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ACCESS ACCOUNTS ONLINE EASY ACCESS ACCOUNT 4.80% AER

Grow your savings and enjoy unlimited free withdrawals. Rate includes 0.75% AER
bonus for the first 12 months.


ONLINE EASY ACCESS ACCOUNT (ISSUE 65)

This is the latest Issue offered by Cynergy Bank. The interest rates on
different issues can vary – both upwards and downwards. Our latest Issue rate
will always be displayed on this page and may be different to the rate on the
product you hold.

4.80%

for first 12 months. After 12 months the interest rate reverts to 4.05% AER
variable.


FEATURES

 * Open with £1
 * Unlimited, free withdrawals
 * Interest paid annually


KEEP IN MIND

 * After 12 months the interest rate reverts to the underlying variable rate
 * All external withdrawals will be paid to your nominated account
 * To access your account online you will need to use an Authentication device.
   Please see here for more details.


HOW TO APPLY

 * Apply online

 


HOW TO MANAGE YOUR ACCOUNT

 * Online banking only
 * You will be automatically enrolled to use the online banking service


WHO THIS PRODUCT MAY BE SUITABLE FOR

 * Suitable if you want access to your money at any time.


WHO THIS PRODUCT MAY NOT BE SUITABLE FOR

 * May not be suitable if you want a fixed long-term investment.
 * May not be suitable if you are unable to use Online Banking

Please read the Personal Savings Account Terms and Conditions along with the
Product Terms and Conditions and Summary Box below before you apply to ensure
you understand the features and conditions of the account.

Apply in minutes.

Apply online


SUMMARY BOX AND KEY PRODUCT INFORMATION


WHAT IS THE INTEREST RATE?

4.80% AER variable. Rate includes a 0.75% fixed bonus for the first 12 months.
After 12 months the interest rate reverts to 4.05% AER variable.

Interest is calculated daily on the cleared balance in your account and paid
annually on the anniversary of the initial deposit. Interest is added to the
account balance.

For accounts opened on and after 4:00pm on Wednesday 9 August 2023.


CAN CYNERGY BANK CHANGE THE INTEREST RATE?

The Online Easy Access interest rate is a combination of:

 * A fixed bonus for the first 12 months; and
 * A variable underlying rate which can change

Cynergy Bank can change the underlying interest rate. Details of the
circumstances under which the interest rate might change are in the Changes to
interest rate section of the Online Easy Access Account Conditions.

Please note that if the interest rate of your specific issue changes and that
change is to your advantage, we will make the change immediately and will notify
you within 30 days of the change taking effect. Where we make a change to the
interest rate that is not to your advantage , and you hold a balance of £100 or
more, we will notify you 14 days before the changes take effect.

Please see the Online Easy Access Account Conditions for full details. 


WHAT WOULD THE ESTIMATED BALANCE BE AFTER 12 MONTHS, BASED ON A £1,000 DEPOSIT?

Estimated balance after the first 12 months Estimated balance after 24 months
£1,048.00 £1,090.44 (Interest rate including bonus) (Interest rate including
bonus for the first 12 months and the underlying interest rate only for the
second 12 months)

The estimated balances shown are provided for illustrative purposes only and do
not take into account a customer's individual circumstances. They assume you
made an initial deposit of £1,000 and made no additional deposits or
withdrawals.


HOW DO I OPEN AND MANAGE MY ACCOUNT?

Personal customers who are 18 or over and a UK resident can open an account
online.

You will need:

 * Your mobile phone number and email address
 * Details of a UK current account in the name(s). This will be your 'nominated
   account' - all withdrawals will be paid to this account.

The minimum initial deposit is £1 and you can deposit up to £1 million in this
account.

It’s important we receive your initial deposit within 14 days from opening the
account online.

You can only use Online Banking to manage your account and make withdrawals.

For added security, when you use Online Banking, you’ll need to download and
register our Authenticator App (available for free on Google Play or the Apple
App Store) or request a Digipass®.

You will need access to the Authenticator App or Digipass every time you login
and make any actions on your account. This added security step helps us know
that it is you making the transaction so we can keep your account safe.

