Cumberland Building Society
Cumberland Building Society was founded in 1850.
It provides bank accounts, savings accounts, personal loans, mortgages and home insurance.
Their headquarters are based in Carlisle in North West England.
Bank accounts
Ranked 4th of 28 providers reviewed.
| Customer happiness | 77.7% |
|---|---|
| Customer trust | 75% |
| Complaints performance | 70.5% |
| Transparency rating | 69.81% |
| Fairer Finance score Reviewed Autumn 2022 |
73% |
Savings Accounts
Ranked 17th of 50 providers reviewed.
| Customer happiness | 66.28% |
|---|---|
| Customer trust | 68.6% |
| Complaints performance | 70.55% |
| Transparency rating | 62.45% |
| Fairer Finance score Reviewed Autumn 2022 |
67% |
Bank accounts
Basic bank accounts
| Cash withdrawal fee in UK (own bank) i | £0.00 |
|---|---|
| Annual fee i | £0.00 |
| Part of FSCS i | |
| Faster Payment limit i | £10,000.00 |
| Maximum cash machine withdrawal per day i | £300.00 |
| Can you use your card to pay for items overseas? i |
Current accounts
Cumberland Building Society
Cumberland Plus Account
| Annual fee i | £0.00 |
|---|---|
| Maximum cash machine withdrawal per day i | £300.00 |
| Part of FSCS i | |
| Cash withdrawal fee in UK (own bank) i | £0.00 |
| Card payment fee (£) i | £0.00 |
| App capability? i |
Foreign use bank accounts
Cumberland Building Society
Cumberland Plus Account
| Foreign cash withdrawal fee i | 0% |
|---|---|
| Foreign cash withdrawal additional charge i | £0.00 |
| Foreign purchases fee i | 0% |
| Is there a limit on free cash withdrawals? i | Unlimited |
Cumberland Building Society
Day2Day Account
| Foreign cash withdrawal fee i | 0% |
|---|---|
| Foreign cash withdrawal additional charge i | £0.00 |
| Foreign purchases fee i | 0% |
| Is there a limit on free cash withdrawals? i | Unlimited |
Overdrafts
Cumberland Building Society
Cumberland Plus Account
| Risk based overdraft? i | |
|---|---|
| Arranged overdraft interest free amount i | £0.00 |
| Arranged overdraft interest rate (representative EAR) i | 14.99% |
Home Emergency Cover
Cumberland Building Society
Home Emergency Assistance
| Water Supply Pipe Cover i | |
|---|---|
| Boiler Breakdown Cover i | |
| Home Security Cover i | |
| Lost keys Cover i | Covered under the home insurance policy |
| Cover Type i | Add-On |
| Home Emergency Cover limit i | £500.00 |
| Minimum Excess i | £0.00 |
| Internal plumbing and drainage i | |
| External Drainage i | |
| Burst or damaged pipes i | |
| Toilet unit i | |
| Root damage cover i | |
| Primary Heating System i | |
| Temporary Emergency Heating i | |
| Internal gas supply pipe cover i | |
| Boiler Age Exclsuions i | 10 years |
| Annual boiler service i | |
| Age of boiler to qualify for a beyond economic repair contribution i | 10 years |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i | £0.00 |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i | £0.00 |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i | £0.00 |
| Domestic Power supply covered? i | |
| Roof damage i | Covered under the home insurance policy |
| Pest infestation cover i | |
| Underwriter i | RSA |
| Maximum Excess i | £0.00 |
| Alternative Accommodation Cover i | £500.00 |
| 24/7 Claims Helpline i | |
| Unoccupied period i | 60 |
Home insurance (building and contents)
Cumberland Building Society
Home Insurance
| Alternative accommodation cover limit for buildings i | £40,000.00 |
|---|---|
| Matching sets (contents) i | |
| Theft from outbuildings cover limit i | £2,000.00 |
| Escape of water excess i | £100.00 |
| Standard accidental damage - underground services | |
| Alternative accommodation cover limit for contents i | £10,000.00 |
| Cycles included whilst in the home i | |
| Cover for keys if lost or stolen (contents) i | £750.00 |
| Keys/locks if lost or stolen (Buildings) i | £750.00 |
| Money in the home i | £500.00 |
| Replace belongings new for old i | |
| Trace and access i | £5,000.00 |
| Matching sets (Buildings) i | |
| Escape of water (plus compulsory excess) i | £100.00 |
| Compulsory excess (contents) i | £100.00 |
| Additional flood excess i | £0.00 |
| Standard excess for subsidence claims | £1,000.00 |
| Liability as a tenant i | £10,000.00 |
| Liability to domestic employees i | £200,000.00 |
| Property owner liability i | £2,000,000.00 |
| Buildings cover limit i | £500,000.00 |
| Contents cover limit i | £60,000.00 |
| Underwriter | RSA |
| 24hr helpline i | |
| Unoccupied period i | 60 |
| Protection against inflation i | |
| Repairs guarantee i | |
| Amendment fee (telephone) i | |
| Cancellation fee after 14 days i | £0.00 |
| Protected no claims discount option | |
| 24-hour claims helpline | Home Emergency Only |
| Cancellation fee before 14 days | £0.00 |
| Accidental damage - glass and sanitary wear | |
| Damage caused by freezing pipes | |
| Damage from Emergency Services | |
| Cover to break in and clear sewage pipe | |
| Garden protection | £5,000.00 |
| Blocked drains i | |
| Accidental damage cover | |
| Domestic heating fuel and metered water i | |
| Music, film or electronic data downloads | |
| Documents | £2,500.00 |
| Visitor's possessions | £500.00 |
| Out in open cover | |
| Frozen Food Cover | £1,000.00 |
