Voting in the British Bank Awards 2020 is now open.
VOTE NOW

Atom Bank Reviews

Ratings based on 86 reviews Last review 4 days ago
2.73 / 5Good 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 that...

Read Full Description

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 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.

5 28
4 9
3 3
2 4
1 42

Your Atom Bank Reviews (86)

Write a review
21st January 2020

Avoid like the plague

Wish I could give 0 stars to this...

Read more

Wish I could give 0 stars to this company. 
After signing up to an account with a compatible device and handing over a large sum of money, this company decides to remove support for my device just prior to my account maturing from its fixed period, with no prior warning preventing me accessing my account... Furthermore they do not list which devices are compatible only a list of OS which may be currently supported and no details of how long they will be supported for so i am now expected to go and buy a new device which will probably cost as much as any interest i have earnt in the last 2 years just so i can access my money. 
This seems very much like it could be a tactic to keep hold of a customers money for a bank in financial struggles... if i were you i would stay well away!

UPDATE:
I have now been told:
"I understand how frustrating it is when a device that has worked previously no longer supports the App you are using. This can happen when a device or App upgrade takes place. Because of this possibility we do advise on page 3 of your App T&Cs, under the heading Device Compatibility, that customers make sure that they own a compatible device with a compatible operating system for the entire term of any products they may have with us."

Dont try and blame a customer when they conplain... I have kept my device which was compatible for the term of the contract inline with your Terms and conditions, YOU have moved the goalposts!

Write a review
11th November 2018

Couldn't sign up cos I have no debts

Spent days researching. Signed in and set up account ok but then told owing to a thin credit file my application was declined. Even though I was looking to put money in not take it out. Asked to have my data removed but told they can't do that for 6...

Read more

Spent days researching. Signed in and set up account ok but then told owing to a thin credit file my application was declined. Even though I was looking to put money in not take it out. Asked to have my data removed but told they can't do that for 6 years even though I got declined. Staggering.

Write a review
10th October 2018

Unable to log in to app so can't access account

Like many other people, I have tried to log in and keep getting that "This shouldn't have happened" message. I rang the bank and a very helpful person tried to get me logged in, then took me through clearing data, then adding my device, then deleting...

Read more

Like many other people, I have tried to log in and keep getting that "This shouldn't have happened" message. I rang the bank and a very helpful person tried to get me logged in, then took me through clearing data, then adding my device, then deleting and reinstalling the app. Nothing helped. She has sent my problem to the IT department and said it might take up to two days for them to contact me. This is extremely poor and frustrating. Reason enough to close my account when it matures and not open any more with Atom Bank. Disappointing.

Write a review
1st August 2018

Still issues with App & advice

As other reviews mentioned, the app is poorly designed. If you can’t log in, it ask you to try again, and again, and again. No further advice ever appears. There is a help button that gives the customer service telephone number. They told me that they ...

Read more

As other reviews mentioned, the app is poorly designed. If you can’t log in, it ask you to try again, and again, and again. No further advice ever appears. There is a help button that gives the customer service telephone number. They told me that they cannot help until there system can see you have failed to log in. So they stayed on the line while I tried another 5 times to log in, but they couldn’t see it in their system, so they said they have to investigate further.

Write a review
30th May 2018

Declined Application

Just tried to open an account and my wife has been declined. Apparently they cannot verify her details yet we have lived at the address for just under 20 years. It sound like she has no credit history so I guess if she had huge debts she would have...

Read more

Just tried to open an account and my wife has been declined. Apparently they cannot verify her details yet we have lived at the address for just under 20 years. It sound like she has no credit history so I guess if she had huge debts she would have been accepted. But on the other hand there wouldn't have been 80k to invest!

Write a review
7th March 2018

Refusing to return my savings

I have a Moto G phone, one of the few on the permitted list. I managed to log in with the app after 3 or 4 attempts. 6 months later Atom updated the app and it stopped working. I phoned them and obtained an undertaking that I could give them my...

Read more

I have a Moto G phone, one of the few on the permitted list. I managed to log in with the app after 3 or 4 attempts. 6 months later Atom updated the app and it stopped working. I phoned them and obtained an undertaking that I could give them my maturity instructions over the phone. A year later, just before maturity, I phoned and, after some resistance, Atom took my instructions. I was assured my funds would be paid out on the due date. But they weren’t. When I complained they said they did not have a record of my phone call and, anyway, they do not accept instructions over the phone. So what do you do if a bank refuses to hand back your money?
Update:
Sent Atom a stern email and they transferred my funds to my bank. Made a formal Complaint, so we'll see.
Update:
Atom: "can we close the Complaint?"
Me: "what are your findings?"
Atom: "a colleague didn't fully capture your instructions".
Me: "she made a mistake, right?"
Atom, "er, yes. We're very sorry".
No compensation was offered. I didn't bother asking for any. I won't be going near Atom again.

Reply from Atom Bank
Thanks for your feedback Stephen. I'm sorry to see the experience you've had. We certainly don't want you in a position where you can't access your funds and will get this sorted out for you. Please call us on 03333990050 when it is convenient for you and we will look into what is causing the issues with your app and make sure you get your money back if it's matured now. We're open 24/7 so please call as soon as you can so we can help you get your money back. PF
Write a review
1st March 2018

If I can't get the App to even open, how reliable is this bank with my money

I would desperately like to open a fixer saver except I can't get the App to work on either an iPhone or an iPad. Stuck in a loop telling me to 'Please Wait' or 'Oops that shouldn't have happened'. Customer services just told me to uninstall and...

Read more

I would desperately like to open a fixer saver except I can't get the App to work on either an iPhone or an iPad. Stuck in a loop telling me to 'Please Wait' or 'Oops that shouldn't have happened'. Customer services just told me to uninstall and reinstall the App - no luck. How safe is my money? Is this a mickey mouse bank?

Reply from Atom Bank
Hi Helen, It's disappointing to learn how you feel about your experience of Atom so far, that's definitely not what we like to hear. We'd love to hear your feedback on why you feel our app isn't up to scratch, and discuss the issues your facing with the app. Our number is 0333 399 0050, We're always here ready to respond 24 hours a day. Many Thanks. AA
Write a review
20th January 2018

Such a poor App

Cant log into my account, App keeps sending me in a loop. Site down now until the 22nd!!

Reply from Atom Bank
Hi Keith, Thanks for taking the time to leave feedback. While it's disappointing you feel this way about the App, your communication is much appreciated and it certainly allows us to understand where we can improve. If ever you need any support with the App, please give us a call on 0333 399 0050 and we'll always do our utmost to get you back up and running (but you should be able to gain access without any issues). Many thanks, PM.
Write a review
17th January 2018

Great Savings rate, letdown by app design

Very pleased with Atom, and very attractive saving rates. However the app is too complex and could be simplified

Reply from Atom Bank
Hi Liam, Thanks for taking the time to leave feedback. It's great you're happy with Atom, and the rates offered. Your feelings on the app being too complex are also appreciated - as it allows us to understand how we can improve our services. It would be brilliant to know what areas of the app could be simplified, for a deeper understanding of your own personal thoughts, but we're certainly busy updating the App constantly behind the scenes too. Thanks again for the great feedback Liam. PM.

Articles related to Atom Bank