Write a review

Cynergy Bank: Personal Savings reviews

Name: Personal Savings
Rating: 3.6 (15 reviews)

View other Cynergy Bank products

3.37

Based on 15 reviews, last reviewed 2nd Apr 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

27%

46%

2 star

20%

Latest highest rating:

4

Could award more had they not reduced cash ISA rates... Could award more had they not reduced cash ISA rates so much. Reviewed on: 2nd April 2025

Latest lowest rating:

1

Use cynergy bank at your peril I could not access my account online due to their ridiculous security system and I was locked out. I rang customer service and went through security q... Read more Reviewed on: 28th November 2024

Read all reviews See your review

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.

Cynergy Bank Personal Savings reviews (15)

Review of the Cynergy Bank, Personal Savings:

Easy to Use

Easy to Use, but can sometimes take too long for transfers to show Reviewed on: 24th May 2024

Could award more had they not reduced cash ISA rates...

Could award more had they not reduced cash ISA rates so much. Reviewed on: 2nd April 2025

Cybergy bank Cash ISA

Cybergy bank has a slightly outdated login system, using a separate camera verification app rather than two-factor, which has lessened its appeal. The website itself is functional but not very user friendly and can have you struggling to access the information you need. Reviewed on: 21st February 2025

Use cynergy bank at your peril

I could not access my account online due to their ridiculous security system and I was locked out. I rang customer service and went through security questions and was told I had failed security questions and to go away and rethink my answers. Finally managed to access my account on the third phone call after having to go through three lots of security hoops with customer services Reviewed on: 28th November 2024

Good all rounder with no hassle

I find that they are very competitive. I've used multiple accounts with this bank. Once you have the app it's so easy to change your account to a better one think I changed my savings one around 15 times when the interest rates were going up. They may not be at the top of the tables but there not far off it. Was going to use them as 1 of my ISA'S is maturing this month but my worry is I'd be over the 85k protection so will have to look around. Reviewed on: 5th September 2024

Dreadful bank! Think twice

Dreadful bank! I lost a house purchase because I had over £900,000 in a savings account and I asked them to close it and weeks LATER after about 15 emails and numerous phone calls, was told there had been a computer glitch - SERIOUSLY! Reviewed on: 24th May 2024

authenticator app.

Spoke with Khalid as having problems with authenticator app he was polite efficient and friendly and resolved the issue Reviewed on: 20th May 2024

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

Do you have a different Cynergy Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Savings
from National Counties Building Society 3.96 from 6 reviews
Savings
from London Mutual Credit Union 4.83 from 236 reviews
Online Saver Plus
from Triodos Bank 4.94 from 383 reviews

There's still more to see!

Cynergy Bank has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub