Name: Synchrony Bank
Rating: 4.81149 (15809 reviews)

User Reviews for Synchrony Bank

4.81 out of 5

15.8K Ratings

3 years ago, lil'_b

Where is my 1099 Form and other complaints?

Went looking for this 1099 document in the Synchrony Bank app but as far as I can see there is no way to see if you even have any documents let alone view or download it then. O.K. this is not an uncommon thing with apps as missing info such as this is often available via a company’s website. So I log on to Synchrony’s website and after a little digging I find the relevant page that purports to allow one to view and download one’s 1099 for a specific year. I click on the correct button, a spinning circle appears and spins for maybe 10 secs or so then nothing. I’m back to the button again. I’m using an iPhone 12 running the latest version of IOS and the most recent version synchrony’s app. To make things worse you’ve now lowered your flipping savings interest rate to 80% of Ally Bank’s current savings interest rate!!!! So what gives synchrony bank? You can do better than this guys....

1 year ago, Tejerasv911

Synchrony App Credit Card

Absolutely love how simple and easy the process of receiving my card, activating the card (less than 10 seconds,) as well as downloading the app for my IPhone 13 Pro (couldn’t have been easier/quicker to set up) Navigating the app is very intuitive and simple, yet includes everything needed to manage my account (bill pay, transfers, credit limit, rate fees (low/if any), I’ve never had a financial service that actually has given me the security and the tools to manage my money without being charged “an arm and a leg” for whatever situation that requires some large fee)… thank you Synchrony, I look forward to continue using all of the products that you have to offer, and I can’t wait to tell my friends and family about the way your company conducts its business and refer them all directly to your site. Sincerely, Vincent T.

1 year ago, Mawmawb4

Recurring transfers

Great app overall. Was not able to set up a recurring transfer using a future date. After contacting synchrony through the chat option, I was instructed to use the website instead. I was finally able to set up my recurring transfer but it would be nice to be able to use the app. Please note that the app works fine if your transfer date is the current date.

8 months ago, K. Vanlee

No receipts or verification!

I was told that transfer instructions for a CD that was maturing would need to be done via a phone call rather than online. So you would think that after or during the phone call I would get some sort of receipt verifying my instructions. But was told no receipt was available until 7-10 business days after the transfer took place, and that it would come by US Postal Service. There would be NO record online that would be available to customers using an iPhone or iPad and they were not able to send me an email or text verifying our phone conversation. I think it’s a lot to ask customers who are new at banking online or in reality “banking by phone” to trust a representative - this case in the Philippines - until a month or more after the fact! They need to build trust by doing more than asking us to trust the customer service representative! we’re talking about large sums of money! What are they thinking!

2 months ago, VbMe

I thought I was in charge of my account… Maybe not

When I signed up for this which I haven’t had it for very long, they had the date wrong and I asked him if there’s anyway I could change my due date to later in the month they said fine, so I changed it to the 10th or after of the month. I get on here now just out of the blue to check and they have me as my due date is the fourth. I don’t get paid until the third and a lot of times. I don’t make it to the bank to get the money in there before then. Now I’ll probably get a late charge… AGAIN because of their negligence. I am beyond PO’d! Because, like I said, I thought I was in charge of my account, but evidently I’m not so make sure you check your particulars EVERY month for should NOT have to happen, I have auto pay for goodness sake… for this very reason…DUH!!

2 years ago, txgirl048

My account

I had an account with Synchrony bank and it was opened in August of 2019 and I had gotten a loan from a loan company and somehow that money was placed in the wrong type of account and for some reason they placed a restriction on my account and never would explain to me why that was done and now here it is 2022 and they closed my account without me knowing until they emailed me and told me my accounts were closed but without an explanation and so I called them and I was informed they would send me a letter explaining why my accounts were closed and I still haven’t received any letter from them explaining the reason and I’m still waiting but not for long I will be calling them until I get an answer as to why my accounts were closed and want to know what happen to my money that was in my accounts. Anyone have any advise as to what I should do?

2 years ago, EcklarA

The app often fails to load

Frequently the app fails to load and gives a notification to “Try Again.” I can try multiple times and it doesn’t load until I finally get frustrated and stop trying. This happens every week, usually several times a week. Note I used the newest iPhone and my IOS and app are always updated. I have other online accounts and this failure almost never occurs with the others. This is unsettling seeing I have money deposited with Synchrony and I can’t access through the app?!?!?!?! This has been going on for a year and when I call in and tell them they acknowledge my call but in a few days at the latest the same problem happens again.

