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Cynergy Bank: Personal savings reviews

Name: Personal savings
Rating: 4.71 (217 reviews)

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4.71

Based on 217 reviews, last reviewed 30th May 2026

2783% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

84%

11%

2 star

Latest highest rating:

4

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

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 (217)

Easy Banking without Confusion

I find that internet banking with Cynergy is very easy-no complex language leaving me wondering what they want me to agree to, simple processes that I can easily follow, and everything done and set up without me twiddling my thumbs with frustration. Reviewed on: 23rd March 2026

Good rates, good online services

Cynergy often have excellent savings rates available, whether for ISAs, fixed term deposits or easy access accounts. The website and app are both simple to use and provide everything you need to know about your accounts in a clear format. Reviewed on: 23rd March 2026

Easy app to use and excellent tate

Easy app to use and excellent tate Reviewed on: 23rd March 2026

Communicate well, easy to manage the account

Communicate well, easy to manage the account Reviewed on: 23rd March 2026

Savings review

No problems at all, good rates on savings with very good website and very good customer service Reviewed on: 23rd March 2026

Great experience with Cynergy Ban...

We have had a very happy experience with Cynergy Bank, I was bit nervous at first as I'll be honest, I'd never heard of them but they have been great, answered all quotations quickly and professionally. We are very pleased with our experience so far. Reviewed on: 23rd March 2026

Good but keep an eye on easy access rates

A good online bank offering with both easy access and fixed accounts offered. Rates can be market leading at times but then fall back when the banks funding targets are met (what a surprise). The main complaint I have is that easy access accounts are offered in issues and if a new issue has a higher interest rate than the one you have you have to spot this by checking the website and move the money to the new issue yourself. It would be better to be told when a higher rate is offered in a new issue or even that a new issue is out and the rate it offers so you can decide what to do. This would reduce their profit but improve the customer view of the bank (at least for me). This is why my review is not 5 star as I find the bank not giving information to make it easier to move to higher easy access rates annoying. One interesting point is that if you open more than 14 easy access account the system goes back and reuses the first account number you had, so that you have two accounts over different time periods with the same account number. Not the end of the world but you need to be aware that if you have gone round the account numbers then an account number may actually cover separate 'accounts' that were opened and closed on different dates and that you can see statements for all these accounts under one account number. If you are aware of this it becomes much easier to work out what each statement covers. Reviewed on: 23rd March 2026

Easy Savings

I have had a savings account with Cynergy for some years now and have found it to be very easy to manage on line with a good interest rate. Reviewed on: 23rd March 2026

Whilst I have had no one to one contact with the ban...

Whilst I have had no one to one contact with the bank, their online banking services have been excellent. the rate of interest is better than others and the extent of good communication is commendable. Making transaction on line are very easy and prompt. This ofcourse compares equal to other banks. Reviewed on: 23rd March 2026

Many years of exemplary service

I have had savings accounts with Cynergy Bank since a few years before their name change from Bank of Cyprus. They have maintained competitive interest rates in that time, so there has been little need to look elsewhere. Cynergy has always been responsive to customer feedback, improving their login security in a way that is effective yet convenient, for example. Reviewed on: 23rd March 2026

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