Current Account FAQs
Current Account FAQs
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).
When opening an account with us, we are required by law to verify your identity. We will do this by completing an Electronic ID search (EID) if you are aged 18 or over.
If EID is unsuccessful, or the results are not sufficient to pass the ID check, we will ask you to provide two forms of identification as an alternative. For customers under the age of 18, two forms of identification will always be required as it is not possible to complete an EID search on customers below the age of 18.
If you are asked to bring physical copies of identification, please bring along two documents (one from each list below).
Note: The same document cannot be used for both Proof of Identity and Proof of Address.
Proof of Identity
- Valid UK, EU or EEA Passport
- Valid International Passport
- Valid National Identity Card
- Valid Full UK Driving Licence
- Valid Provisional UK Driving Licence
- Firearms Certificate or Shotgun Licence
- HMRC Tax Assessment issued within the last 12 months (not a P60 or P45)
- Benefit statement issued within the last 12 months
- Private Pension statement issued within the last 12 months
- Signed UK Armed Forces letter containing your name, date of birth and position
- Home Office Immigration Status document accompanied with proof of right to reside in the UK
- Birth Certificate or Adoption Certificate (under 18’s only)
- NHS Medical Card (under 18’s only)
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 Address
- Valid Full UK Driving Licence
- Valid Provisional UK Driving Licence
- Bank or Building Society statement issued within the last 3 months
- Council Tax statement issued within the last 12 months
- Utility Bill issued within the last 12 months (mobile phone bills cannot be accepted)
- Mortgage statement issued within the last 12 months
- Letter from UK solicitor confirming house purchase issued within the last 3 months
- Private Pension statement issued within the last 12 months
- Government Pension statement issued within the last 12 months
- House Insurance certificate
- Motor Insurance certificate
- HMRC Tax Assessment issued within the last 12 months (not a P60 or P45)
- Letter from headteacher or college principal (if in full-time education) (under 18’s only)
- Parent or guardian address verification (under 18’s only)
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
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. For more information about your Personal Savings Allowance click here, or read our handy article on our Savings Hub.
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
We welcome applications from both new and existing customers. New customers must live within our 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)
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.
For details on overdrafts please refer to our dedicated overdrafts page.
Freedom Apprentice Account
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.