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Interest and Foreign Exchange Rates

The rates displayed are for new applications. Existing customers can see their rates by logging into Online Banking or by telephoning us.

Online ISA

For accounts opened on and after 4.00pm on Friday, 3 May 2024.

Pounds Sterling

Tax-free/ AER Variable

All Balances

4.82%

Online Notice Saver

35-Day Notice rate effective after 4:30 PM on Tuesday, 21 May2024
95-Day Notice rate effective after 4:30 PM on Tuesday, 21 May2024
120-Day Notice rate effective after 4:30 PM on Tuesday, 21 May2024

Notice Period

Advertised rates Gross

Advertised rates AER

35 Day Notice Period

4.91%

4.91%

95 Day Notice Period

4.92%

4.92%

120 Day Notice Period

4.93%

4.93%

Online Easy Access Account

For accounts opened on and after 4.00pm, Friday, 24 May 2024.

Pounds sterling

AER/Gross
variable

All balances
Interest rate with bonus for the first 12 months

4.85%

All balances
Interest rate without bonus

3.75%

Fixed Rate Bonds - UK Personal

Advertised rates (for Bond accounts opened from 4.00pm on Friday, 24 May 2024)

Term

Advertised rates Fixed

AER

Advertised rates Fixed

Gross

6 months

4.86%

4.79%

1 year

4.90%

4.95%

15 months

4.85%

4.85%

18 months

4.80%

4.80%

2 years

4.75%

4.75%

3 years

4.40%

4.40%

4 years

4.20%

4.20%

5 years

4.00%

4.00%

Variable rate

1.00%

1.00%

Interest is calculated daily, beginning on the first Working Day following account opening, based on the cleared balance in your account. Interest is paid annually and is added to the account balance.

You will receive the loyalty rate upon maturity of your Fixed Rate Bond when you reinvest.

Term

Loyalty rates Fixed

AER

Loyalty rates Fixed

Gross

6 months

4.87%

4.80%

1 year

4.96%

4.96%

15 months

4.86%

4.86%

18 months

4.81%

4.81%

2 years

4.76%

4.76%

3 years

4.41%

4.41%

4 years

4.21%

4.21%

5 years

4.01%

4.01%

Variable rate

1.00%

1.00%

Interest is calculated daily, beginning on the first Working Day following account opening, based on the cleared balance in your account. Interest is paid annually and is added to the account balance.

Fixed Rate Bonds - UK Business

If you have been a Cynergy Bank customer for six months or more, you will automatically receive our loyalty rates when you deposit or reinvest in an eligible product.

Available only to existing Fixed Rate Bond holders rolling over on maturity.

Term

Loyalty rates Fixed

Gross

Loyalty rates Fixed

AER

9 months

0.01%

0.01%

1 year

0.10%

0.10%

15 months

0.10%

0.10%

18 months

0.10%

0.10%

2 years

0.10%

0.10%

3 years

0.10%

0.10%

Fixed Rate Bonds - International Personal

Available only to existing Fixed Rate Bond holders rolling over on maturity.

Term

Loyalty rates Fixed

Gross

Loyalty rates Fixed

AER

9 months

0.01%

0.01%

1 year

0.01%

0.01%

15 months

0.01%

0.01%

18 months

0.01%

0.01%

2 years

0.01%

0.01%

3 years

0.01%

0.01%

Fixed Rate Bonds - International Personal

Available only to existing Fixed Rate Bond holders rolling over on maturity.

Term

Loyalty rates Fixed

Gross

Loyalty rates Fixed

AER

3 years

0.01%

0.01%

2 years

0.01%

0.01%

18 months

0.01%

0.01%

15 months

0.01%

0.01%

1 year

0.01%

0.01%

9 months

0.01%

0.01%

Fixed Rate Bonds - International Business

Available only to existing Fixed Rate Bond holders rolling over on maturity.

Term

Loyalty rates Fixed

Gross

Loyalty rates Fixed

AER

3 years

0.10%

0.10%

2 years

0.10%

0.10%

18 months

0.10%

0.10%

15 months

0.10%

0.10%

1 year

0.10%

0.10%

9 months

0.01%

0.01%

FlexiBond - UK Personal

Available only to existing FlexiBond holders rolling over on maturity.

Term

Loyalty rates Fixed

Gross

Loyalty rates Fixed

AER

1 year

0.10%

0.10%

FlexiBond - International Personal

Available only to existing FlexiBond holders rolling over on maturity.

Term

Loyalty rates Fixed

Gross

Loyalty rates Fixed

AER

1 year

0.01%

0.01%

Business FlexiBond - UK Business

Available only to existing FlexiBond holders rolling over on maturity.

Term

Loyalty rates Fixed

Gross

Loyalty rates Fixed

AER

Advertised rates Fixed

Gross

Advertised rates Fixed

AER

1 year

0.01%

0.01%

N/A

N/A

Business FlexiBond - International Business

Available only to existing FlexiBond holders rolling over on maturity.

Term

Loyalty rates Fixed

Gross

Loyalty rates Fixed

AER

1 year

0.01%

0.01%

Cash ISA - Fixed and Variable Rate

If you have been a Cynergy Bank customer for six months or more, you will automatically receive our loyalty rates when you deposit or reinvest in an eligible product.

Term

Loyalty Rates Tax-free

Loyalty Rates AER

Advertised Rates Tax-free

Advertised Rates AER

Fixed Rate

1 Year

4.61%

4.61%

4.60%

4.60%

2 Years

4.41%

4.41%

4.40%

4.40%

3 Years

4.01%

4.01%

4.00%

4.00%

Variable Rate

N/A

1.00%

1.00%%

1.00%

1.00

Business Saver

For accounts opened on and after 4.00pm on Tuesday 23 January 2024.

Advertised Rates - Variable Gross

Advertised Rates - Variable AER

3.93%

4.00%

Interest is calculated daily and paid monthly. Interest is added to the account balance.

Cynergy Business Current Account

Credit balance

Advertised Rates - Variable

Gross

Advertised Rates - Variable

AER

Up to and including £25,000

2.47%


2.50%

Over £25,000

0.25%

0.25%

Interest is calculated daily and paid monthly. Interest is added to the account balance.

Interest rates are subject to change.

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. Interest will be paid without the deduction of tax. Individuals may have to pay tax on any interest received that exceeds their Personal Savings Allowance. Further information on the Personal Savings Allowance can be found at www.gov.uk/ .

Ways you can contact us

Icon. Telephone.

Phone us

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