read out and then enter a code into internet banking. If you are unable to do this then please visit your local branch or contact us by other means and we will arrange the payment for you.
Verified by Visa (VbV) is a free service provided by Visa and Cumberland Building Society which provides password protection and helps prevent another person using your Visa debit card online at participating VbV online retailers.
Once you have registered and created a password, each time you make an online purchase via participating retailers you will be asked for your VbV password, just like entering your PIN at an ATM. When you enter your password, your card details are checked to confirm that you are the authorised cardholder and your purchase is completed.
You can register your Cumberland Visa debit card(s) for the VbV service here or when prompted whilst making a purchase at a VbV participating retailer. You will be sent a One Time Passcode (OTP) via text message to your mobile phone. You will need to enter this code online to set up a VbV password and complete your VbV registration.
The registration process is very straightforward. However, if you have any questions, or need assistance, you should contact our Customer Service Team on the number below.
OTP is an additional security feature, where you will receive a unique 6 digit code via text message to your mobile phone when you register your Visa debit card for the VbV service for the first time or if you need to reset your existing VbV password. You will be required to enter this 6 digit code online to complete your registration or password reset.
So we can send you the OTP by text to enable you to continue shopping online at participating VbV online retailers. This is especially important if you:
You can continue to shop online at participating retailers, however, if you need to reset your VbV password we will need your current mobile number to send you the OTP by text to enable you to continue shopping online.
No. We need to send the OTP via text to your mobile phone.
You must advise us of your new number as soon as possible.
If you have not provided us with your mobile number or your mobile number has changed and you are unsure if the number we have recorded for you is correct, please call into your local branch or call our Customer Service Team on the number below for details on how to update your mobile number.
The OTP will expire 10 minutes after you have started the registration or reset password process. If it expires,you will have to begin the process again.
If you enter your OTP incorrectly, you will have a further attempt before your Visa debit card is blocked from online purchases at participating VbV retailers. To unblock your card please call our Customer Service Team on the number below.
Please advise us of this by calling our Customer Service Team on the number below or call into your local branch.
The OTP will be sent to the mobile number that is linked to your personal account.
The OTP will be sent to the mobile number that is linked to your personal details.
We encourage you to register all of your Cumberland Visa debit cards, including business debit cards, if applicable. There is no limit to how many cards you can register.
VbV protects each individual Visa debit card. Each cardholder on an account must register their own card, using their own mobile number and set up different VbV passwords.
You will need to register your new card. Please refer to the process outlined in question 3.
Yes. You can use your VbV password immediately after successfully completing your registration.
When you make a purchase online at a VbV participating retailer, your VbV password will be requested. After reviewing the details of your purchase and confirming that your personal message is correct, simply enter your VbV password to complete your purchase.
This is a message that you create during registration for the VbV service. It must be different to your VbV password. Once you’ve completed your registration, each time you make an online purchase you will be asked to enter your VbV password. In this screen, you’ll see your personal message, which is your assurance that the screen you are seeing is genuine. If this is incorrect, or if no personal message is displayed, you should not enter your VbV password, but should instead contact our Customer Service Team on the number below.
We strongly recommend each Visa debit card has its own unique VbV password so it is protected individually. You should select a password that will be easy for you to remember, but difficult for others to guess. The password must be between 6 and 10 characters in length and contain at least one number.
Go to the registration site and click the reset password link. Alternatively, you can change your password on screen when shopping online. You will be unable to reset your password if we do not have a record of your current mobile number.
Yes. You will not be asked for your VbV password at these retailers. To complete your purchase, simply follow the checkout process on screen.
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.