Fixed Rate

Cynergy Bank 15 Month Fixed Rate Bond Review

One of the best-paying 15-month fixed rate bonds, from Cynergy Bank, with a £1,000 minimum deposit. It ranks 2nd of 7 15-month fixed rate bonds we track.

Fixed rate · 15 months

5.05%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£1,000,000

Access

At maturity only

Interest paid

Annually

How It Stacks Up

Ranks 2nd of 7

15-month fixed bonds we track

Among the best
This account 5.05%
UK CPI (Aug 2026)
3.10%
Pays 1.95% more
Average 15-month fixed
4.70%
Pays 0.35% more
Best 15-month fixed
5.10%
About the same

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

Compare fixed bonds

A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

  • Con: Your money is locked in for 15 months
  • Con: You need at least £1,000 to open it

Good to Know

Open online to UK tax residents aged 18+; minimum deposit £1,000, maximum £1,000,000. Existing customers can apply via Fast Track in Online Banking.

Please verify all details with the provider – see our Disclaimer

See all Cynergy Bank accounts

Estimated returns with Cynergy Bank's Fixed Rate

What you could earn with Cynergy Bank's 15 Month Fixed Rate Bond.

Estimated interest

£1,000 saved

£63.52

At 5.05% AER

£5,000 saved

£318

At 5.05% AER

£10,000 saved

£635

At 5.05% AER

£1,000,000 saved

£63,519

At 5.05% AER

Estimated over the 15-month term, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Cynergy Bank 15 Month Fixed Rate Bond

Jan WatermannCo-Founder, DepositScout

Cynergy Bank's 15 Month Fixed Rate Bond pays 5.05%, which sits near the market average for fixed-rate bonds but is 0.30% behind the current market leader at 5.35%, so it is not the sharpest rate available. That said, 5.05% is 1.95% above CPI inflation of 3.1% (Aug 2026), meaning your money does grow in real terms. The main catch is that access is completely locked until maturity, so this suits savers who are confident they will not need the funds for fifteen months and can deposit between £1,000 and £1,000,000.

Compare Fixed Rate Bonds

2 alternatives to Cynergy Bank's 15 Month Fixed Rate Bond

Same type of account, closest on rate.

Common questions about the 15 Month Fixed Rate Bond

D

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4.20% AER
4.75%
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