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FAQs

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About SynerGIS Bonds

A bond is an investment. You invest money with SynerGIS, so that we can invest it into a diversified portfolio of asset-backed lending. Once the bond comes to an end, or matures, SynerGIS then give you your money back, plus interest.
Your capital is at risk, and access to your money is not permitted until the bond matures. 

Click here to watch our video which quickly and simply explains what a bond is.

A SynerGIS Bond is a fixed rate loan note, issued by SynerGIS Capital plc (SynerGIS) and distributed by Global Investment Strategy UK Ltd (GIS) (437558), a British FCA-regulated financial institution.

SynerGIS, through Global Investment Strategy UK Ltd (GIS), is regulated by the Financial Conduct Authority (FCA) and is a participant in the Financial Services Compensation Scheme (FSCS). GIS is deemed an investment firm by the FSCS. For an investment business, the FSCS may pay compensation up to £50,000 to each eligible claimant. To find out more about the Financial Services Compensation Scheme, click here.

We issue new bonds regularly throughout the year.

Driven by an exceptionally talented team, SynerGIS is designed to push the boundaries in efficient asset financing, providing consumers with responsible and competitive returns.

This is achieved through a mix of secured commercial and development property finance, select trade finance and portfolio management. SynerGIS will additionally retain a liquidity buffer to meet its obligations.

Yes. You can see all activity and balances on your account by clicking on ‘Account’ in the top right of the SynerGIS website.

Unfortunately not. Your money is committed for the full term of the bond, so please ensure the length of the bond you choose suits your needs. You are not able to redeem your SynerGIS Bond early, except in the case of the bondholder’s death. If that happens, the interest paid out will be calculated according to the value of the bond and its interest rate at the time of encashment.

There are none. Unlike other investment companies, SynerGIS does not charge a fee for managing your money.

If your SynerGIS Bond is in your sole name, your executors will need to formally instruct us with what to do with your investment. We can either transfer ownership of the bond to one or more of your beneficiaries, or allow your executors to cash the investment in early.

If you hold a SynerGIS Bond in joint names with someone else, the investment continues in the surviving party’s name until the end of the term. When the investment comes to an end (matures), we will pay the full amount due to the surviving investor.

Interest is calculated daily. The interest you are quoted is the AER (Annual Equivalent Rate). It’s an easy way for you to be able to compare your savings options. The AER gives you a clearer idea of what you would make on your money if you put it in an account and left it for one year.

Interest payments are made every six months. All interest is paid gross (before tax).

Applying for a SynerGIS Bond

Our fixed rate bonds are available to individuals, aged 18 years or over, who are ordinarily resident in the UK (England, Wales, Northern Ireland and Scotland) for tax purposes and have a permanent UK address. Also, you must have a personal UK bank or building society account to link to your SynerGIS account to receive interest and maturity payments.

Yes. We accept joint applications (maximum of two people), but remember, neither applicant are able to withdraw the investment before the bond comes to an end, and your capital is at risk.

You can invest as little as £1,000 and as much as £250,000 per bond type, per release. Also, when applying for any SynerGIS Bond you can select the ‘ISA wrapper’ option to take advantage of your annual tax-free savings allowance. To find out what the limit is for the current tax year, click here.

The investment limit for a joint account is the same as for a single. You can invest as little as £1,000 and as much as £250,000 per bond, per release. The limit is per account, not per person.

Not at the moment. Currently, we only accept applications online through our website.

When you submit your application, your personal details including identity, address and bank account information, are checked against an online database.

In some cases, we may need additional documentation in order to proceed with your application.

Congratulations. If your application was a success, you should have been asked to create your password for your SynerGIS Bond account.

If that didn’t happen, or the window was closed before you reached that stage, you will receive an email asking you to complete your application. Please follow the instructions provided. You will also be emailed a copy of our Terms and Conditions.

If you haven’t already, you will need to transfer money to your SynerGIS Bond account for the amount you specified in your application. The details you need to transfer the money have been sent to you on the email address you provided in your application. Bank and card payments can take up to three days to clear with your bank. If you make a payment on your bank card, it must be a debit card. We do not accept credit cards.

Please keep an eye on your SynerGIS online account to see when the funds have been applied to your account.

You will soon receive an email requesting some more information from you to help us process the application.

Password setup happens after your application is successful. If you were not able to set a password, you will be able to do so at a later stage. 

Click on Account, and you will be taken to our login page. The Forgot Your Password button will prompt an email to be sent to the account you registered with. You will be provided with a link to set up a password. 

Not at the moment. Currently, only the person who wishes to invest in a SynerGIS Bond can make the application. That person must be over 18, be a resident in the UK for tax purposes and hold a UK bank or building society account.

