
Earn up to 3.50% AER*
Business Current Accounts
Get £200 cash if you open an account before 31 July 2026!
New account openings only. Subject to eligibility and apply.
*3.50% AER variable on balances up to £10,000. 0.10% AER variable on balances above £10,000. Please read the before applying.
Why Cynergy Bank
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.





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.
Business current account - Important product information
What's the Cynergy Business Current Account?
Are there any fees for the Cynergy Current Account?
How do I open and manage my account?
What is the interest rate paid / applied on the Business Account?
Can Cynergy Bank change the interest rate?
What are the transactional services and fees for the Business Current Account?
Can I make international payments with the Business Current Account?
Do you offer a business debit card as part of the Business Account?
Can I pay my employees’ payroll or contractors with a bulk payment functionality with the Business Current Account?
Business Current Account: additional information
How can I decide which Cynergy account is best suited for my needs: Business Current Account, Business Saver, or Business Notice Account?
*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.
Why Choose Us For Business Current Accounts
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:
Business Current Account T&Cs: Business_Current_Account_TCs___June_25.pdf
Business Current Account Fee Information Document: Cynergy_Business_Current_Account_-_Fee_information_document_-_June_2025.pdf
Ways you can contact us
Email us
using our online form.