For more information about Authentication and guidance help, please see our
guidance pages here.

You may contact us by Secure Message via Online Banking, by telephone or in
writing using the address or other contact details we have given you or which
appear on our website. Please note we are unable to take transaction requests
through these channels.


CAN I WITHDRAW MONEY?

You can make unlimited, free withdrawals 24/7. All external withdrawals will be
paid to your nominated account.


ADDITIONAL INFORMATION

Interest will be paid without deduction of tax. The tax treatment and the rate
of interest payable depend on individual circumstances and may be subject to
change in the future. You may have to pay tax on any interest received that
exceeds your Personal Savings Allowance. Further information on the Personal
Savings Allowance can be found at www.gov.uk.

AER stands for Annual Equivalent Rate and illustrates what the interest rate
would be if interest was paid and compounded once each year. Gross interest is
the contractual rate of interest.

We may periodically launch new savings product issues which are given designated
issue numbers. Individual product issues each have their own interest rate,
these may vary from the prior/proceeding issues; either upwards or downwards.

We suggest customers check our website to see the latest available issue and if
you wish to open a new product issue / savings then you can apply through our
website or Online Banking.

We publish all current and historic issue interest rates on our website
(https://www.cynergybank.co.uk/rates/) and within Online Banking if you hold one
of our existing products.

Please read the important information below before applying:

Cynergy Bank Privacy Policy

FSCS Information Sheet / Exclusions List

Online Easy Access Account Conditions

Historic Interest Rates

Please read the Personal Savings Account Terms and Conditions along with the
Product Terms and Conditions and Summary Box above before you apply to ensure
you understand the features and conditions of the account.

Apply in minutes.

Apply now
 * Online Easy Access Account
 * Online Easy Access FAQ's


AWARD WINNING SAVINGS

Cynergy Bank has been awarded ‘Best Online Savings Provider’ at the Personal
Finance Awards 2021-22.

Read More


AWARD WINNING SAVINGS

Cynergy Bank was shortlisted in the category of ‘Best Easy Access Account
Provider’ at the Savings Champion Awards 2022.

Read More


YOUR DEPOSITS ARE PROTECTED

Read More


LOOKING FOR A BETTER DEAL?

If you can put your money away for one year or more, you could earn a better
rate on your savings. Find out more about our Fixed Rate Bonds.


Is my money safe

Free IBM Security Trusteer Rapport software

Identification requirements

Contact Us

0345 850 5555
+44 (0) 20 3375 6422 (Outside the UK)

If you are registered for Online Banking you can log in and send us a secure
message.

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Modern Slavery Statement

Call Customer Service

0345 850 5555
+44 20 3375 6422 (if calling from abroad)
Calls may be recorded for monitoring and training.

Customer Service telephone opening hours

8.00am – 8.00pm Monday to Friday

9.00am – 5.00pm Saturdays, Sundays and Bank Holidays

Online

Contact Us

 

Cynergy Bank Limited. Registered in England and Wales: 04728421.
Registered office: 4th Floor, One New Change, London EC4M 9AF.
Correspondence address: PO Box 80030, London EC4P 4NG.

Cynergy Bank Limited is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation
Authority. Asset Based Lending is exempt from regulation by the Financial
Conduct Authority and the Prudential Regulation Authority. Our main business is
the provision of financial services under registration number no. 575105.
Cynergy Bank and the curve logo are registered trademarks.

Eligible deposits with Cynergy Bank Limited are protected up to a total of
£85,000 by the Financial Services Compensation Scheme, the UK’s deposit
guarantee scheme. Any deposits you hold above the protected limit are unlikely
to be covered. Further information is available here or visit
https://www.fscs.org.uk/

Click here for free and impartial advice, set up by the government. Cynergy
Bank Limited is a member of UK Finance and subscribes to the Standards of
Lending Practice published by the Lending Standards Board which covers good
practice in relation to loans, overdrafts and other types of lending that we do
not currently offer. Further information is available here.

Calls to 0345 850 5555 (+44 (0)20 3375 6422 from outside the UK) may be recorded
for monitoring and training. 

 




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