We’re updating our records to keep your money safer

If you have a business or non personal account with The Cumberland, you may recently have received a letter asking you to provide some documents and information about your business. Since you opened your Cumberland account, we’ve used this data to protect you and your money. Now it’s time to review our records and make sure everything is up to date. We need to ask you to provide the information so that we continue to keep your data as safe and secure as possible.

What you need to do…

Please complete the Account Information Form enclosed with the letter and;

If you wish us to complete identification and address verification electronically

  • You and all authorised signatories will need to sign and return the consent form enclosed with the letter.
  • Provide the documents listed in Appendix 2 , if applicable to your type of organisation. Please ensure these are certified by someone listed on Appendix 3 “who can certify your documents”.
  • Please return all the information we’ve requested in the envelope enclosed with the letter, within 30 days.
  • Remember to sign the form (authorised signatories only).

OR

If you do not wish us to complete identification and address verification electronically

  • You will need to return the documents we’ve requested in Appendix 4 and have them certified as detailed in Appendix 3. Appendix 4 explains who is required to provide documents and explains what the acceptable documents are. Please select one from List A and one from List B.
  • Please ensure your identification and address verification documents are certified by someone listed on Appendix 3 “who can certify your documents”.
  • Provide the documents listed in Appendix 2 , if applicable to your type of organisation. Please ensure these are certified by someone listed on Appendix 3 .
  • Please return all the information we’ve requested in the envelope enclosed with the letter, within 30 days.
  • Remember to sign the form (authorised signatories only).

We have included some FAQs below to help you complete the form and provide the correct information

Need to know more?

You can get in touch with our specialist team on 01228 585823 who are available Monday to Friday 9am - 5pm and they’ll point you in the right direction.

FAQs

Use the table below to identify the documents which we need you to provide. Please do not send us original documents.

Type of Business

Who needs to provide documents

Documents to be provided

Sole Trader

Owner

Identification document &

Address verification document

The Business

Latest tax return, SA302, business bank statements (dated within the past 3 months) or signed year end accounts

 

 

Partnership

All partners owning 25% or more of the business

Account Signatories

Identification document &

Address verification document

 

The Partnership

Partnership Deed or a letter from your solicitor or accountant confirming the % of the business each partner owns &

Latest signed year end accounts

 

Limited Company

All directors

All shareholders owning 25% or more shares

Account Signatories

Identification document &

Address verification document

 

 

Limited Liability Partnership

All capital shareholders owning 25% or more

Account Signatories

Identification document &

Address verification document

 

The Partnership

 

Partnership Deed or a letter from your solicitor or accountant confirming the % of the business each partner owns

 

Registered Charity

All Trustees

Account Signatories

Identification document &

Address verification document

 

 

Unregistered Charity

All Trustees

Account Signatories

Identification document &

Address verification document

 

The Charity

 

HMRC documentation containing charity number and signed year end accounts.

 

 

School

Head Teacher, Secretary, Chair of Governors

Account Signatories

Identification document &

Address verification document

 

The School

 

Certificate of incorporation and signed year end accounts

 

Trust

All Trustees

All Settlors & Grantors

All Beneficiaries (if named in the Trust Deed)

Account Signatories

Identification document &

Address verification document

The Trust

Trust Deed & Trust Declaration &

Last audited report of the accounts confirming what assets have been placed in the trust

 

Club, Society or Association

The Chairperson, Treasurer and Secretary

Identification document &

Address verification document

The Club, Society or Association

Relevant Constitution and a copy of minutes which include a list of the officers of the Club, Society or Association

Please do not send us original documents

Documents we will accept to verify Identity

 

We will accept certified copies of any one of the following forms of identification, containing your full name, photograph, and DOB (passport, driving licence, ID card and residence permit only) or residential address.:

Documents we will accept to verify Address

 

We will accept certified copies of any one of the following forms of address verification. Must contain your name and address. Any document from this list is unacceptable if information has been redacted, altered, or changed.:

Current valid signed UK or foreign passport.

Recent Utility Bill (dated within 3 months & not printed off the internet & not a mobile phone bill)

Current UK photo-card driving licence (full or provisional)

Council Tax bill issued in the last 12 months

Valid Biometric Residence Permit

Current UK photo-card driving licence (if not provided as evidence of identification) 

Firearms certificate or shotgun licence

Mortgage statement issued in the last 12 months and must confirm account number.

Valid EEA Passport or EU member state ID Card

Bank or Building Society statement issued in the last 3 months, must contain sort code and account number.

Valid Home Office Immigration Status documents, must be provided alongside proof of Right to Reside.

Financial statement issued in the last 12 months, must include policy or account number. (E.g. Pension or Endowment)

UK and Channel Islands Adoption Certificate (Under 18's Only)

Recent Credit Card statement dated within last 3 months & not printed off the internet

UK Armed Forces card of letter from commanding officer issued in the last 12 months.

Government issued Benefit Statement, issued in the last 3 months and must contain National Insurance number. (E.g. Child Benefit or DWP)

Birth Certificate issued within 12 months of birth (Under 18's only

Valid Irish Passport Card

Government issued Benefit Statement, issued in the last 3 months (e.g Child Benefit, DWP)

A letter from Headteacher or College principal. (Under 18s only)

HMRC Tax Assessment issued in the last 12 months of previous tax year (E.g. Coding Notice of Statement)

P45 or P60 issued in the last 12 months.

We cannot accept a single document to verify both identity and address.

A photocopy of your documents will need to be certified by one of the following individuals before being posted to us:

Bank or Building Society employee

Minister of Religion

Dentist

Chartered Accountant

Solicitor or Notary

FCA Regulated Broker

Your chosen certifier should write the following on the document they are certifying:

For your documents which contain a photo

"I (full name of certifier) confirm that this is an accurate copy of the original and the photo is a true likeness of the person concerned"

They should also write:

  • Their full name and contact details
  • Status as a regulated financial services provider or practising tax or legal professional, auditor or insolvency practitioner registered in that jurisdiction (if applicable)
  • Company name and registration number
  • Their signature and date

For your documents that don’t contain a photo

"I (full name of certifier) confirm that this is an accurate copy of the original"

They should also write:

  • Their full name and contact details
  • Status as a regulated financial services provider or practising tax or legal professional, auditor or insolvency practitioner registered in that jurisdiction (if applicable)
  • Company name and registration number
  • Their signature and date