Fixed Rate

Cynergy Bank 4 Year Fixed Rate Bond Review

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

Fixed rate · 4 years

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

4-year fixed bonds we track

Among the best
This account 5.05%
UK CPI (Aug 2026)
3.10%
Pays 1.95% more
Average 4-year fixed
4.64%
Pays 0.41% more
Best 4-year fixed
5.17%
Pays 0.12% less

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 4 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 4 Year Fixed Rate Bond.

Estimated interest

£1,000 saved

£218

At 5.05% AER

£5,000 saved

£1,089

At 5.05% AER

£10,000 saved

£2,178

At 5.05% AER

£1,000,000 saved

£217,823

At 5.05% AER

Estimated over the 48-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 4 Year Fixed Rate Bond

Jan WatermannCo-Founder, DepositScout

Cynergy Bank's 4 Year Fixed Rate Bond pays 5.05%, which sits near the market average for fixed-rate savings but 0.30% behind the best rate available across the fixed-rate market at 5.35%. At 1.95% above August 2026 CPI of 3.1%, your money does at least grow in real terms. The main catch is the complete lack of access for four years, so this suits savers who are confident they will not need the money and can deposit between £1,000 and £1,000,000. I would also check Aldermore's 4 Year Fixed Rate Savings Account at 5.17% before committing.

Compare Fixed Rate Bonds

2 alternatives to Cynergy Bank's 4 Year Fixed Rate Bond

Same type of account, closest on rate.

Common questions about the 4 Year Fixed Rate Bond

D

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