Atom Bank Reviews

Ratings based on 29 reviews Last review 11 hours ago
2.48 / 5Average overall rating

Atom Bank reviews can help you to get the inside track on this new mobile-first bank based in Durham and looking to disrupt banking as we know it.

Atom Bank aims to be fair and transparent, and act in the best interests of its customers...a bank...

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that "really doesn't act like a bank at all."

So whether you're looking for reviews of their launch product, the fixed term savings account, their new digital mortgages, or their long anticipated current account, take a look below to see what our community is saying about their experiences of using the app. Smart Money People is the number 1 place online for your Atom Bank reviews. Using your reviews, we can help to increase trust and transparency in financial services.

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Your Atom Bank Reviews (29)

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27th February 2017

Happy customer

Open a fixed saver account with Atom yesterday , I'm not particularly good with using internet but found it very easy to set up account , spoke to Alex on chat he was very friend and helpful , interest rate is great and I know it's early days but would recommend...

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Open a fixed saver account with Atom yesterday , I'm not particularly good with using internet but found it very easy to set up account , spoke to Alex on chat he was very friend and helpful , interest rate is great and I know it's early days but would recommend this bank. I'm a it nervous about every thing being online only so I'm going to take pictures of account numbers and amount in account to use as a copy for my files .

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26th February 2017

Easy to open

Opened an account today in about ten minutes. Very easy and nice fresh modern approach to opening account. Contacted help "talk to us" feature re one question I had, got contact straight away and helpful quick answer. Can't fault it so far! Great Ap.

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Opened an account today in about ten minutes. Very easy and nice fresh modern approach to opening account. Contacted help "talk to us" feature re one question I had, got contact straight away and helpful quick answer. Can't fault it so far! Great Ap.

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17th February 2017

Early experiences have been excellent

It's a novel procedure to open an account, on a phone (or tablet) with voice recognition and face recognition for security, but it all works well (on my Android, Moto G4). I needed to speak to someone over a couple of queries and found there help line easy...

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It's a novel procedure to open an account, on a phone (or tablet) with voice recognition and face recognition for security, but it all works well (on my Android, Moto G4). I needed to speak to someone over a couple of queries and found there help line easy to access and informative. Interest rates are as good as you can find with full £85K protection, so definitely worth considering.

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10th February 2017

Waste of time

I've wasted about 2 hours trying to open an account with Atom. I did the face recognition bit but then when I tried to enter my details it just chucked me out time after time. I must have tried 20 times. 2 calls to their 'customer service' number (Katie...

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I've wasted about 2 hours trying to open an account with Atom. I did the face recognition bit but then when I tried to enter my details it just chucked me out time after time. I must have tried 20 times. 2 calls to their 'customer service' number (Katie and Samantha) achieved nothing. I was going to deposit £75K for 5 years. Went to Ikano Bank instead - so easy - took less than 5 minutes' - wish I'd gone to them first - same interest rate. DON'T WASTE YOUR TIME WITH ATOM is my advice!

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25th January 2017

so far excellent experience

Can only assume that the negative reviews on the site were written when the app was experiencing problems or still had issues that needed ironing out. I opened an account and made a deposit today in the space of half an hour from downloading the app to...

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Can only assume that the negative reviews on the site were written when the app was experiencing problems or still had issues that needed ironing out.

I opened an account and made a deposit today in the space of half an hour from downloading the app to making the deposit.

The app was a complete pleasure to use, all info clear and straightforward, and the 3 security steps (passcode, face recognition, voice recognition) plus clear reminders as to where on the app all my account info is saved, put my mind at rest about using a phone app for a savings account (something I had never done previously)

All in all, so far so good

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16th January 2017

Its still just a work in progress.

On 16 January 17 I downloaded the app to my iPad2 (with up to date iOS), was directed to enter my email address for "a device code", presumably to get started, pressed the only option of "continue" to then get the message "That shouldn't have happened" and...

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On 16 January 17 I downloaded the app to my iPad2 (with up to date iOS), was directed to enter my email address for "a device code", presumably to get started, pressed the only option of "continue" to then get the message "That shouldn't have happened" and had to return to the home page.
I went round this circle 3x before loosing patience.
If a new customer with £000s to invest for some years can't even get past the public access deposit step, what's the chances of even getting your money back, never mind the stated interest?
This may be the future of banking, but right now its still a work in progress, so "I'M OUT"!

