Cynergy Bank Online Easy Access Account Review4.15% AER (Sep 2026)

Easy Access from Cynergy Bank

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Protection

FSCS

Up to £120,000

Min balance

£1

Max balance

£1,000,000

Access

Instant

Interest paid

Annually

Who Is This For

Learn more about Cynergy Bank

New and existing savers
Those wanting easy access
Savers happy with a £1,000,000 cap

Additional Info

Open online with a minimum £1 deposit (up to £1m); applicants must be 18+ and UK residents with a UK current account as the nominated account. Initial deposit required within 14 days of opening.

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Calculate your tax liability for this accountSee what you might pay on the interest from Cynergy Bank's Online Easy Access Account.

Estimated returns with Cynergy Bank's Easy Access

Want to know how much interest you will receive with Cynergy Bank's Online Easy Access Account?

Estimated interest

£1,000 saved

£41.50

At 4.15% AER

£5,000 saved

£208

At 4.15% AER

£10,000 saved

£415

At 4.15% AER

£1,000,000 saved

£41,500

At 4.15% AER

Estimated over one year, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on Cynergy Bank Online Easy Access Account

Cynergy Bank's Online Easy Access Account pays 4.15% and suits anyone who wants a straightforward instant-access home for their savings without a minimum deposit worth worrying about, since it opens from just £1. The main catch is that interest is only paid annually, so if you close the account mid-year you may miss out on accrued interest. If you want to squeeze out a little more, Tesco Bank's Internet Saver is currently sitting at 4.24% and is worth a look before you commit.
Jan Watermann (Co-Founder)DepositScout