Why Cynergy Bank

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Rated ‘Excellent’ on Trustpilot from over 5,000 reviews. As of April 2026.
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Eligible deposits are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.
Human-Digital Bank
Delivered by dedicated, expert people, enabled by technology.

A more rewarding business bank account

Our interest rate is just for starters...

  • Put your business cash to work - earn up to 3.50% AER variable (3.44% gross p.a.) on the first £10,000, while anything above earns 0.10%.

  • Send money seamlessly across borders in up to seven different currencies. Hold money in dedicated GBP, EUR and USD accounts – ready for wherever your business takes you

  • Limited offer: Enjoy 12 months of fee-free banking on us. After that, keep things going for just £5 a month with the account designed for you.

Business Banking

Is Business Current Account suitable for you?

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Suitable for:

  • Businesses based in the UK and registered with Companies House, where applicable.

  • Partnerships, limited liability partnerships and limited companies.

  • Businesses with up to 10 named individuals including Partners, Directors and shareholders. (Shareholders with a shareholding of 10% or more must be added).

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Not suitable for:

  • Charities or Trusts

  • Non-UK businesses

  • Money Service Businesses (MSBs) and Payment Service Providers (PSPs)

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Must reads

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Already started an application?

Already started an application?

. Please note that started applications will be cancelled after 14 days if not completed.

Existing customer:

Already an existing customer? Great news. Simply log in to Online Banking or your Mobile App and use our Fast Track Apply journey to open your Business Current Account - so you can benefit from an account that works as hard as you do.

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Ready to get started?

Apply for your Business Current Account

3.50% AER variable (3.44% gross p.a.) paid on balances up to £10,000.
Make international payments in up to seven major currencies, with option to open EUR or USD accounts.
0.10% AER variable (0.10% gross p.a.) on balances greater than £10,000.
Manage your account via Mobile Banking app and Online Banking.
LIMITED OFFER: Fee-free for the first 12 months. Reverts to £5 per month after 12 months. Terms and Conditions apply.
Integrates with Sage accounting software.

*AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded once each year. Gross interestis the contractual rate of interest.

** Excludes cash, CHAPS, SWIFT and SEPA transactions. Offer available for new Business Current Account openings only. For details of ongoing fees and transaction charges, see .

Terms and conditions apply. Subject to meeting the customer acceptance policy.

A team that knows your business

Relationship Managers

Larger deposit?

If you have more than £500,000 to deposit, or your business has an annual turnover of £500,000 or more, please contact our Business Banking team at businessbanking@cynergybank.co.uk for more details.

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Liam Hutchings Contact

Head of Private & Business Banking

Liam leads Cynergy Bank’s Private Banking proposition for the mass affluent segment, serving both individual and business clients.

Why Choose Us For Business Current Accounts

International payments
Make international payments in up to seven major currencies, with option to open EUR or USD accounts.
Online Banking & Mobile app
Manage your account via Mobile Banking app and Online Banking.
Accounting software integration
Integrates with Sage accounting software.
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Open a business current account

Terms and Conditions for £200 Account Opening Incentive

1. Eligibility:

1.1. This offer is available to businesses that:

  • Are opening a Business Current Account (BCA) with Cynergy Bank for the first time

  • Submit the application online or by emailing businessbanking@cynergybank.co.uk – offer not eligible to customers opening a Business Current Account to service a loan with Cynergy Bank at this time.

  • Are based in the UK and registered with Companies House, where applicable.

  • Operate as a partnership, limited liability partnership, or limited company.

  • Have up to 10 named individuals, including Partners, Directors, and shareholders. Shareholders with a shareholding of 10% or more must be added.

  • 1.2. This offer is not available to:

  • Sole traders.

  • Charities or Trusts.

  • Non-UK businesses.

  • Personal current account holders.

  • Customers flagged as Politically Exposed Persons (PEPs).

  • Accounts classified as high-risk based on our internal risk assessment.

2. Incentive Details:

2.1. To qualify for the £200 incentive, you must:

Open a BCA with Cynergy Bankbetween 05/05/2026 and 31/07/2026.

The account must be successfully fundedby 31/07/2026.

  • Deposit a minimum of £5,000 from an external account within one month of account opening.

  • Keep the account open with an average balance of £5,000 for a period of at least 3 months.

2.2. The £200 incentive will be credited to your BCA after the 3 month timeframe subject to meeting the deposit requirement.

3. General Terms:

3.1. The bank reserves the right to withdraw the incentive if the eligibility criteria are not met or if there is evidence of misuse.

3.2. This incentive is subject to availability and may be withdrawn or amended at any time without prior notice.

3.3. By participating in this offer, you agree to comply with all applicable laws and regulations, as well as Cynergy Bank's policies and procedures.

4. Product-Specific Terms and Conditions:

4.1. Once the BCA is opened, the product-specific Terms and Conditions for the Business Current Account, which can be found below, will apply.

4.2. It is your responsibility to review and understand the product-specific T&Cs & Fee Information Document before opening the BCA.

5. Data Protection:

5.1. Your personal and business data will be processed in accordance with Cynergy Bank's privacy policy:https://www.cynergybank.co.uk/privacy-policy.

5.2. By participating in this offer, you consent to the collection, use, and processing of your data as outlined in our privacy policy.

Product Specific Documents for Review:

OTHER BUSINESS PRODUCTS

EXPLORE ACCOUNTS AND SERVICES THAT MAY SUIT YOUR BUSINESS

BUSINESS LENDING
PROPERTY FINANCE
BRIDGING FINANCE
PRIVATE BANKING

Ways you can contact us

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Send us a secure message by logging into Online Banking.

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Email us

using our online form.

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Phone us

0345 850 5555 (or +44 (0) 20 3375 6422 if you're calling from outside the UK)