What interest rate does the Cynergy Bank 120 Day Notice Saver pay?

The Cynergy Bank 120 Day Notice Saver pays 4.18% AER variable.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £418 at 4.18% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £500 and up to £1,000,000.

When is interest paid?

Interest is paid on each anniversary of opening.

Who can open this account?

New and existing Cynergy Bank customers can open it. You can open it online or in the app.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

How does it compare with other notice accounts?

At 4.18% AER it ranks 15th of 102 notice accounts we track. The best pays 4.40% and the average is 3.50%.

Cynergy Bank 120 Day Notice Saver Review: 4.18% AER (Oct 2026)

Protection

FSCS£120,000

Min balance

£500

Max balance

£1,000,000

Notice

120 Days

Interest paid

Anniversary

How It Stacks Up

Ranks 15th of 102

Notice accounts we track

Among the best

This account 4.18%

UK CPI (Aug 2026): 3.10%; Pays 1.08% more
Average notice account: 3.50%; Pays 0.68% more
Best notice account: 4.40%; Pays 0.22% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare notice accounts

A Good Fit For

Pro: New and existing savers

Worth Weighing Up

Con: You need to give 120 days' notice to withdraw
Con: The rate is variable, so it can go down

Good to Know

Must be 18+ and UK resident for tax; sole or joint (max two). Open online only and manage only via Online Banking or the app (no post/phone transactions). Fund within 14 days of opening. Existing customers can also open via Fast Track Apply. The notice period chosen at opening is fixed for the life of the account.

Please verify all details with the provider – see our Disclaimer

See all Cynergy Bank accounts

Estimated returns with Cynergy Bank's Notice Account

What you could earn with Cynergy Bank's 120 Day Notice Saver.

Estimated interest

£1,000 saved

£41.80

At 4.18% AER

£5,000 saved

£209

At 4.18% AER

£10,000 saved

£418

At 4.18% AER

£1,000,000 saved

£41,800

At 4.18% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Cynergy Bank 120 Day Notice Saver Review

How It Stacks Up

A Good Fit For

Worth Weighing Up

Good to Know

Estimated returns with Cynergy Bank's Notice Account

2 alternatives to Cynergy Bank's 120 Day Notice Saver3 alternatives to Cynergy Bank's 120 Day Notice Saver

Common questions about the 120 Day Notice Saver

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