Instant Cash ISA
Easy access, tax-free savings
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* Minimum age for Cash ISA is 16 years. Pay in up to £20,000 each tax year. Assumes this Cash ISA is the only ISA you pay into during the tax year. 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, including interest balance would be £1,010.00. * Tax Free rate of interest is the rate payable, under current legislation, where interest is exempt from income tax. (Your tax benefits will be lost if your ISA ceases to be tax exempt). † AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year. Instant Cash ISA is covered by the Deposit Guarantee Scheme.


Our range of accounts offer different features and interest rates depending on the amount of money you have in each and the type of access you need to your money. We want to help you choose the accounts most likely to suit your needs. The type of account you choose will vary depending on what your savings goals are

Make the most of your tax free way to save
Our Best ISA Rates
Longer Term
Higher interest accounts which require a longer commitment to save
Longer Term Savings
Regular Savers
Higher interest accounts which require a monthly saving deposit
Regular Savings Accounts
Instant Access
Accounts which give you immediate access to your money
Instant Access Accounts
Save & Support
For Carlisle United fans and Eden Valley Hospice supporters
Save & Support Accounts
Childrens' Accounts
Great ways for children to start saving for their future
Childrens' Accounts


A personal, friendly service and convenience at your fingertips

Internet Banking
On computer, tablet and smartphone
Internet Banking
View your balances and transfer money between your accounts via secure message. Safely and securely. Current account required
Mobile Banking App
Available on iPhone and Android phones
Mobile Banking App
View the balances of your accounts, without even logging on should you wish. Safely and securely. Current account required
In Branch
34 branches in our region on hand to help
Find A Branch
When you're out and about, a friendly local branch team are nearby to help you 6 days a week
Our Operating Area
We welcome applications from new and existing customers who live within our branch operating area: Cumbria, South-West Scotland, West Northumberland and North Lancashire.
Find a branch
Some restrictions may also apply to new accounts available to existing customers who live outside our branch operating area.
Terms and Conditions
View / Download a PDF of our Savings and Current Accounts Terms and Conditions
Download Terms
These Conditions apply to all Cumberland savings and current accounts and explain the way in which your account works.

How to open an account

You need to arrange an appointment at your local branch (Monday to Saturday). Alternatively, call into your local branch and speak to one of our team.

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
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. If you do not have any of the above, please contact us before you visit.

Current interest rates

Download a PDF showing our current interest rates

Variable Interest Rates
Open & Closed Issue


What is your Personal Savings Allowance?
From 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
Personal Savings Allowance
This applies to individuals only, as businesses, charities and clubs, already receive interest without tax
FSCS Logo (Small) FSCS Logo (Large)

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.

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