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Compare Accounts

Compare Accounts

The products are summarised below and you can click the product name to find out more and apply online.

You also have the assurance that you are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

Easy Access Accounts

Product

Interest rate

AER

Open with

Account management

Withdrawals

Online Easy Access Account

(Issue 73)

4.95% AER/Gross/Variable including 12 month bonus (after 12 months the interest rate reverts to the gross underlying variable rate).

For accounts opened on and after 4.00pm, Tuesday 23 April 2024

£1

Online only

Unlimited without notice

No penalty fees

Notice Accounts

Product
Online Notice Saver

Interest Rate

AER*

Open
with

Account
management

Withdrawals

35 -Day Notice

Issue

11

Advertised AER Gross/Variable

5.12%

Minimum deposit £500

Maximum balance £1m

Online only

Withdrawals subject to specified notice period.

95 -Day Notice

Issue

11

Advertised AER Gross/Variable

5.15%

Minimum deposit £500

Maximum balance £1m

Online only

Withdrawals subject to specified notice period.

120 - Day Notice

Issue

11

Advertised AER Gross/Variable

5.20%

Minimum deposit £500

Maximum balance £1m

Online only

Withdrawals subject to specified notice period.

ISA Accounts

Product

Interest rate

AER*

Open with

Account management

Withdrawals

Online ISA

(Issue 45)

4.90% tax-free/AER variable

For accounts opened on and after 4:00pm Friday, 12 April 2024.

£1

Online only

Unlimited without notice

No penalty fees

Cash ISA

Variable rate

Loyalty**

1.00% AER/Tax-Free/Variable

Advertised

1.00% AER/Tax-Free/Varible

Minimum deposit £500

By Post

Online

Unlimited without notice

No penalty fees

Cash ISA

1 year fixed term

Loyalty**

4.71% AER/Tax-Free/Fixed Rate

Advertised

4.70% AER/Tax-Free/Fixed Rate

Minimum deposit £500

By Post

Online

Fee-free withdrawals at the end of fixed term.

Cash ISA

2 years fixed term

Loyalty**

4.41% AER/Tax-Free/Fixed Rate

Advertised

4.40% AER/Tax-Free/Fixed Rate

Minimum deposit £500

By Post

Online

Fee-free withdrawals at the end of fixed term.

Cash ISA

3 years fixed term

Loyalty**

4.01% AER/Tax-Free/Fixed Rate


Advertised

4.00% AER/Tax-Free/Fixed Rate

Minimum deposit £500

Online

Fee-free withdrawals at the end of fixed term.

Fixed Accounts

Product

Interest Rate

AER*

Open with

Account Management

Withdrawals

Fixed Rate Bond

6 months

Loyalty rates** (for Bond accounts opened before March 2022)

5.13% AER/Fixed Rate

Advertised rates (for Bond accounts opened from 4.00pm, 20 December 2023)

5.12% AER/Fixed Rate

Minimum deposit £1,000

Online

Withdrawals are not permitted before the end of the term.

Fixed Rate Bond

1 year

Loyalty rates** (for Bond accounts opened before March 2022)

4.96% AER/Gross/Fixed Rate

Advertised rates (for Bond accounts opened from 4.00pm, 20 December 2023)

4.95% AER/Gross/Fixed Rate

Minimum deposit £1,000

Online

Withdrawals are not permitted before the end of the term.

Fixed Rate Bond

15 months

Loyalty rates** (for Bond accounts opened before March 2022)

4.86% AER/Gross/Fixed Rate

Advertised rates (for Bond accounts opened from 4.00pm, 20 December 2023)

4.85% AER/Gross/Fixed Rate

Minimum deposit £1,000

Online

Withdrawals are not permitted before the end of the term.

Fixed Rate Bond

18 months

Loyalty rates** (for Bond accounts opened before March 2022)

4.81% AER/Gross/Fixed Rate

Advertised rates (for Bond accounts opened from 4.00pm, 20 December 2023)

4.80% AER/Gross/Fixed Rate

Minimum deposit £1,000

Online

Withdrawals are not permitted before the end of the term.

Fixed Rate Bond

2 years

Loyalty rates** (for Bond accounts opened before March 2022)

4.76% AER/Gross/Fixed Rate

Advertised rates (for Bond accounts opened from 4.00pm, 20 December 2023)

4.75% AER/Gross/Fixed Rate

Minimum deposit £1,000

Online

Withdrawals are not permitted before the end of the term.

Fixed Rate Bond

3 years

Loyalty rates** (for Bond accounts opened before March 2022)

4.41% AER/Gross/Fixed Rate

Advertised rates (for Bond accounts opened from 4.00pm, 20 December 2023)

4.40% AER/Gross/Fixed Rate

Minimum deposit £1,000

Online

Withdrawals are not permitted before the end of the term.

Fixed Rate Bond

4 years

Loyalty rates** (for Bond accounts opened before March 2022)

4.21% AER/Gross/Fixed Rate

Advertised rates (for Bond accounts opened from 4.00pm, 20 December 2023)

4.20% AER/Gross/Fixed Rate

Minimum deposit £1,000

Online

Withdrawals are not permitted before the end of the term.

Fixed Rate Bond

5 years

Loyalty rates** (for Bond accounts opened before March 2022)

4.01% AER/Gross/Fixed Rate

Advertised rates (for Bond accounts opened from 4.00pm, 20 December 2023)

4.00% AER/Gross/Fixed Rate

Minimum deposit £1,000

Online

Withdrawals are not permitted before the end of the term.

To protect you and as part of our legal account opening obligations, we are required to identify all account holders before we can open an account. Find out more.

*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. Interest will be paid without deduction of tax. The tax treatment and the rate of interest payable depend on individual circumstances and may be subject to change in the future. Individuals may have tax to pay on any interest received that exceeds their Personal Savings Allowance. Further information on the Personal Savings Allowance can be found at www.gov.uk .

**Loyalty rates are applicable as follows:
• For Fixed Rate Bonds on maturity when you reinvest.
• For Cash ISA accounts, if you have been a Cynergy Bank customer for six months or more, you will automatically receive our loyalty rates when you deposit or reinvest in an eligible product which can be found here.

Ways you can contact us

Icon. Telephone.

Phone us

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

Ways you can contact us

Icon. Telephone.

Phone us

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