Synchrony Bank User Reviews

Synchrony Bank
Synchrony Bank
Synchrony Financial

Customer Experience

Positive experience54.4% of reviews
Neutral7.0% of reviews
Negative experience38.7% of reviews

~ Based on 287 written reviews from the US App Store.

What users say

Is Synchrony Bank Safe?

Synchrony Bank appears safe based on user ratings. AppsHunter Safety Score for Synchrony Bank is 96/100.

This assessment is based on 35,785 user ratings, with an App Store average of 4.8/5.

Safety Analysis

96.3% of ratings point to a safe experience
1.7% of ratings suggest some concerns
2.0% of ratings point to a risky experience

~ Based on 35,785 App Store ratings for Synchrony Bank.

Is Synchrony Bank Legit?

Synchrony Bank appears to be a legitimate app. AppsHunter Legitimacy Score for Synchrony Bank is 90/100.

Based on 90 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Transfer info.

Chris was very competent and kind to listen and help me arrange unusual transfer situation.

Ok

Need to add Zelle

RUN!!!

This bank is a joke, bankers can not talk no to no one, I have had synchrony since 2024, I have 2 HYS, 3 MMA accounts and a CD, my account have been locked for 2 times the most previous one on July 27th, bankers are not helpful, no one is trying to resolve the issue of me getting back into my accounts through the app or taking the restrictions off my account even after verification with my main bank account where all my money gets transferred from to synchrony, no fraud activity has been on my account the only fraudulent activity seems to be this bank it’s self, it has came to the point I have filed a complaint with Comptroller of the Currency office to try and get this matter resolved
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Good rates!

Synchrony has good rates and is very easy to manage. I recommend Synchrony to family and friends all the time!

Best Savings

Works great

Easy and efficient

I have used Synchrony bank for 3 years for their great savings rate. I am able to easily and quickly transfer money to/from another bank’s checking account. I use that feature a lot. They make it so easy and it’s very efficient. Thanks!

Synchrony stinks!

I have not been able to do a transfer for months without having to call customer service. Their system refuses to accept my cell number to send a code. Doing transfers now takes about 15 minutes to complete. Ridiculous!!!

Disappointed

I opened up a high yield savings account online and put in money for it but 3 days later i was locked out of my account and was told to wait 3 days for my account to reopen and nothing. Then I called like 3 times and they kept telling me to wait 3 days. At this point I didn’t want anything with this bank and I told them to give me my money back and they told me 3 days it would be refunded and I still haven’t received anything. I’m super annoyed since I had high hopes but they just ended up taking my money. Till this day I haven’t received anything and it’s been more than a month. For anyone that wants to open an account, be careful because they will not refund you your money. This is what happened to me and I wouldn’t want this to happen to anyone else
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Hurdles

If you want to prevent a CD from auto renewing, these people will make you jump through hoops and make it absolutely impossible. It is a deterrent, it’s a tactic and it is extremely unpleasant. They claim it as for security reasons, but that is dubious because I’m logged in with two factor authentication into my account and could provide another layer of identity verification online. Nothing special about the rates here, so choose wisely.
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Transfer Fund

Transfer funds from my bank/credit union is very difficult using the Synchrony app.
Banking with other institutions is much easier and if I continue having problems, extend to close my account at Synchrony.

Very good helpful app

Very good helpful app with easy features and service to do it with, only hope they keep it up by improving their service and features.

New deposit tranfers

Terrible not sure why I am asked 10 times to verify my account

Accommodating

Always accommodating and helpful.

Easy to navigate

Synchrony makes it very straightforward to transfer money in and out. I just wished it didn’t take so long to reflect in the amount.

Syncrony used to be more competitive

I’ve been banking with Synchrony Bank for many years but lately they’re just not competing with other online banks as far as how much interest they’re gonna pay on their liquid accounts.
I really wish this wasn’t what situation but they’re forcing me to leave.
Very sad

Anyone else having phone number issues??

Seems I’m constantly having to call now because my phone number “isn’t valid” for verification use. It’s listed on my profile. It’s been used to send codes in the past 6 months. It’s a local number. Please fix this!! I’m sure I’m not the only one having issues.

👎 Tech needs improvement

I’ve used Synchrony and I’ve used Marcus for High Yield Savings Accounts. If Marcus is able to do same day transfers for withdrawals then Synchrony should be up on the technology to do the same. It takes MANY days to transfer the money back into my linked account for a withdrawal. Also, when making a deposit into Synchrony, it leaves my linked account super fast, but showing as available in Synchrony is taking just an unreasonable amount of days…and that’s interest I’m losing. Synchrony is way behind on these two aspects. Check your competitors capabilities and catch up!
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Hassle

Hassle to do anything. Rates aren’t good enough to justify this

Accommodating

Always accommodating and helpful.

NO ATM FREE

Synchrony will charged unless you have over 200 K