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Taking your security seriously

Security and fraud

How we're making banking safe for our customers, information, tips and resources to help you avoid falling victim to fraud and/or scams.

Visa Secure (formerly know as Verified by Visa) is a simple, and secure way, to protect your online purchases, at participating retailers.

Your Cynergy Bank Visa debit card is automatically registered for the service, which gives you peace of mind, when shopping online.

When using Visa Secure:

  • Shop online as usual, visit the checkout, and enter your card details, to make the payment

  • If the website uses Visa Secure, a message will appear, and tell you that Cynergy Bank is asking for your One-Time Passcode (OTP)

  • Enter the OTP, which will be sent by text message to your registered mobile phone, and click ‘submit’, to confirm your identity. If you do not have a mobile phone number registered for Verified by Visa, contact us to register your mobile phone number. 

  • If you do not receive your OTP, or encounter other problems, the Verified by Visa message tells you what to do next.

Ways you can contact us

Secure message

Send us a secure message by logging into .

Email us

using our online form.

Phone us

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

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Contact us

Email us (via our online form)
Click here for our online form

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

More ways to contact us

Modern Slavery Statement

Read our statement, financial year ending 2023

©Cynergy Bank plc 2025.

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 £85,000 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 and subscribes to the Standards of Lending Practice published by the Lending Standards Board which covers good practice in relation to loans, overdrafts and other types of lending that we do not currently offer.

BSI ISO 22301 Business Continuity Management badge (BCMS579919) - BLUE
BSI ISO/IEC 27001 Information Security Management badge (IS 568376) - BLUE