11 months ago, Zoltan11

Very slow, error messages and where’s logout button

I just opened a cd. Either this app is wonky or it is not optimized to work on IO a (both iPhone and iPad, latest software) The app (and even accessing the bank via safari website) takes a long time to load—then displays an error page saying something went wrong; and to try again or try later. Hitting the try again or try later button—spins for a somewhat long timeframe (+10-20 sec) then actually displays info???? Also I cannot find anywhere on pages where there is a sign out button To end session—what the heck?????

7 months ago, Bobztunes

Unable to cash out CD

I was unable to cash out my CD that came due. First I talked to a representative that made me feel confident that I would be sold out when the CD came due, when I was automatically rolled into another 5 year CD I was surprised. The second representative I talked to made me feel as if the problem would be corrected it was Syncrony’s fault and I would be sold out of my cd and receive the cash, she said that they were in the wrong and I had notified them of my desire to cash out, Nothing happened. The third call claimed the blame was on me and I am still in the low interest rate CD with 3 more years to go, there would be an 8000 dollar penalty to get out of the CD. I can’t do business like this. I can’t recommend Syncrony Bank.

11 months ago, nul1234321

Synchrony Is the worst

I had care credit for years and always paid my bill on time and never went over my limit and one day synchrony decided without my permission that I no longer needed their services and cancelled my 1400$ care credit line. I called to ask why and they said because I did not own property they wanted to close my account. Anything that has to do with synchrony gets -5 stars and I hope this bank goes under and does not get bailed out. There are so many better options. Don't do it they will ruin your credit after closing your account without you knowing. Im just glad i kept a 0 balance on it when it was closed, you wouldn’t have gotten jack out of me. Get bent synchrony!

6 months ago, RSK tech

Doesn’t work while connected in Japan, but still impressed

Ironic, an Internet bank, where the iOS app does not work overseas. What’s up with that? At least I was able to log onto the website and perform transactions. On a positive note, this is so far better than the Marcus app. I can easily open and manage accounts without having make a phone call to the support desk. All that being said, it’s still a mystery about when and how much I can transfer out of this account. Appears to be some limitations.

2 years ago, Mizzsweetcheeks

Synchrony Bank Credit Card App

I just received my new Master card and activated it . So far the app is really simple Just look at charges ,credit available and make and make a payment. I suppose that I expected more information to be available like cash advance amount , notifications,etc. But will use some more and update in a few months and then maybe I can give a higher rating . But for now I guess I would say it does what’s most important Pay your bill and check available credit

1 year ago, Addy#1806

Worst bank and app

I don’t know what kind of bank they are running. Are they running for consumers or for some billionaires. I have replaced my credit card like 3 times just because i made a purchase through Apple pay and thought it was fraud, one time when used my card they blocked my card. Recently i made a payment through the app and it shown as pending. When I opened after 2 days there is no payment transaction, I was confused did the payment was failed or something else. No email sent. I just applied this credit when have been with Rakuten now they have separated now I am stuck with them. Now I decided not to use this card anymore.

3 years ago, CreamyBobby

Overall a great app, but one very frustrating bug

I really like the features and functionality of this app. It has everything I could ever want in a banking app. All that being said, I consistently have an issue with signing in using Face ID on iPhone. I will enter my password, enable Face ID, and go about my business. Face ID will work maybe just once or twice before the app forgets it. Then I have to go into my password manager and copy my password, reenable Face ID, and again it will only work a couple times. Very frustrating to deal with, please fix this! Thank you

10 months ago, Memaw327

Matalyn

I love this card it’s easy to read and pay I’m hoping to make some large payments so that I can have this card and get rid of others I originally wanted this card to pay off others but it won’t let me pay other cards off As soon as I pay off most of what I owe I will get rid of the other stupid cards Thanks for giving me the opportunity to have your credit card Matalyn Green

2 weeks ago, Roses in MO

Complete Satisfaction

When calling in to Synchrony the telephone representatives have proved to be knowledgeable, courteous and friendly! Each time I have called with a question I feel confident of synchrony employees answers. I also appreciate the employees speak perfect English! I have called many times with the important questions and sometimes unimportant questions I’ve never been disappointed with the synchrony telephone reps.

