Easy to contact
Easy to contact, short wait, issue resolved quickly.

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 Additionally, a few mention that the online platform feels outdated.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.
Website was easy to navigate, clear and smooth all the way through.
Their representative was very helpful and patent with me to sort my issue out as I am not tech savvy. It took over 30 minutes help for me to log on. He didn't give up but I nearly did as I did not want to waste his time.
Very easy to set up and account was opened in minutes. Also the interest rate was competitive which for us saver’s is what’s important.
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.
Srinivas took me step by step to get registered.His service was excellent.
They make it impossible to close the account with them. Force you to send a letter to them with the request, then call them on the phone to verify the request. And then it would still not close the account
It was very easy to open and quick and we would highly recommend
Very easy and convenient for speaking to the customer service representatives to ask them for assistance and got it resolved Didn't have to wait that long to speak to them .
Have used Cynergy Bank for a couple of years and other family members also. No issues - generally good rates and easy to get money in and out with a decent choice of fixed rate/easy access/notice accounts but like all banks you have to compare the market regularly. The app is good. Covered by the deposit guarantee so no risk up to £85k
Back in April I tried to open an ISA. I couldn't get past the first page as it requested a mobile phone number. I wrote and complained. I was told that I did not need a mobile phone and you issued a digipass for people without one. Why then am I still being prompted on the applications page for a mobile phone and can not progress the account without one?! I have just rang your number to be left waiting in a queue for 20 minutes and the receptionist who is clearly based abroad says I can not apply without a mobile. I would like the correct information. Regarding your reply - the ombudsman said that all banking institutions must provide an alternative to a mobile phone as a means of authentication. Regulations like Strong Customer Authentication (SCA), implemented under EU's PSD2 and overseen in the UK by the Financial Conduct Authority (FCA), require that banks provide an alternative to mobile phone verification for online banking and payments. These alternatives, such as receiving codes via landline or email, or using card readers and biometrics, ensure that customers without smartphones are not excluded, especially vulnerable groups like older people.
First class easy to understand and complete .
I raised a complaint on 4 August and Cynergy has not responded. Other than customer services there is no one to speak with. They say there is no manager and you have to officially raise a complaint, which they may respond to in 15 working days. Well this has not happened. They must have so many complaints that they cannot get round to dealing with mine.
Staff dealt with the issue quickly and efficiently
Opened account on a Saturday. Transferred funds by BACs faster payments which should have reached account within a few minutes but bank advised could take up to 2 hours. Funds still not showing as having reached my account. Cannot talk or have any contact with Cynergy as it’s weekend so currently have no idea where my funds are. Have private messaged them from my account and no response either. Correct name, sort code and account number were used.
Excellent quick response to opening a new account with Cynergy. I've been with this brilliant bank many years now. Keep up the good work.
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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