Cynergy Bank Reviews 

I phoned the bank today as not very good with computers so don't like using online apps.
The gentleman was lovely and very understanding of my concerns. He dealt with my query quickly, politely and very professionally. Highly recommend Cynergy Bank.

Very quick and easy to open a new account

On MSE site. Good interest rate. Quick and easy to open account. Once opened easy to use the app and put money in from a designated account. Haven't tried yet, but sure it will be as easy to take money out to my designated account.

It was easy to open the new account. Only slight hold up was that the form did not fit very well on my mobile - I didn’t realise there was a section on the right and didn’t realise I had to scroll right. The error message had me stumped for a while.

So far everything has run smoothly

Don’t touch this company with a barge pole. They take your money. Tell you you’ve got 14 days to deposit funds into their savings account. They then send you an email saying that we can’t receive the money that you’ve sent and they will return it back to your nominated account, yet I’ve been waiting five days and no money has been returned. I’ve rung customer services. They couldn’t help me. They only have basic skills. They put a block on my account because I’ve reported fraud. They sent me a secure message but I can’t get into my account to read it. Customer services are on the open weekdays. They’re not 24 seven like most banks. What is a person to do? They’ve got £23,000 of my savings that has been sat in Limbo for over five days, no doubt get gaining them interest! As soon as they return my money, if they ever do, I will be cancelling the account.

Easy to open account at a decent rate. Best of all, all the instructions were clear and the technology worked!

The person I spoke to was very helpful and resolved my issue with ease.

On Fri 02/10 they emailed me saying my new “easy access” account was open and I should make my initial deposit. I did so, they acknowledged receipt within minutes and the initial deposit was now showing on the app.
Three days later, on Mon 05/10, I made a much more substantial deposit, and then... nothing.
On Tues 06/10, when it was still not showing on the app, I rang Cynergy. I was first told that all payments were getting held up but that it should be showing by the end of the day. When I pressed them to look into my specific account they came up with a new reason: that they were now demanding that I upload photo ID, and that a link was being emailed to me to do this.
I pointed out that it was unacceptable for them to accept my first deposit and then wait for me to make a second deposit before imposing this condition. Other banks with whom I have opened accounts recently have not asked for photo ID.
And I don't wish to upload it: when Cynergy gets hacked, as it inevitably will, my photo ID would be stolen, creating a much bigger security risk to me.
So I asked for my deposits to be returned to my nominated account. But I was told that they would be holding them hostage until I uploaded photo ID, and was assured that the email containing the link would arrive within 15 minutes. It did not arrive, though ironically I did get two customer-survey emails from Cynergy asking “How did we do?”.
On Wed 07/10, having still heard nothing, I emailed their complaints email address, as shown on their website, and as a backup sent a secure message in online banking summing up my complaint.
Two more days have passed and now, at the end of the day on Fri 07/10, I have heard nothing. Cynergy is continuing to hold my money hostage without acknowledging receipt of it.
To whoever copy-pastes the bland responses on behalf of Cynergy, I don't care whether you “understand how frustrating” this situation is. There is no excuse for the way I have been treated, and I expect it to be resolved promptly, and with compensation. The consumer pages of the newspapers, followed by the Financial Ombudsman Service, are my next ports of call.
UPDATE: Days late, they have responded claiming they "can't find" the complaint I emailed to them and asking me to re-send it. As for their response below, the point is that their welcome email had simply said “Congratulations! Your new account has been successfully opened and is ready for funding.” It did not say it was subject to ID verification or any further conditions. They finally credited my funds, 7 days late, without any further verification, so that probably wasn't the issue anyway. A bank whose systems are so clearly malfunctioning is not a safe place for your money.

thanks for being quick in getting back and also in acting directly

Very easy to open an account

Fast, Efficient services executed with understanding and clarity to identify abd resolve the need for my call.

I had a problem signing in. The chap at Synergy was extremely polite and helpful.

Can I score them less than one star?
They don’t allow me to deposit funds, keep sending me messages to deposit funds, and ignore my requests to enable me to deposit funds. Pretty pointless from a so-called bank, really.
Wouldn’t touch them with a barge-pole now.

We have banked with Cynergy for some time and have found the service consistently professional and responsive.

Most recently, Kathryn Lillis and Vashesh Singh were very helpful in arranging the upgrade of our Business Current Account. The upgrade was handled efficiently from start to finish.

We value having direct access to relationship managers who understand our business and are readily available when needed.

A fast response on the telephone and the issue resolved very professionally.

We closed an account in error but you couldn’t reinstate it when we rang the help line !
It is so easy to make a mistake on line when a payment doesn’t transfer first time 🤦‍♂️

excellent service and best Bond loyalaty interest rate offered in the market. Thanks