Is Cynergy Bank a legitimate company?
Cynergy Bank has a solid reputation with numerous verified reviews and an overall positive rating. Many customers highlight their helpful and professional service.

Cynergy Bank is a specialist bank based in the UK, focusing on business banking, mortgages, loans, and savings. The bank serves a diverse clientele that includes UK business owners, small and medium-sized enterprises (SMEs), property entrepreneurs, family businesses, and individual savers. Cynergy Bank offers competitive products, such as a Business Current Account that earns up to 3.50% AER on balances up to £10,000, catering to the financial needs of its commercial and personal banking customers. In addition to its banking services, Cynergy Bank provides valuable insights into the UK economy through its Business Births & Deaths Index, which analyzes the health of various industry sectors and regions. The bank is recognized for its commitment to customer service and is a member of the Financial Services Compensation Scheme (FSCS), ensuring that eligible deposits are protected. With a focus on innovation and customer satisfaction, Cynergy Bank continues to establish itself as a trusted partner in the financial sector.
Cynergy Bank receives high praise for its customer service and ease of account management, with many reviewers highlighting the professionalism and helpfulness of staff like Carter and Lesley. Customers appreciate the straightforward process for opening accounts and transferring funds, often describing their experiences as efficient and trouble-free.
The bank's competitive ISA rates also stand out positively among users. However, some consumers express frustration with the mobile and telephone services, noting that the phone support can be understaffed, leading to stressful experiences when trying to resolve issues. Additionally, a few mention that the online platform feels outdated. Overall, while there are some areas for improvement, the majority of feedback reflects a positive sentiment towards Cynergy Bank.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.4 | 60 | 100% | — | ● Low |
Monthly average rating from reviews written by people.
Not enough history for a trend yet: 60 reviews in 1 month. The chart appears once reviews span two months.
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Easy to access and they offered the best ISA rates for me, above my original ISA provider”
“Based on very experience as I have yet to complete a transaction with Synergy, their telephone service is under manned”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Website & app | Trend | Reviews |
|---|---|---|---|---|---|---|
| 4.4 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | 4.1 out of 5 (good) | — | 60 | |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | 3.0 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.6 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.0 out of 5 (good) | — | 1,060 |
Bottom line: Cynergy Bank is #4 of 5 on overall rating in this group. On website & app, JustCover Travel Insurance scores higher (4.7 vs 4.1).
60 reviews of Cynergy Bank. Filter by what matters to you.
Over a year ago
My very first contact and dealings with the Company was a pleasure professional and polite and suited my requirements perfectly.
Over a year ago
Based on very experience as I have yet to complete a transaction with Synergy, their telephone service is under manned. I finally got through after about 20 minutes, went through security and was on t... See more
Over a year ago
Lesley actively listened during the conversation. Consequently the desired outcome was achieved. Thank you Lesley. MD
Quick answers to the questions people ask most.
Cynergy Bank has a solid reputation with numerous verified reviews and an overall positive rating. Many customers highlight their helpful and professional service.
No, Cynergy Bank is not a scam. The bank has received verified reviews that show a pattern of customer satisfaction, although some have noted occasional service issues.
Cynergy Bank offers a variety of financial products, including ISAs and savings accounts. Customers have praised the simplicity and efficiency of opening accounts.
Cynergy Bank provides multiple payment options for deposits and transfers, ensuring a user-friendly experience, as noted in several customer reviews.
Customer support can be reached via phone, and many users report helpful experiences during their interactions, although some have mentioned longer wait times.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Carter was very helpful,
My very first contact and dealings with the Company was a pleasure professional and polite and suited my requirements perfectly.
Based on very experience as I have yet to complete a transaction with Synergy, their telephone service is under manned. I finally got through after about 20 minutes, went through security and was on the cusp of him giving me the information when he suddenly couldn't hear me any longer and hung up. I waited for him to call back but he didn't. I called back and waited another 15 -20 min, had to explain my problem again as no notes had been taken. Went through security again, this time I failed and was told I had to complete a form within 15 minutes or I would be locked out. I said that was unnecessarily stressful, then he said 'have a nice day.' I am still waiting for an ISA to be transferred. It is currently in between banks somewhere and I am getting more and more stressed each time I contact this bank. Just failed the photo id/licence security after following their brief instructions which were unclear.
Lesley actively listened during the conversation. Consequently the desired outcome was achieved. Thank you Lesley. MD
I have really good experience with Cynergy so far. No problems with transfers or withdrawals. Recently I had a problem logging in but advisor explained to me step by step what to do. I wanted to say special thank you to Carly from Belfast.
Easy to access and they offered the best ISA rates for me, above my original ISA provider
We do find the online website a little old-fashioned. Despite this, any problems we have encountered have been swiftly and efficiently dealt with by their customer service operatives.
Easy to use and efficient
Easy to open account and pleased with interest on account
Helpful and quick service
Quick and straightforward to open account
Easy to connect and create an account, straight forward questions easy to follow and answer and transfering money in extremely quick to get on the account.
As an existing account holder, opening a different type of savings account is made extremely easy!
Trouble free experience opening an ISA. Refreshing as can be a hassle.
In two years of having an online account I've still not been able to access the account. Even with bank staff helping on phone. Staff are pleasant, but they can't get me into account. I've given up. When my account matured, I will close for good. J M. Basingstoke.
Excellent response to my issue, helpful, friendly and professional.
Cynergy Bank is a specialist bank based in the UK, focusing on business banking, mortgages, loans, and savings. The bank serves a diverse clientele that includes UK business owners, small and medium-sized enterprises (SMEs), property entrepreneurs, family businesses, and individual savers. Cynergy Bank offers competitive products, such as a Business Current Account that earns up to 3.50% AER on balances up to £10,000, catering to the financial needs of its commercial and personal banking customers. In addition to its banking services, Cynergy Bank provides valuable insights into the UK economy through its Business Births & Deaths Index, which analyzes the health of various industry sectors and regions. The bank is recognized for its commitment to customer service and is a member of the Financial Services Compensation Scheme (FSCS), ensuring that eligible deposits are protected. With a focus on innovation and customer satisfaction, Cynergy Bank continues to establish itself as a trusted partner in the financial sector.
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