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Meet the Finance Team
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Meet the Business Banking Team
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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?

When will my account be opened?

Where can I find my account number and sort code?

Can I open more than one Fixed Rate Bond?

Can I open a Fixed Rate Bond in joint names?

Fixed Rate Bond: Payments to your Account

What is a funding window?

Can I cancel my Fixed Rate Bond?

How do I fund my Fixed Rate Bond?

Can I pay into my account more than once?

How will I know when my funds have been received?

Can I withdraw money during the first 14 days?

Can I withdraw money after the first 14 days?

Fixed Rate Bond: How to manage my Fixed Rate Bond

How do I log in once my account is open?

I forgot my Online Banking login details. What should I do?

I forgot my account number or sort code. What should I do?

What is the Faster Payments?

What is CHAPS?

What is a nominated account?

How do I change my nominated account?

Can I use a joint account as my 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: Bond Maturity

What happens at maturity of my Fixed Rate Bond?

What are loyalty rates?

What happens if the renewal rate goes up after I’ve received my notice?

What does auto-renew mean?

How do I update my auto-renew preference?

How do I change the term of my renewed bond?

How do I withdraw or transfer funds after maturity?

My bond has auto-renewed – can I still close it?

My Fixed Rate Bond has matured into a variable rate. Can I reinvest this?

Where can I find my bond statements and documents?

Can I call to change my maturity instructions?

When’s the latest I can change my maturity instructions?

Fixed Rate Bond: Complaints and other questions

How safe 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.


Contact us

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

Customer Service telephone opening hours
9.00am – 6.00pm Monday to Friday

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Modern Slavery Statement

Read our statement, financial year ending 2025

©Cynergy Bank plc 2026.

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