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Cynergy Bank: Personal savings reviews

Name: Personal savings
Rating: 4.71 (218 reviews)

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4.71

Based on 218 reviews, last reviewed 11th Jun 2026

32% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

84%

11%

2 star

Latest highest rating:

5

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 ... Read more Reviewed on: 11th June 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 (218)

MOST DEFINITELY DON'T BOTHER

MOST DEFINITELY DON'T BOTHER Most definitely don't bother with this bank. Reviewed on: 19th April 2024

Market leader but could be more helpful

Cynergy always have market leading interest rates and bonuses on their savings accounts. They could make it easier for their loyal customers by alerting them when new accounts with better interest rates are available. It's time consuming having to keep checking and then having to open a new account and close the previous one to get the best rates. Reviewed on: 15th February 2024

Best for competitive interest rate

Efficient service, easy to operate savings account, good interest rate fixed for 1 year Reviewed on: 14th July 2023

Great rates and great service!

It is very easy to apply for Cynergy's Online Easy Access and Online ISA accounts. The rates are great and recently have been increasing constantly. To make it easy to get the higher rates as they become available they operate a very simple Fast Track Apply system for established customers. I am happy to recommend Cynergy 100% and trust they will keep doing what they are doing so well! Reviewed on: 3rd June 2023

Pretty Good

Always has great savings rates, though it is frustrating that you have to constantly reapply and open new accounts to get them! Customer service is a bit unreliable. Reviewed on: 11th April 2023

ISA

It was very quick and easy to set up my ISA Reviewed on: 30th March 2023

EASY ACCESS WITH HIGHER RATE

This banks easy access accounts are always better than other banks. Reviewed on: 11th March 2023

Great security measures

Love the authenticator app for security purposes Reviewed on: 12th January 2023

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