Yes. There is a 14-day cooling off period during which you can cancel your SynerGIS Bond if you change your mind. After this time, you have to wait until your SynerGIS Bond matures.

We offer a 14-day cooling off period. Should you wish to cancel your application for SynerGIS Bonds within this time frame, please provide us with written confirmation at help@synergisbonds.com, stating the reason for cancellation. 

FSCS

SynerGIS is a brand name of Global Investment Strategy UK Ltd (GIS). GIS is authorised and regulated by the Financial Conduct Authority (FCA) and is a participant in the Financial Services Compensation Scheme (FSCS). Each eligible claimant is protected for up to £50,000.

Tax Information

Yes. We are an HMRC approved manager of Stocks and Shares ISAs, reference Z1766. When applying for any SynerGIS Bond you can select the ‘ISA wrapper’ option to take advantage of your annual tax-free savings limit. To find out what the limit is for the current tax year, click here.

Every year you can save money tax-free with an Individual Savings Account (ISA). The government sets the annual limit and any interest you make on that money will be tax free. Anything over and above the tax-free savings limit you’ll have to pay tax on.

To find out what the limit is for the current tax year, click here.

 

Unfortunately, we cannot accept ISA transfers from your existing provider at the moment.

Interest and maturity payments are paid to you without being taxed (also known as ‘gross’ payments). The tax treatment of these payments depends on your personal circumstances and is subject to change.

The Personal Savings Allowance was introduced by HMRC on 6 April 2016. This means that basic rate taxpayers can earn £1,000 of interest per tax year before paying tax on their interest. For higher rate taxpayers this allowance is £500 per tax year. There is no Personal Savings Allowance for additional rate tax payers.
Interest earned on ISAs won’t count towards your Personal Savings Allowance because it’s already tax-free

SynerGIS will send you an annual statement in the post, and you can also access your account online 24/7 to look up your information regarding your interest payments.

Please consult with your tax adviser if you have any questions.

Paying for your SynerGIS Bond

Once your application is successful, you will be directed to our payment page. Here, you can fund your account by making a bank transfer, or by using a debit card.
You can use your Debit Card for payments between £1,000 and £50,000, or make a Bank Transfer for any amount over £1,000.

If the name on the account does not match the one entered during your application, there may be further Anti Money Laundering checks we have to do. This may delay funds appearing in your SynerGIS Bond account.

We confirm the payment details you need to use in your welcome email but if you are paying from an overseas bank account (in your name) you may need the following additional information:

 

BANK NAME: Royal Bank of Scotland

SWIFT/BIC CODE: RBOSGB2L

IBAN: GB64RBOS16001516278311

My SynerGIS Bond

Your username is the email address you set up your account with. If you need help with your password, click here.

To update your SynerGIS account with a change of name, please email information, along with proof of name change documents to help@synergisbonds.com. We can then amend your account with updated details. 

To update your SynerGIS account with a change of address, please email information, along with proof of address change to help@synergisbonds.com. We can then amend your account with updated details. 

To update your SynerGIS account with new bank details, please email information, along with proof of bank detail changes to help@synergisbonds.com. We can then amend your account with updated details.

SynerGIS & GIS

Global Investment Strategy UK Ltd (GIS) is an investment firm that helps companies and individuals manage their money.

SynerGIS is a brand name of Global Investment Strategy UK Ltd (GIS).

SynerGIS is a brand name of Global Investment Strategy UK Ltd (GIS). GIS is authorised and regulated by the Financial Conduct Authority (FCA).

Yes. We are a UK based investment company with offices in the City of London.

A nominee company is a custodian charged with the safekeeping of investors' assets. GIS Nominees Ltd is the nominee company of GIobal Investment Strategy (UK) Ltd. All SynerGIS Bonds are held by GIS Nominees on behalf of each client and the beneficial interest of those clients is recorded by an independent registrar.

Capital risk

Through Global Investment Strategy UK Ltd (GIS), SynerGIS Capital plc is regulated by the Financial Conduct Authority (FCA) and is a participant in the Financial Services Compensation Scheme (FSCS). For an investment company, the FSCS may pay compensation up to £50,000 per eligible claimant. The FSCS considers each claim individually to determine if their FSCS conditions are met. 

SynerGIS is a brand name of Global Investment Strategy UK Ltd (GIS). You risk losing capital should GIS become insolvent.

That is entirely at your discretion. If you are buying a SynerGIS Bond directly from us this transaction is known as ‘execution only’. This means you are giving us an instruction to purchase SynerGIS bonds once you have satisfied yourself that the product is appropriate for you. SynerGIS does not provide financial advice.

If you are uncertain about the suitability of the SynerGIS Bond to your personal circumstances, please speak to a qualified financial adviser before applying.

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