Synchrony Bank has a mobile app for managing your account on your phone
Yes, Synchrony Bank offers a mobile app called the Synchrony Bank app, available on both iOS and Android devices. You can download it from the Apple App Store or Google Play Store at no cost. The app lets you check your account balance, view transactions, make payments, and manage your credit card or other Synchrony products from your phone.
The app requires you to log in with your Synchrony Bank username and password — the same credentials you use on the website. If you do not have an online account yet, you will need to set one up through the Synchrony Bank website before you can use the app.
Key Takeaways
- The Synchrony Bank app is free to download from the Apple App Store or Google Play Store and works on both iPhone and Android phones.
- You log into the app using the same username and password you use on the Synchrony Bank website.
- The app lets you check balances, review transactions, make payments, and manage account settings without visiting a website.
- If you cannot remember your password, you can reset it through the app's login screen or on the Synchrony Bank website.
What you can do in the Synchrony Bank app
The app gives you access to most of the same functions as the website. You can view your current balance, see your recent transactions, and download statements. You can also make payments to your Synchrony credit card or loan from within the app, set up automatic payments, and update your contact information.
If you have multiple Synchrony products — such as a credit card and a personal loan — you can switch between accounts within the app. The app also shows you your credit limit, available credit, and interest rate for each account.
How to download the app on your phone
Open the Apple App Store if you have an iPhone, or Google Play Store if you have an Android phone. Search for "Synchrony Bank" in the store's search bar. Tap the official Synchrony Bank app (look for the Synchrony logo), then tap the download or install button. Wait for the download to finish, then tap "Open" to launch the app for the first time.
The app is free and does not require a subscription. Once installed, you can open it anytime by tapping the icon on your home screen.
Logging in and setting up your account
When you open the app for the first time, you will see a login screen. Enter your Synchrony Bank username and password. If you do not have an online account, you will need to create one on the Synchrony Bank website first — the app cannot set up a new account on its own.
After you log in, the app may ask you to set up additional security, such as a PIN or biometric login (fingerprint or face recognition). This extra step protects your account if your phone is lost or stolen. You can choose to enable or skip this step, though Synchrony recommends using it.
Security and what to watch for
The Synchrony Bank app uses encryption to protect your login information and account data while it travels between your phone and Synchrony's servers. However, the security of your account also depends on your phone itself — keep your device updated with the latest software patches, use a strong password, and do not share your login credentials with anyone.
Be cautious of fake apps that claim to be Synchrony Bank. Download only from the official Apple App Store or Google Play Store, and verify that the app publisher is listed as "Synchrony Bank" or "Synchrony Financial." If you are unsure whether an app is real, download it from the Synchrony Bank website instead — they provide a direct link to the official app.
Troubleshooting common app problems
If the app crashes or freezes, try closing it completely and reopening it. If that does not work, restart your phone. You can also try uninstalling the app and downloading it again from the app store.
If you cannot log in, make sure you are using the correct username and password. If you have forgotten your password, tap "Forgot Password" on the login screen and follow the steps to reset it. You will need access to the email address or phone number associated with your Synchrony account. If you still cannot log in after resetting your password, contact Synchrony Bank customer service by phone or through the website.
Frequently Asked Questions
Is the Synchrony Bank app the same as the website?
The app and website have the same core features — checking balances, making payments, viewing transactions — but the layout is different because the app is designed for a smaller phone screen. Some advanced features may only be available on the website, but most everyday tasks work the same way in both.
Can I use the app if I do not have an online account?
No. You must set up an online account on the Synchrony Bank website first. Once your account is active, you can download the app and log in with those same credentials.
What if I lose my phone?
Log into your Synchrony Bank account on a computer or another device and change your password immediately. This will log you out of the app on your lost phone. You can also contact Synchrony Bank customer service to report the lost device and ask them to lock your account temporarily while you sort things out.
Does the app work offline?
No. The app requires an internet connection to access your account and perform transactions. You cannot view your balance or make payments without being connected to Wi-Fi or mobile data.
Can I pay other people or transfer money between banks using the app?
The app lets you make payments to your Synchrony account, but it does not have a peer-to-peer payment feature or the ability to transfer money to other banks. For those services, you would need to use a different app or contact your bank directly.