Personal Current Account in Euros

Our Personal Current Account in Euros, gives you everything you need to manage your money, quickly and simply. It’s available to UK residents only.

Apply online

  • A Personal Current Account in euros is a convenient way of managing your money if you have income or expenses in euros.  It’s particularly suitable if you work, travel regularly or own a holiday home within any of the Eurozone countries.
  • Euro debit card – helps eliminate the risk of currency exchange fluctuations from your euro payments. Card can only be used to withdraw cash at ATMs or make payments in countries where Euro is the primary currency.
  • Manage your account any time of the day or night via your computer or an internet-enabled mobile phone* via our Online Banking service.
  • 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 24 hours a day and download and print them at your convenience.
  • SEPA Credit Transfers (SCT) facility for quicker, cheaper payments within the Eurozone.
  • The Fee Information document provides information relating to the charges on this account.
  • We have a number of measures to ensure banking online with Cynergy Bank is safe and efficient. Read our Security section and download for free IBM Security Trusteer Rapport software.
  • Most eligible deposits are protected up to £85,000 by the UK Financial Services Compensation Scheme.
  • Accounts can be funded in Euro’s from an external account (GBP Faster payments are excluded) or via FX transfer from a Cynergy Bank Current account.

Please read before applying.

Published by the European Commission. Details on PSD2, security in your payments and your benefits and rights as a consumer.

This document informs you about the limits for using the main services offered under the Personal Current Account.

You can apply for a Personal Current Account in euros if you are:

  • A UK resident and are 18 years of age or over.

Please read the documents below before you apply:

     Personal Current Account Conditions (effective 1 April 2020)

     Personal Current Account Fee Information Document in Euros

Opening requirements

UK residents

1. 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.

2. You’ll need to provide an acceptable form of identification, either:

a. Original passport
b. 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.

Please send your certified form of identification to the address below, making sure that you quote your name and application reference number on any copy documents you send in

Customer Service
Cynergy Bank Limited
PO Box 80030
London EC4P 4NG

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.

Apply online

Please click here for important information about overdrafts and bank charges.

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


You have the security of knowing your eligible deposits are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

Looking for a better deal?

If you can put your money away for one year or more, you could earn a better rate on your savings. Find out more about our Fixed Rate Bonds.