10 months ago, okwithmeman

Excellent bank, easy access!

I was skeptical about online banks, but I’ve had accounts with Synchrony for 4-5 years and have no complaints. Their website is easy to navigate, and I’m certain my money is secure. I got tired of being fleeced by my local hometown banks with their low, actually almost nonexistent, interest on accounts. Synchrony’s high interest rates give me an incentive to save more.

1 year ago, urnotl33t

Overall great, widget (still) broken

Overall this is a great app. Schedule transfers works nicely and predicts when the transfer will post. Shows rates of all accounts and super easy to open new accounts. However, the iPad widget remains broken, no matter what I do (even reinstall the app). Update: The 2.26 version has brought back the widget with the new style, but it's less than useless. It's just the the small square only... and it's still broken. Wow. Spectacularly incompetent. I can't imagine it's THAT hard to do. Apparently so, because my primary bank app developers can't do it, either. Developers aren't even users of their own apps anymore. I miss the 1980s and 1990s when QA meant something. At least the remainder of the app still works. Glad to see CD renewal instructions finally made its way to the app. That was overdue, too.

2 years ago, Gzrew Bidork

Interbank Transfer

I went to Bank of America online to transfer money into a Synchrony Bank account, but they have discontinued direct transfers to outside institutions. B of A want you to jump through hoops to move money out of their clutches and squeeze a few dollars from you in the process. I logged into Synchrony online and set up the transfer in less than a minute. Way to go, Synchrony!

1 year ago, Unhappy iHeart Person

Lack of help over phone

I needed help correcting a mistake I made online so I called the phone number. The lady didn’t close the savings account I made by mistake and move that Wells Fargo money over to the new CD I needed her to create. She created the account but did not close the other account and send that money to the CD or return that money to Wells Fargo. When I called last night the guy seemed clueless as to what happened and kept asking what date I created the account. He was not very helpful. When I wanted do a survey, no survey came up, I think because he kept the line open. Oh, I definitely wanted to do a survey on that guy!

4 years ago, CashBobby

No! Synchrony bank stole my money!

I opened a checking account with this bank, deposited a check. The check settled and I tried to move my funds to my main bank account and I got flagged for suspicious activity. They left me in the dark for months, so I decided to reach out and they still could not help. Made me wait on the phone for hours just to have a manager tell me that they are unable to help. I just received a letter saying my account was closed, and NO information on the whereabouts of my money. Don’t bank with these CROOKS! Crypto is the answer to all these crooks and regulations that help the crooks!!! Banks days are numbered and I expect synchrony to be the leader of the depreciation!

2 years ago, J.E.W.S.

An awesome company

Synchrony bank card is an awesome card to have it’s an awesome company to be with the app is great the only downfall is there’s no way to add another person to the card through the app if that’s possible please let me know have a great Lee love to add my wife and daughter but other than that it’s a great app really easy to use really proud to have the synchrony bank card

1 year ago, Eric stobie

Great financial institution

I would recommend anybody that does not deal with Synchrony financial institution should look into it. They answer the phone when you need them. You’re not talking to a computer for 20 minutes you’re not sitting on hold if you have an issue they deal with it when it comes to fraud, there’s no questions asked, they take care of it one out of 10 I give them a 10

3 years ago, LogicalGg

Very Good, One Request

Thanks for a very smooth user experience within the Synchrony app; overall very happy. One request would be a confirmation number furnished at the time of transaction submission, i.e., I'm not receiving a confirmation number when I submit a transfer. This one improvement would be much appreciated. Thanks!

2 years ago, Hawaiian bro

The app is great but a little Technical Bug

I love the app and happy I can track my purchases, but with the recent update I can’t see any previous purchases from the billing cycle prior to the next billing cycle starting. Which could be important to check for any fraudulent transactions that wasn’t authorized by the cardholder. Even resetting to app doesn’t help fix the issue. Please fix these issue ASAP

5 months ago, JizzleMizzle

App not loading

I used to have no problem logging in and out of my account but lately when I log in the account page never loads I’ve left it sitting for like 20 minutes once and it still didn’t let me in and said error.. I tried uninstalling and reinstalling but nothing, I’ve tried logging out and logging back in and nothing. Very odd.. I would just like to easily check my account..

12 months ago, MohitaMama

Makes Saving Fun!

