Personal Current Account

Personal Current Account (previously known as Online Personal Current Account) enables you to manage your money any time of the day or night, via your smartphone* and online banking.

• Make payments using your Visa debit card with contactless technology.

• Pay bills and make payments to other UK bank accounts free of charge and cheque-free.

• Receive your balance by text for free, on demand or weekly.

• Transfer money instantly between your Cynergy Bank accounts and/or to other Cynergy Bank customers.

• View your statements online 24 hours a day, download and print them at your convenience.

• SEPA Credit Transfers (SCT) facility for quicker, cheaper payments within the Eurozone.

• For information about our Personal Current Account in Euros, click here.

* Your mobile phone service provider may charge you for text messages and internet browsing. If you are not sure please check with them.

Apply online in minutes

You can apply for an Personal Current Account in pounds** if you are:

• A UK resident—please read our identification requirements for UK residents; and

• 18 years of age or over.

You will need to provide an acceptable form of identification, either:

• Original passport; or

• Original photocard driving licence; or

• A copy of either of the above documents certified as a true copy of the original by your current UK bankers, a solicitor or accountant.

Following the submission of your application you will receive an email with a link requesting you to complete identification verification. Please follow this link and submit the relevant document within 14 days.

We will not be able to proceed with your application if you do not meet these requirements within 14 days of submitting your online application.

Please read before applying:

• Personal Current Account Terms and Conditions (Word Doc)

• Personal Current Account Fee Information Document (Sterling) (PDF)

• Personal Current Account FAQs

• Cynergy Bank Privacy Policy

Also note:

* Your mobile phone service provider may charge you for text messages and internet browsing. If you are not sure please check with them.

** By submitting an online application, each applicant agrees for us to make enquiries at credit reference and fraud prevention agencies. We reserve the right to refuse an application based on the result of these enquiries.

Variable rates can be increased or decreased. For material interest rate changes that are not to your advantage, we will notify you two months before the change takes effect.