
Our Online ISA 4.05% AER*
Online ISA
Our Online ISA offers a competitive tax-free savings rate and easy access withdrawals 24/7. Open with £1 and transfers-in are accepted at time of application.
Open with £1, Online ISA () pays % AER*/Tax-Free/Variable while offering easy-access withdrawals 24 hours a day, seven days a week.
Why choose Cynergy Bank's Online ISA?
Award-winning
Bank with the 'Best Online Savings Provider' as judged at the Personal Finance Awards 2023/24.
% AER* / Tax-free / Variable
% AER* Tax-free on the one year Online ISA term. Scroll down for other terms and rates, including loyalty rates for existing customers.
FSCS-protected
Eligible deposits are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.
Is Online ISA suitable for you?
You want access to your money at any time.
If you pay tax on your savings.
Online ISA is not suitable if you are not able to use Online Banking.
Online ISA may not be suitable if you want to withdraw and reinvest in the same tax year.
Things to consider before you apply
You can choose to complete an ISA transfer on application. Current year subscriptions must be transferred in full, previous year subscriptions can be partial or full transfers.
You can transfer in previous year subscriptions once account is opened in online banking.
This is not a flexible ISA. Any money you withdraw in a tax year cannot be replaced.
Apply in minutes
Before applying
Please read the along with the before applying.
To open an account online, you need to be:
18 years old or over; and
A UK resident for tax purposes.
You will need:
National Insurance Number
Your mobile phone number and email address
A deposit between £1 and £20,000 for a new investment, or £1 and upwards for a transfer using the ISA transfer in process.
Existing customers
If you're already a Cynergy Bank customer you can open an Online ISA using our quick and easy Fast Track Apply in .
Please read the important information below before applying:
. Important: the information in the Summary Box is not intended to be a substitute for reading the Terms and Conditions.
Cynergy Bank's
Apply for Online ISA
Online ISA terms and conditions
Download and readStart your Online ISA application
Apply nowSummary Box for Online ISA
What is Online ISA interest rate?
Can Cynergy Bank change the interest rate?
What would the estimated balance be after 12 months, based on a £1,000 deposit?
How do I open and manage my account?
Can I withdraw money?
Additional information
Notes and definitions
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.
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 from the rate on the product you hold.
Ways you can contact us
Email us
using our online form.
