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Our Online ISA 4.87%

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 4.87% AER*/Tax-Free/Variable while offering easy-access withdrawals 24 hours a day, seven days a week.

Why choose Cynergy Bank's Online ISA?


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

4.87% AER* / Tax-free / Variable

Financial Services Compensation Scheme (FSCS) logo


Eligible deposits are protected up to a total of £85,000 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 only transfer in ISA's at the time you open your account

  • 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:

  • A personal banking customer;

  • 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 read

Start your Online ISA application

Apply now

Summary Box for Online ISA

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

Phone us

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

Email us

using our online form.

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