| Temporary freezer storage | |
| Theft or attempted theft i | |
| Dual contents i | |
| Escape of water or oil from appliances i | |
| Escape of water or oil from heating systems i | Sum Insured |
| Credit cards i | £500.00 |
| Storage fees (alternative accommodation) i | |
| Garden plants i | |
| Business equipment | £5,000.00 |
| Household removals | |
| Student's belongings i | |
| Shopping in transit i | £0.00 |
| Cover Away from Home offered for: Electronics | Optional |
| Cover away from home offered for: money | Optional |
| Cover away from home offered for: jewellery | Optional |
| Cover away from home offered for: bicycles & other | Optional |
| Special events (weddings and civil ceremonies) - limit | £3,000.00 |
| Special events (weddings and civil ceremonies) - days | Not Offered |
| Special events (births) - limit | £3,000.00 |
| Special events (births) - days | |
| Special events (anniversaries and birthdays) - limit | Not Offered |
| Special events (anniversaries and birthdays) - days | Not Offered |
| Special events (religious events) - limit | £3,000.00 |
| Special events (religious events) - days | Not Offered |
| Cover for home emergency i | |
| Cover for legal protection/expenses i | |
| Cover for items away from home? i | |
| Personal possessions cover whilst living in a nursing home or residential care setting i | £0.00 |
| Medical equipment loan i | £0.00 |
| Theft from bogus officials i | |
| Storm and flood i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (Including animals, trees, satellites, and moving vehicles) i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
Buildings insurance
Cumberland Building Society
Home Insurance
| Trace and access i | £5,000.00 |
|---|---|
| Keys/locks if lost or stolen (buildings) i | £750.00 |
| Matching sets (Buildings) i | |
| Alternative accommodation cover limit for buildings i | £40,000.00 |
| Blocked drains i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Cover for collision and falling objects (including trees, animals, satellite, vehicle) i | |
| Civil riot or commotion i | |
| Cover for malicious damage | |
| Theft of attempted theft | £2,000.00 |
| Cover for storm and flood | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Escape of water (plus compulsory excess) i | £100.00 |
| Buildings compulsory excess i | £100.00 |
| Escape of water excess i | £100.00 |
| Flood excess i | £100.00 |
| Unoccupied period i | 60 |
| 24hr helpline i | |
| Repairs guarentee i | Not Mentioned |
| Cancellation fee after 14 days i | £0.00 |
| Amendment fee i | £0.00 |
| Property owner liability i | £2,000,000.00 |
Contents insurance
Cumberland Building Society
Home Insurance
| Matching sets (contents) i | |
|---|---|
| Cover for keys if lost or stolen (contents) i | £750.00 |
| Theft from outbuildings cover limit i | £2,000.00 |
| Credit cards i | £500.00 |
| Amendment fee i | £0.00 |
| Cycles included whilst in the home i | |
| Replace belongings new for old i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (including animals, trees, satellites, and moving vehicles) i | |
| Escape of water or oil from heating systems covered? i | |
| Escape water or oil from appliances i | |
| Storm and flood i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Contents cover limit i | £60,000.00 |
| Music, film, or electronic downloads i | |
| Documents i | £2,500.00 |
| Frozen Food Cover i | £1,000.00 |
| Business equipment i | 5,000.00 |
| Tenants improvements i | |
| Items covered whilst you are living in a nursing home, residential care? | |
| Medical equipment loan? | |
| Cover for employee's contents i | |
| Household removals | |
| Student's belongings | |
| Shopping in transit | 0 |
| Visitor's possessions i | £500.00 |
| Temporary freezer storage | |
| Money in the home i | £500.00 |
| Theft from bogus officials | |
| Garden plants | |
| Garden protection | 5,000.00 |
| Out in open cover | |
| Alternative accommodation cover limit for contents i | £10,000.00 |
| Storage fees (alternative accommodation) i | |
| Cover for pets? i | |
| Compulsory excess (contents) i | £100.00 |
| Liability to domestic employees i | £200,000.00 |
| Liability as a tenant i | £10,000.00 |
| Property owner liability i | £2,000,000.00 |
| Personal assault (death benefit) i | |
| Cancellation fee before 14 days | £0.00 |
| 24-hour claims helpline | Home Emergency Only |
| Jury service | |
| 24hr helpline i | |
| Protection against inflation i | |
| Underwriter | RSA |
| Unoccupied period i | 60 |
| Protected no claims discount option | |
| Repairs guarantee | |
| Cancellation fee after 14 days i | £0.00 |
| Wedding and civil ceremonies - limits/days | Cover Limit: £3000 / Days limit: Not Offered |
| Births - limit/days | Cover Limit: £3000 / Days limit: N |
| Anniversaries - Limits/days | Cover Limit: £Not Offered / Days limit: Not Offered |
| Religious events -Limits/days | Cover Limit: £3000 / Days limit: Not Offered |
| Dual contents i | |
| Cover away from home offered for:electronics | |
| Cover away from home offered for: money | Optional |
| Cover away from home offered for: jewellery | Optional |
| Cover away from home offered for: bicycles & other | Optional |