Quick and easy

This is a review of the Atom Instant Access account. The rate is very good in comparison to the market and once registered, their app and speed of transfer are super quick. Good to know with instant access - which you might need in an emergency

Reviewed on 10th March 2021

Mark

Dreadful app and no way to manage account on the web

You can only access your account using the mobile app which is very badly designed. Simple tasks take ages. There is no messaging service only a very slow online chat which is inefficient for customers and their staff. I have used hundreds of apps,... Read more

You can only access your account using the mobile app which is very badly designed. Simple tasks take ages. There is no messaging service only a very slow online chat which is inefficient for customers and their staff. I have used hundreds of apps, and this is not a good one. It used to be worth struggling with it when Atom offered products with good interest rates but since they don't do that any longer my advice is to avoid.

Reviewed on 20th February 2021

Simon Tompsett

Great bank and product

A great bank with a great savings account. Easy to add and withdraw money to and from nominated bank account. Using facial recognition as an ID is great, easy to use and so secure.

Reviewed on 17th February 2021

steveteach

Nightmare

The app might work, but nothing else does. I echo the last reviewer. Every bank needs to have security procedures to avoid fraud but this bank takes it to planet moron. It is impossible to get money out of the fixed saver without practically... Read more

The app might work, but nothing else does. I echo the last reviewer. Every bank needs to have security procedures to avoid fraud but this bank takes it to planet moron. It is impossible to get money out of the fixed saver without practically giving a DNA sample and it's even impossible to pay money in, without being put through forensic processes. They manage to make the simplest of transactions so onerous that basically you just start to lose the will to live. I don't have enough words to describe the idiocy and lack of common sense that prevails in their processes.

Reviewed on 12th December 2020

A.M.O

Avoid at all cost

If I could give 0 stars I would. I have a fixed rate saver which I have taken out for 12 months at a time. I am currently mid way through my third year with atom. I have tried to take some money out due to financial hardship because of covid. My... Read more

If I could give 0 stars I would. I have a fixed rate saver which I have taken out for 12 months at a time. I am currently mid way through my third year with atom. I have tried to take some money out due to financial hardship because of covid. My husband is furloughed and 2 of my adult children have lost their jobs and moved back home. I have sent documentation to show my newly accrued debt but still they will not release my money. People often talk about responsible lending but but what about responsible saving, atom bank are more than happy allow me to to get into debt rather than part with my money.

Reviewed on 14th October 2020

Stephanie Kyle

Easy to use

Easy to apply and use app, great customer service

Reviewed on 30th April 2020

Nic

App that doesn't work. Poor customer service.

Opened an account 10 months ago. Tried to log on to update my linked current account details , and the App. didn't work. Message saying go to PlayStore to update the App. so I tried. NO NEW APP. AVAILABLE for my device. They had made App. obsolete for... Read more

Opened an account 10 months ago. Tried to log on to update my linked current account details , and the App. didn't work. Message saying go to PlayStore to update the App. so I tried. NO NEW APP. AVAILABLE for my device. They had made App. obsolete for Android devices operating on older systems , but NOT bothered to properly notify customers. I downloaded the App. on my mobile 'phone , but it would not recognise my registered face despite 30+ attempts. Their biometrics is crude and rubbish. Most frustrating and disappointing banking experience in 40 years of banking. Avoid this company and look for similar rates elsewhere.

Reviewed on 27th March 2020

Paul Bateson

Watch out for version of operating system you're on

Have been a savings customer for a year or two. Based on interest rate you can't fault them. However the old version of the app was atrocious, obviously written by a child. But they have released a new version which is marginally... Read more

Have been a savings customer for a year or two. Based on interest rate you can't fault them. However the old version of the app was atrocious, obviously written by a child. But they have released a new version which is marginally better.
But as a result one of my devices is no longer supported.
That left me with just smart phone access.
The speed is so slow it's verging on unusable. I'm on Android version 8. It turns out they only fully support the two latest versions.
This is totally unacceptable. I have NO other speed problems with ANY other app.
My device will not be upgraded (Moto), and I'm certainly not buying a new device just because of Atom.
The difference in interest rates is marginal so any new money is going elsewhere.
If national interest rates weren't so low, it wouldn't stand a chance with performance like this. It's entered the market at a good time for them and has effectively a captive audience.

Reviewed on 10th February 2020

Dave

Good savings product

A good experience saving for a fixed period of time recommended via Martin Lewis, always a good backing to have! Competitive interest rates for fixed term saving. Track savings via app. Interest rate paid out upon maturity of fixed term.

Reviewed on 9th February 2020

Fiona sutherland

Simple

Really simple and easy to use. My moneys safe and easy to use app

Reviewed on 22nd January 2020

Ema Allan

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!

Reviewed on 21st January 2020

Dan

App no longer works

Latest app update 'no longer compatible with my phone' Advice was use another phone, dowload the app on it and see if it will work on it! What a way to run a bank.

Reviewed on 18th January 2020

Grant Webster

No hassle

Good value. Hassle free. Excellent customer service.What more do you want?

Reviewed on 15th November 2019

GeordieT

Simple, competitive, reliable.

As a relatively new bank, you are showing the traditional banks how to offer and support competitive fixed savings products in the market. The investments are backed by FSCS and you are continuing to implement SCA in line with PSD2 as part of your... Read more

As a relatively new bank, you are showing the traditional banks how to offer and support competitive fixed savings products in the market. The investments are backed by FSCS and you are continuing to implement SCA in line with PSD2 as part of your strategy to provide ongoing market leading products. Keep up the good work.

Reviewed on 14th November 2019

Mike

Just super easy

From registering to depositing cash in a matter of minutes.

Reviewed on 14th November 2019

TomR

Such a cool app

A breath of fresh air and looking forward to new products to come

Reviewed on 14th November 2019

Neil Atkin

Easy, friendly app and great interest rate pay out

I love Atom and can't understand why more savers don't take the plunge and put their money there. They offer good interest rates. It was really easy to set up and I love the app, it's friendly and has never failed to work. What is there not to love.

Reviewed on 21st July 2019

Elayne

Great rates - really useful app

Opened my fixed saver account - was updated along the way by the app and it was really useful to check where I was at different stages. Rate was fantastic and I felt I could trust Atom

Reviewed on 14th January 2019

Jane McPherson

Good rate but not continuously

Great rate on opening but poor rate on renewal

Reviewed on 3rd December 2018

David Underwood

Excellent bank

The bank offers great rates and also has a great app for access to accounts.

Reviewed on 12th November 2018

Stevemackey