General Information

Cumberland • business is part of Cumberland Building Society

Principal Office

Financial Services Authority

Cumberland Building Society and Cumberland Financial Services Limited are entered in the Financial Services Authority's Register and their Register Numbers are 106074 and 200391.

For more information you may visit www.fsa.gov.uk/register/

Customer Services Helpline 0845 601 8396

Cumberland Internet Banking Helpline 0845 121 43 53

Opening Hours:
8.00am - 8.00pm Monday to Friday
8.30am - 12.30pm Saturday

Telephone Calls

For your added security and to help us improve our service, telephone calls may be recorded and the recording kept secure.

Website Information

The information contained within this site is designed to be read in conjunction with our range of leaflets, some of which you can view and download from this site. Alternatively contact us and we will arrange for you to receive printed versions of the leaflets.

The Cumberland is not responsible for the content of the external internet sites linked from this site. See the Privacy Policy for more information.

This site is intended for UK residents unless otherwise stated.

Lost or stolen cards

Call Customer Services on 0845 601 8396 during opening hours or 01228 547090 at all other times

Charges for Business Account Services

Full details of our Business Current Account charges can be viewed in our Business Current Accounts leaflet and Charges for Account Services leaflet, alternatively contact us for more information.

New & Existing Investors

The Society requires new investors to agree to assign any possible future windfall rights, in the unlikely event of conversion to a bank or a takeover, to a charitable foundation. Full details are set out in the Society's new account application form. 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. Existing customers should contact us for further information.

Interest Rates

Full details of our variable interest rates can be viewed in our summary leaflet, alternatively contact us for more information.

Savings and Current Account Interest Rate Changes

Changes to interest rates will normally be notified to customers by a combination of notices and leaflets in branches and advertisements placed in a selection of the following newspapers circulating in various parts of Cumbria, South West Scotland and West Northumberland - Evening News and Star, Cumberland News, Annandale Observer, Annandale Herald, Dumfries and Galloway Standard, Dumfries Courier, Moffat News, North West Evening Mail, Westmorland Gazette, Eskdale and Liddesdale Advertiser and Hexham Courant. Customers in the Preston area and outside our branch operating area will normally be notified by letter.

Changing your mind

If after opening a savings or current account you find that you are not happy about your choice of current or savings account (except for a fixed rate account) you may cancel it within 14 days of:

1. the day the account is opened or your first deposit made; or
2. the day you receive your Cumberland Savings and Current Account Conditions leaflet

We will then help you switch to another one of our accounts or we will give you all of your money back with any interest you have earned. The interest we pay to you in these circumstances may be calculated at the rate advised at the time for our Instant Savings account. If your account has been overdrawn you may be required to repay any debit interest owed before the account can be closed. We will however ignore any notice period and any extra charges.

If you do not exercise your right to cancel during this period, you will be bound by these terms and conditions.

Mortgage Interest Rate Changes

Changes to interest rates will be notified to customers by letter. If you make your monthly payment by regular 'internal transfer' from a Cumberland account, you will need to confirm your new payment instruction unless you've already given us the authority to change it automatically. If you have a variable direct debit the Cumberland will collect the new payment automatically. If you currently pay a fixed amount by Direct Debit you need to contact us to change the amount you pay to fully cover the payment required. If you pay by standing order, you will need to give new instructions to the bank or building society concerned.