Is Santander or Cumberland Building Society better for your small business?
Below we look at both Santander and Cumberland Building Society reviews on Trustpilot along with their App reviews from Apple and Google.
We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.
Santander vs Cumberland Building Society Trustpilot Reviews
| Santander | Cumberland Building Society | |
| Trustpilot Review Score (out of 5) | 1.4 | 2.5 |
| Percent 5-Star Reviews | 8% | 22% |
| Percent 1- Star Reviews | 85% | 69% |
| Total Number of Reviews | 6,868 | 41 |
https://www.trustpilot.com/review/www.santander.co.uk
https://www.trustpilot.com/review/cumberlandbuildingsociety.co.uk
Santander vs Cumberland Building Society App Reviews
| Santander | Cumberland Building Society | |
| iPhone Review Score (out of 5) | 4.8 | 4.7 |
| Number of iPhone Reviews | 1,100,000 | 644 |
| Android Review Score (out of 5) | 4.4 | 4.8 |
| Number of Android Reviews | 54,300 | 415 |
https://apps.apple.com/gb/app/santander-mobile-banking/id482973524
https://apps.apple.com/gb/app/cumberland-mobile-banking/id715482935
Santander vs Cumberland Building Society Account Fees & Charges
| Santander | Cumberland Building Society | |
| Free Business Bank Account | Yes | Yes |
| Free Business Account Term Length | 18 Months | 12 Months |
| Cheapest Monthly Account Fee | Free | Free |
| Most Expensive Monthly Account Fee | £7.50 | £5 |
| Electronic Payment Cost (in/out) | Free | 35p |
| Cash Payments Cost (in/out) | 70p per £100 | 40p per £100 |
| Cheques (in/out) | Unknown | £1 |
| CHAPS Payments Cost | £25 | £25 |
| SEPA Payments Cost | No | No |
Santander vs Cumberland Building Society Business Savings Rates
| Santander | Cumberland Building Society | |
| Types of Business Savings Accounts | Instant access, Business Reward Saver, Fixed Rate Business Bond, Treasurer’s Savings Account | Instant Access, Fixed Term, Notice Savings |
| Lowest Savings Rate (AER) | 0.40% | 3.05% |
| Maximum Savings Rate (AER) | 3.60% | 4.20% |
| Minimum Savings Amount | £1 | £1 |
| Interest Paid On Foreign Currencies | Yes | No |
Santander vs Cumberland Building Society Account Opening Times
| Santander | Cumberland Building Society | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | Few minutes | 5 to 10 minutes |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
Santander vs Cumberland Building Society Features & Account Types
| Santander | Cumberland Building Society | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | Yes |
| Business Credit Card | Yes | Yes |
| Business Overdraft | Yes | Yes |
| Accounts For Startups | Yes | Yes |
| Accounts For Charities | Yes | Yes |
| Accounts For Sole Traders | Yes | Yes |
| Joint Business Accounts Available | Yes | Yes |
| Card Type | Mastercard | Visa |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | Yes |
| In Person/Branch Banking | Yes | Yes |
| Branch Locations | UK-wide | Locations in North East England only |
Santander vs Cumberland Building Society Customer Support Options
| Santander | Cumberland Building Society | |
| Phone Support Available | Yes | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | Yes |
| Web Based Support | Yes | Yes |
| In person Customer Support | Yes | Yes |
Santander vs Cumberland Building Society Foreign Currency Accounts
| Santander | Cumberland Building Society | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
| No |
Other Business Services From Santander and Cumberland Building Society
| Santander | Cumberland Building Society | |
| Business Loans | Yes | Yes |
| Commercial Mortgages | Yes | Yes |
| Invoice Financing | Yes | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | No |
| Card Machines | Yes | No |
| Free Accounting Software | Yes | Yes |
Santander vs Cumberland Building Society Banking Basics
| Santander | Cumberland Building Society | |
| Bank Type | High Street | Building Society |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 106054 | 106074 |
| Website | Santander Website | Cumberland Building Society Website |
Common Comparison Questions
Does Santander or Cumberland Building Society have better customer reviews?
Santander scores 1.4 out of 5 based 6,868 Trustpilot reviews. Of these reviews 8% are 5-star and 85% are 1-star.
Whereas, Cumberland Building Society scores 2.5 out of 5 based 41 Trustpilot reviews. Of which 22% are 5-star and 69% are 1-star.
Does Santander or Cumberland Building Society have a better App?
Santander’s iPhone App is rated 4.8 out of 5 based on 1,100,000 reviews. And it’s Android App is rated 4.4 out of 5 based on 54,300 reviews.
In comparison, Cumberland Building Society’s iPhone App is rated 4.7 out of 5 based on 644 reviews. And it’s Android App is rated 4.8 out of 5 based on 415 reviews.
Does Santander or Cumberland Building Society have better business savings rates?
Santander offers the following types of business savings accounts: Instant access, Business Reward Saver, Fixed Rate Business Bond, Treasurer’s Savings Account with interest rates ranging from 0.40% to 3.60%. (AER)
In contrast, Cumberland Building Society offers Instant Access, Fixed Term, Notice Savings accounts with interest rates ranging from 3.05% to 4.20% (AER).
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For other business bank accounts see our guide here.