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12th January 2017

Cannot open account using the App

I've had 4 attempts at opening a fixed term savings account using the App. Each time I get to the point where I've entered my address, the App tells me I've lost my internet connection. I'm connected using wi-fi. Customer support asked me to try again over...

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I've had 4 attempts at opening a fixed term savings account using the App. Each time I get to the point where I've entered my address, the App tells me I've lost my internet connection. I'm connected using wi-fi. Customer support asked me to try again over 3G, but no signal here.

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9th December 2016

Have to delete/redownload app TWICE in a week and re-enter everything

Since downloading the app, on 4 occasions it has crashed ("unable to verify your system, please try later") meaning I had to delete the app; re-download; and re-do/re-enter all my biometrics. On Monday of this week, I called to get it sorted, was told "No...

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Since downloading the app, on 4 occasions it has crashed ("unable to verify your system, please try later") meaning I had to delete the app; re-download; and re-do/re-enter all my biometrics.

On Monday of this week, I called to get it sorted, was told "No need to ever delete/re-do everything, just call".

Which I did today when - after just 3 days working - I again had the same message with no login or navigation options, just a frozen screen.

Just off the phone to be told "you will in fact have to delete and reinstall"

Now - my iPhone6+ running iOS10 has not changed since Monday when I could log in (after a phone call) - I've never encountered a worse banking app in my entire life - totally unreliable, one day it might let you in, another not. None of my other banking apps have ever failed to let me access login screen/options - only this one. I'm going to start a diary on twitter on a daily basis to record when it does/does not work.

Reply from Atom Bank
Hi Jeremy, I believe this is now all sorted out. If you ever need us pop through on App chat or call us on 0333 399 0050. Thanks :)
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4th December 2016

Room for improvement...

I agree with a lot of what's been written here. Overwhelming feeling is that it's a bit half baked at this stage, but who knows, it can only really get better!

Reply from Atom Bank
Thanks for letting us know your thoughts Sam, we really value honest feedback. We’re always looking for ways to improve.
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21st November 2016

Brilliant start to life as a bank - superb experience - fun and secure

This new challenger bank was fresh and new. Brilliant security features from day one with voice recognition and face recognition. And whenever you log in it is so clear and quick what your investments are, when they were made and what money you're making....

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This new challenger bank was fresh and new. Brilliant security features from day one with voice recognition and face recognition. And whenever you log in it is so clear and quick what your investments are, when they were made and what money you're making. Can't fault.

Reply from Atom Bank
Hi Jeremy, I believe this is now all sorted out. If you ever need us pop through on App chat or call us on 0333 399 0050. Thanks :)
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17th November 2016

Atom Bank needs to go back to basics

Afrer messing about installing apps and trying to get a saver account open the system tells me I cannot be identified using their checks. One wonders exactly what checks they are using when Tesco Bank, Charter Savings Bank and Metro Bank all managed to identifiy...

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Afrer messing about installing apps and trying to get a saver account open the system tells me I cannot be identified using their checks. One wonders exactly what checks they are using when Tesco Bank, Charter Savings Bank and Metro Bank all managed to identifiy me without any problems. Looks like a work in progress to me- and probably best avoided

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10th November 2016

The worst mobile banking app I've ever come across

For the third time, tapping the app brings up a screen "Sorry we were unable to connect and verify the application on your device, please try again". Previous two times this happened, had to delete the app, call the call centre to get a code, re-download...

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For the third time, tapping the app brings up a screen "Sorry we were unable to connect and verify the application on your device, please try again".

Previous two times this happened, had to delete the app, call the call centre to get a code, re-download app and register afresh, and re-enter boimetrics.

This time? No such luck as "we don't give codes out now that we're up and running". So - first call to call centre - "delete the app and re-download it, all will be well"

Second call, when this did not work "Are you connected to wifi? Maybe try re-starting your phone".

Done that, still cannot get an screen on the app other than a pic of the Head of Compliance and the error message above.

This is - without doubt - the worst, most unreliable, digitally-ancient app I have ever come across in my entire life. None of my "dinosaur bank" apps have ever done this, and Atom clearly has a problem on the app update front.

See no point in using it - and don't even get me started on the few occasions when I was able to get beyond the error screen and then it would/would not recognise my login.

Waste of time.

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