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Online Easy Access Account 4.85% AER*

Grow your savings and enjoy unlimited free withdrawals. Rate includes 1.10% AER* bonus for the first 12 months.

Open a Cynergy Bank Online Easy Access Account (Issue 76**) for just £1 to start earning a competitive 4.85% interest rate.

Start growing your savings with 4.85% AER* variable (4.85% gross p.a.) interest paid for the first 12 months, reverting to 3.75% AER* after that. You can also access your money at any time, with unlimited, free withdrawals.

Start growing your savings


Bank with the 'Best Online Savings Provider' as judged at the Personal Finance Awards 2023/24. Read more

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FSCS protection

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

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4.85% AER* variable

4.85% AER*/Gross/Variable for first 12 months, paid annually. Reverts to 3.75% after 12 months.

Is Online Easy Access Account suitable for you?

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Savers that wish to access their money at any time.

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Savers wishing to make unlimited withdrawals for free.

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Online Easy Access Account is NOT SUITABLE for people seeking a long-term investment at a fixed interest rate.

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Online Easy Access Account is NOT SUITABLE for savers who are unable to use Online Banking.

Apply in minutes

Before applying

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

To open an account online, you need to be:

  • A personal banking customer;

  • 18 years old or over; and

  • A UK resident.

You will need:

  • Your mobile phone number and email address

  • Details of a UK current account in the name(s). This will be your 'nominated account' - all withdrawals will be paid to this account.

  • The minimum initial deposit is £1 and you can deposit up to £1 million in this account.

    It’s important we receive your initial deposit within 14 days from opening the account online.

Existing customers

If you're already a Cynergy Bank customer, you can open an Online Easy Access Account using our quick and easy Fast Track Apply in Online Banking.

Please read the important information below before applying:

Apply for Online Easy Access Account

Online Easy Access Account terms and conditions

Download and read

Start your application now

Apply now

Summary Box for Online Easy Access Account

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.

** Issue 76 is the latest Issue offered by Cynergy Bank. The interest rates on different issues can vary—both upwards and downwards. Our latest Issue rate will always be displayed on this page and may be different to the rate on the product you hold.

Ways you can contact us

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Phone us

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