Earn % AER*/Gross/Fixed Rate on the one year Fixed Rate Bond term. Scroll down for alternative terms and rates.

This is a Fixed Rate Bond where your investment and interest is fixed for a period of time. At the end of your chosen term, you will be eligible for the loyalty rates—exclusive to maturing bond customers.

• A choice of terms from six months to five years.

• Competitive interest rates.

• Fixed rate of interest guaranteed for the term of your bond.

• Interest to be paid annually into your bond

Things to consider before you apply

• Minimum deposit is £1,000.

• Maximum deposit is £1,000,000.

• Loyalty rates are only available for maturing bonds and will no longer apply on newly opened Bond accounts. 

• You cannot withdraw from this product after the 14 day funding window has ended and your term is underway.

• We will contact you 14 days before maturity to provide you with your options.

• Option to auto-renew at maturity - we will ask for your preference at account opening. You can change this at any time before maturity in Online Banking or Mobile Banking app.

Apply in minutes

Before applying

Please read the  along with the and the Summary Box before applying, to ensure you understand the features and conditions of the account.

To open an account online, you need to be:

• 18 years old or over; and

• A UK resident for tax purposes.

You will need:

• Your mobile phone number and email address

• A minimum deposit of £1,000, with a maximum deposit of £1,000,000.

Existing customers

If you're already a Cynergy Bank customer you can open a Fixed Rate Bond using our quick and easy Fast Track Apply in Online Banking

Take me to Online Banking

Please read the important information below before applying

• Fixed Rate Bonds Summary Box

• Cynergy Bank Privacy Policy

• Frequently Asked Questions (FAQs) about Fixed Rate Bonds

• FSCS Information Sheet / Exclusions List

The information above applies to Fixed Rate Bonds opened after April 2022. For loyalty rates offered at maturity for existing Fixed Rate Bond accounts opened before March 2022 please see our Bond Maturity page.

Please note that information in the Summary Box is a summary of the key features of the account and is not intended to be a substitute for reading the Terms and Conditions

Notes and definitions

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Gross interest is the contractual rate of interest.

**Gross means without tax deducted.

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