Fixed Rate

Cynergy Bank 3 Year Fixed Rate Bond Review

A three-year fixed rate bond from Cynergy Bank, with a £1,000 minimum deposit. It ranks 34th of 46 three-year fixed rate bonds we track.

Fixed rate · 3 years

4.40%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 34th of 46

3-year fixed bonds we track

Below average
This account 4.40%
UK CPI (Aug 2026)
3.10%
Pays 1.30% more
Average 3-year fixed
4.66%
Pays 0.26% less
Best 3-year fixed
5.18%
Pays 0.78% less

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

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A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

  • Con: Your money is locked in for 3 years
  • 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

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Estimated returns with Cynergy Bank's Fixed Rate

What you could earn with Cynergy Bank's 3 Year Fixed Rate Bond.

Estimated interest

£1,000 saved

£138

At 4.4% AER

£5,000 saved

£689

At 4.4% AER

£10,000 saved

£1,379

At 4.4% AER

£1,000,000 saved

£137,893

At 4.4% AER

Estimated over the 36-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 3 Year Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

Cynergy Bank's 3 Year Fixed Rate Bond pays 4.40%, which beats CPI inflation by 1.30% (Aug 2026 CPI: 3.1%), so your money does grow in real terms over the three-year term. That said, 4.40% sits below the market average for fixed-rate bonds, and the market leader across that category is paying 5.35%, leaving this 0.95% behind. The obvious catch is no access until maturity, so only commit money you genuinely will not need. If you want a similar rate with monthly income, Vernon Building Society offers the same 4.40% with that option.

Compare Fixed Rate Bonds

2 alternatives to Cynergy Bank's 3 Year Fixed Rate Bond

Same type of account, closest on rate.

Common questions about the 3 Year Fixed Rate Bond

D

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