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Cynergy Bank: Personal savings reviews

Name: Personal savings
Rating: 4.70 (220 reviews)

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4.70

Based on 220 reviews, last reviewed 13th Oct 2026

94% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

85%

10%

2 star

Latest highest rating:

5

Cynergy Bank is Extremely Flexible Cynergy bank has always made it very easy to open new savings accounts that pay higher interest rate and close & transfer the full balance + interest ... Read more Reviewed on: 13th October 2026

Latest lowest rating:

1

Avoid this bank Despite my Cynergy fixed term bond having expired almost 3 weeks ago, I've still to receive the interest I am due. Cynergy have given no explanation f... Read more Reviewed on: 30th May 2026

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About this product

Cynergy Bank have a range of savings accounts.

Customers can choose from easy accounts that can be opened with just £1, fixed rate savings accounts or notice accounts. Cynergy savings accounts can only be managed online.

Cynergy Bank reviews help you find out what it’s really like to be a customer. If you’ve used Cynergy before, you can also leave a review and share your experience.

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Cynergy Bank Personal savings reviews (220)

Cynergy Bank is Extremely Flexible

Cynergy bank has always made it very easy to open new savings accounts that pay higher interest rate and close & transfer the full balance + interest from lower interest rate accounts. All that usually takes less than 10 minutes. Reviewed on: 13th October 2026

Product recommendation

received email from cynergy making me aware that my current savings account could be changed to one with a higher interest rate...good service and earns me a little more Reviewed on: 3rd September 2026

Cynergy reward loyalty.

Cynergy reward loyalty. Although it took a while to get their banking app user friendly. They’ve now got it together to enable customers to bank with confidence. Well done Cynergy Reviewed on: 11th June 2026

Avoid this bank

Despite my Cynergy fixed term bond having expired almost 3 weeks ago, I've still to receive the interest I am due. Cynergy have given no explanation for the delay. I've been told on 3 occasions the issue has been "escalated to a bond manager" but this has made no difference at all. I've received no contact from Cynergy and have had to do all the running. This is despite having lodged a formal complaint. I've been surprised to see multiple positive reviews of Cynergy on this platform. My experience of them has been awful. Avoid this bank. Reviewed on: 30th May 2026

Every time i have had a query it has been dealt with...

Every time i have had a query it has been dealt with in a very professional manner. So far so good. Reviewed on: 20th April 2026

Competitive Rates & Great Customer Service

I have been with Cynergy bank for a number of years and I have always been treated fairly. Whenever the Bank issued a higher paying interest rate, I have been able to switch into the latest Issue and benefited from the higher interest rate. Additionally, whenever I have I contacted the customer support team, I was treated with care and they ensured that my queries were answered in full and that I was happy with the answers and service. Reviewed on: 20th April 2026

Competitive rates and simple to open an account online

Competitive rates and simple to open an account online Reviewed on: 20th April 2026

Helpful knowledgeable staff who provide good service.

Helpful knowledgeable staff who provide good service. have no complains Reviewed on: 20th April 2026

Decent online bank.

Decent online bank. Reasonably competitive savings rates. Moving money etc farly straightforwards Reviewed on: 20th April 2026

Really easy to use app and website.

Really easy to use app and website. Great rate on the easy access savings. Transfers between this and my current account held with a different provider are speedy and reliable. Easy to transfer to a new issue at a better rate. Reviewed on: 19th April 2026

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