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Cynergy Bank

Illustrative reference data — not personal financial advice. Verify rates and fees on the provider’s own pages before acting.

Online-only bank. Online Easy Access 2.15% AER standard (4.15% incl. 2.00% bonus for the first 12 months). Online ISA 4.15% AER. Fixed-rate 1-year 4.35% (min £1,000). FSCS deposit cover £120k (from 1 Dec 2025).

Products tracked

What works
  • Cash ISA at 4.15% AER with no disclosed bonus condition
  • Online-only — fast account opening
  • FSCS-protected
What to watch
  • Easy-access headline 4.15% is bonus-inclusive — the standard rate after the first 12 months is 2.15%

FSCSFinancial Services Compensation SchemeUK government-backed protection if a firm fails. Cash deposits at an authorised bank or building society are covered up to £120,000 per person, per banking group (raised from £85,000 on 1 December 2025). Investments at an authorised platform are covered up to £85,000 — a separate scheme. NS&I sits outside FSCS with 100% HM Treasury backing. protection

FSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).

FSCS deposit cover is per banking licence (not per brand). Lloyds Banking Group includes Lloyds, Halifax, Bank of Scotland, and Birmingham Midshires — all share one £120,000 cap. Investment platforms run on a separate FSCS scheme capped at £85,000. NS&I sits outside FSCS with 100% HM Treasury backing. Spreading large balances across separate licences preserves coverage.

Source · last verified 18 Aug 2026
https://www.cynergybank.co.uk/personal/savings/ →

Online Easy Access 2.15% AER standard; 4.15% incl. 2.00% AER bonus for the first 12 months. Online ISA 4.15% AER (no bonus disclosed). 1 Year Fixed Rate Bond 4.35% AER (min £1,000).

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Reference data only — not personal financial advice or a recommendation. Rates and fees move; verify on the provider’s own pages before opening or transferring an account. Provider trademarks belong to their respective owners; Cynergy Bank appears here under nominative fair-use as identification of a UK financial product.