The Synergence Account™

The Synergence Account™ has been purposely designed to support and enable people to address modern day financial management needs.

One Payment Manages All Of Your Household Bills Efficiently.
Quite simply, there is no other service of its kind available in the UK, which explains why the account is becoming more and more popular since its launch in 2004.

With one single monthly payment the Synergence Account™ is not a bank account, rather it is a personal money management service that works in synergy with your individual lifestyle and personal financial commitments. As a Synergence Account™ client you will also have your very own Personal Account Manager who you can contact via direct line, email or letter so you will not have to deal with an impersonal call centre environment.

How Does It All Work?
It’s simple. Firstly, our advisors will talk with you about your income and financial commitments (mortgage, rent, utilities, credit cards etc)

We will then calculate how much all of these bills typically cost you on a monthly basis. Once we have collated this information our advisors can put in place a personal money management programme that ensures that all of your bills are paid on time every month as efficiently as possible. .

Your Synergence Account™ ensures that all of your household bills and other commitments are paid on time via our advanced IT systems.

Our technology systems make payments via BACS and also applies ‘intelligent thinking’ to make the most out of your money and to minimise the amount of interest that you are charged by your credit product suppliers.

Our systems save you money by making sure that all of your standard bills are paid on time whilst also analysing the different interest rates that your credit products may have.

Payments are then made to your credit providers ensuring that your most expensive credit products (those with the highest Annual Percentage Rate – APR) are paid off as a priority whilst maintaining the contractual payments to your other credit commitments in the meantime.

How Much Does It Cost?

The Synergence Account costs £35 per month. Their is also a one time account set-up fee of £75.

View All Of Your Accounts & Transactions Securely Online
Our clients enjoy the benefit of 24 hour, 365 day secure internet access to their Synergence Account™ via the Breathe website
Customers can view all of their individual accounts including payment transactions, outstanding balances and interest rates all in one place by simply logging on.