Investing made accessible and fun. Super easy to open new CDs, transfer funds to and from internal or external accounts, and watch your savings grow. I like having the total amount from my Synchrony accounts listed when I open the app. Interest rates are great and you can make money every month. Guaranteed 👍

2 days ago, prag

Does not work properly on iPadOS

App works until you switch away from it to another app. If you were looking at one of your accounts once you come back to the Synchrony app the display will no longer refresh the display properly and the only way to restore access to your accounts is to force-quit the app and sign in again. This is repeatable but makes using the app for account management difficult. The website works fine but if you try that it will harass you to use the broken app so not ideal.

4 months ago, Christibug

Good App

Works well for banking and major credit card. It be nice if Care Credit account could be included. Right now it has its own apps. My Synchrony and Care Credit. I haven’t been able to include my other Synchrony accounts into My Synchrony. So it’s a little klunky in that aspect. I suppose there’s reasons why they are separate.

5 months ago, z0Gunner0z

Doesn’t Work as of recent update

I use this app pretty frequently but recently have been unable to use it. Every time I log in I am greeted with a “Try Again” error. I can login on a computer just fine, but this app no longer allows me to login. I have tried a few methods in order to gain access but have had no success. Until this is fixed, this app is only worthy of 1-star. UPDATE: 1 month later and still have the same issue. The app developers seem to care very little about feedback as well.

6 months ago, momruthe

Transfer

The only thing I do not appreciate about my relationship with Synchrony is how long it takes to transfer money from my local bank account to my Synchrony savings. It seems like it should be done the same day and not take five days for the transfer to occur.

3 weeks ago, KSuper1

Great app. Could you add Notes for transfers?

I thoroughly enjoy using this app and it’s very well designed. Just curious if it’s possible for you to add the option for us to add a note when we create a transfer so we know what the transfer it was for. This would be really helpful for keeping track of our finances within the account. Thank you!

2 years ago, Apple study

Often down

The app is always down at night and on weekends when trying to retrieve past transactions from prior months. Only the current cycle is available. I’ve been complaining about it to Synchrony but nothing has been done. And it doesn’t offer historical statements like other bank apps. The only useful bank transaction that can be done is paying bills, not much else. Very disappointing as a customers of theirs for many years.

3 months ago, Pboslet

Where’s my full dividend payment?

The main reason I use this account is to take advantage of the high interest rate they have. Unfortunately they do not pay out the full dividend payment. One month they said they go off of a certain date while another month they say they go off days of the month. Either way I’ve gotten a lower dividend payment while having a larger quantity and more days in the month, doesn’t make sense. Shady

12 months ago, UnaLynn

Thank you for easy access!

I love the app! It’s SO nice to be able to look at my account in an instant and immediately see everything I need to know! Balance, credit limit, payment info. Thank you so much! I wish all creditors could make our accounts this accessible!

3 months ago, melak0121

Synchrony Mobile App

This mobile app is set up for very fast and easy navigating. You can go on and make payments in seconds. Literally! Especially compared to other mobile credit card apps. Wish they were all this easy.

3 years ago, kenincup

Decent App

It’s a good app for handling transfers and checking balances. But I have a minor annoyance that keeps me from giving it 5 stars. The app seems to constantly forget I’ve already set up facial recognition, and reverts to requiring the password to be filled in, then asking me for the thousandth time if I wish to enable facial ID. Please make it remember! Every 4-5 logins I have to re-enable it

2 years ago, john1929394959697

So far, pretty good

Just created and got online with synchrony accounts about a week ago and so far it’s good. I have had some “system unavailable” and pages just not load / blank screen me, on a number of occasions actually, but overall a pretty good experience. John

2 years ago, Mymini007

Excellent app

I recently provided negative comments on a sync survey. After taking my time with navigating and using the filters on the app and website, I’ve retracted my negative input and changed my comments to Sync 5 stars. This is a smooth and transparent app. I will recommend a friend to Sync.

6 months ago, MamaKB11

🙌🏼

I hate the synchrony website with a passion. I can never log in or I end up on the wrong page. I was so excited when my phone started saving my passwords under my Face ID. This will be even better! Thank you I wish I’d known about the app sooner.

2 years ago, M. Mather

User friendly, but needs less restrictions

The app itself is good and very easy to navigate, however it is so frustrating to not be able to deposit more than $2000 at a time via checks. If we could do that, we would use this bank for everything.

