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Accessibility

Fixed Rate Bond: Applying for a new Fixed Rate Bond

Am I eligible to open a Fixed Rate Bond?

I’m already a Cynergy Bank customer. How do I apply for a Fixed Rate Bond?

Once I have submitted my application when will my Fixed Rate Bond be opened?

Where can I find my sort code and account number for my account?

What’s the minimum initial deposit for Fixed Rate Bond?

I already have a Fixed Rate Bond can I open another one with you?

Can I open a Fixed Rate Bond in joint names?

Fixed Rate Bond: Payments to your Account

How long do I have to fund my account?

What is a funding window?

How long do I have to cancel my Fixed Rate Bond if I change my mind?

How do I make payments to my Fixed Rate Bond?

How many times can I add money to my account?

What happens if I make a payment to my Fixed Rate Bond after the funding window closes?

How will I know when my funds are received?

Can I withdraw money from my account within the first 14 days?

Can I withdraw money from my account after the initial 14 days?

Fixed Rate Bond: How to manage my Fixed Rate Bond

How do I log in once my account is open?

How do I access Online Banking?

I have lost/forgotten my Online Banking log in details. What do I do?

I have lost/forgotten my account details (account number/sort code) what do I do?

What is the Faster Payments Service?

What is CHAPS?

What is a nominated account?

How do I change my nominated account?

Can I use a joint account as my linked nominated account?

Are you able to assist me over the phone?

How do I update my personal details?

How do I close my Fixed Rate Bond?

Fixed Rate Bond: Interest paid on my Fixed Rate Bond

When do I receive interest on my Fixed Rate Bond?

Can the interest rate on my Fixed Rate Bond change?

Fixed Rate Bond: Bond Maturity

What happens at maturity of my Fixed Rate Bond?

What are loyalty rates?

What happens if the Fixed Rate Bond interest rate increases after I have received the renewal notice and been advised of the interest rate at renewal?

I’ve selected the option to auto renew my Fixed Rate Bond, what does this mean?

How do I amend my auto renew preference on my Fixed Rate Bond?

How do I update the term on my Fixed Rate Bond?

How do I withdraw/transfer the funds from the Fixed Rate Bond?

My Fixed Rate Bond has renewed however I wish to withdraw/transfer the funds and close the Bond instead?

How do I add additional funds to my renewed Fixed Rate Bond?

My Fixed Rate Bond has matured and is now in the variable rate, but I would like to fix this - how can I do this?

My Fixed Rate Bond has renewed, and I wish to make a partial fund withdrawal? / Can I renew my Fixed Rate Bond with a partial amount?

How do I view my statements and documents on Online Banking?

Can I phone up to amend my maturity instructions?

When can I amend my maturity instructions until?

Fixed Rate Bond: Complaints and other questions

How secure are my savings with Cynergy Bank?

How do I make a complaint, about my Fixed Rate Bond?

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Cynergy Bank plc. Registered in England and Wales: 04728421.
Registered office: 4th Floor, One New Change, London EC4M 9AF.
Correspondence address: PO Box 80030, London EC4P 4NG.

Cynergy Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Asset Based Lending is exempt from regulation by the Financial Conduct Authority and the Prudential Regulation Authority. Our main business is the provision of financial services under registration number no. 575105. Cynergy Bank and the curve logo are registered trademarks.

Eligible deposits with Cynergy Bank plc are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Any deposits you hold above the protected limit are unlikely to be covered. Further information is available here or at https://www.fscs.org.uk/.

For free and impartial advice, set up by the government, click here.

Cynergy Bank plc is a member of UK Finance.


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0345 850 5555 or +44 20 3375 6422 (if calling from abroad). Calls may be recorded for monitoring and training.

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Read our statement, financial year ending 2025

©Cynergy Bank plc 2026.

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