2 years ago, CableManTN

Basic Features

The app is adequate in that it allows you to do the basics like checking the balance, looking at transactions or making payments. The big missing feature for me is notifications when purchases are made. I was used to that with the companion app of the card I used previously, and I really liked that feature

2 years ago, rabidoodles

Does Not Work!! Useless!!

Every time I log in, I get the message “We apologize our system is having technical difficulty retrieving your information. Please try again later.” Has been going on for 2 weeks now. Two live chats & two phone calls & major periods on hold have failed to resolve the issue. No one can figure out the problem. The tech team is unavailable. I’d give this app ZERO STARS or NEGATIVE STARS if I could, because I have gotten zero use from it, and it is just wasting my time.

11 months ago, 92126-7286

Ease of Transfer

Very easy to make deposits and transfer between accounts. Wish that ALL banks would get rid of the float. It doesn’t take 1 to 2 days to transfer funds from bank to bank with a computer entry and verification.

7 months ago, angiinkc

Needs improvement

While I love getting a great return on my money, the app really needs some serious improvements. It would be nice to have different sort features when you have lots of accounts. It also takes forever for my accounts to load and half the time they don’t, and it times itself out.

3 years ago, livepresent

Notifications

Can you add the purchase amount and store information WITHIN the text notification for purchases that exceed your desired threshold (reference capital one - great features). This would allow quick reference via text as opposed to logging in each time to get the purchase amount/store on the general text notification.

1 year ago, Ashli Marshall

Ashli Marshall

I’m really loving and enjoying the app. It’s very understandable and has a lot of valuable information for me the customer. I want to thank you for having me as a customer. I look forward to years as your customer. Thanks once again!

11 months ago, *geo

Review of savings app.

As a new user to your app. I find it user friendly. If I could make a suggestion, I would talk with your float folks to find ways to improve your float on check deposits and external transfers from other banks. I find yours to be quite long in comparison to other banks that I have used.

2 years ago, Geico/1

Great credit card to have👌

I really like the app for synchrony Plus card Plus 😀 you can check your balance and pay your payment 👌 plus it will let you know when you use your credit card 👍

2 years ago, Max4310139

It’s great and has potential for amazing.

A lot of issues that I am having are simply due to international travel. I would like for there to be a way to verify myself another way besides text since I no longer have a U.S. number. Besides that it’s a very simple looking but user friendly app!

Description

Ready to put Synchrony Bank’s great savings rates to work for you? The Synchrony Bank app gives you quick access to your money anytime. Now it offers you the ability to easily open an account in just minutes. “We knew this account from Synchrony Bank was safe. We knew we could access it when we needed it. It had the highest interest rates. That’s why we chose it.” - Mia N., High Yield Savings account customer We’ve been recognized: • NerdWallet Best Savings Account 2016-2018 • Bankrate Safe & Sound® 5-Star Rating 2014-2018** Sign up for a new account or sign in with your username and password or, on compatible devices, use Touch ID or Face ID. With the Synchrony Bank app, you can: • Open new accounts in just minutes • Check balances at a glance with our widget, or simply ask Siri • Link and manage your Synchrony Mastercard • Reach out for support from our award-winning customer service team, or chat to get your questions answered in the app • Deposit checks using your mobile device • Get account information in our easy-to-read dashboard • Link your Synchrony Bank account to external bank accounts for easy transfer of funds • Track all your account activity to review anytime, anywhere We’ve built every feature of Synchrony Bank’s app with accessibility for all in mind: the app is screen reader-friendly, supports variable font sizes, and uses optimal colors for readability so you can check your bank info wherever you are, whenever you need it. With the app, you’ll have the power of easy-to-use Synchrony service wherever your next adventure takes you. CONNECT WITH US Facebook: facebook.com/SynchronyBank/ Have a question, comment, or concern? Let us know at [email protected]. ABOUT SYNCHRONY BANK We’re not your average bank—you can expect more from Synchrony Bank, where we’re proud to have helped customers for more than 80 years. Today, we combine the stability of FDIC insurance with simple, smart digital tools and consistently great rates. Learn more about banking smartly with us at synchronybank.com or reach out to our highly rated customer service team at 1-866-226-5638 for banking in sync with you. *© 2016, 2017, 2018 and TM, NerdWallet, Inc. All rights reserved. **Bankrate Safe & Sound 5-Star Rating earned 2014 through 2018. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.