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Atom Bank: Savings reviews

Name: Savings
Rating: 4.9 (4806 reviews)

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4.92

Based on 4,806 reviews, last reviewed 14th Feb 2026

9950% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Competitive Interest Rates The account was easy to open, the interest rate offered was market leading and the app is very user friendly. Reviewed on: 14th February 2026

Latest lowest rating:

1

Disappointing Since opening this account the attractive headline ‘come open an account’ with us interest rate has done down three times. Not ideal! I am in the proc... Read more Reviewed on: 11th February 2026

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About this product

Atom Bank offer a range of savings accounts.

Atom Bank aim to make saving for your goals easier with account options including the Instant Saver, Instant Saver Reward and Fixed Saver. All savings accounts can be managed through the Atom Bank app.

Atom Bank savings reviews help you find out what it’s really like to be a customer. If you’ve used Atom Bank before, you can also leave a review and share your experience.

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Atom Bank Savings reviews (4806)

Rate dropped steeply after opening

Took out my Atom account last July no sooner that I did the rate plummeted to way below the BoE reduction, luckily they offered an alternative at a marginally better rate but I had to lock it for a tear Reviewed on: 11th February 2026

I've been with Atom bank for 2 years.

I've been with Atom bank for 2 years. It was easy to set up on the app, and easy to navigate around the site. I have changed my account within the site a couple of times to suit my needs. I would highly recommend Atom bank, and have done so. Reviewed on: 11th February 2026

Great Service

Fast, friendly efficient service Reviewed on: 11th February 2026

Top Marks!

Excellent interest rates, convenient & easy app to navigate. Very good security systems. Prompt & efficient customer service. My personal experience with Atom has given me great confidence in them. Top marks from me! Reviewed on: 11th February 2026

Easy to use.

Easy to use. Regular interest paid on time. No hassle transferring money in or out. Reviewed on: 11th February 2026

New account

Easy to set up new account, easy app to use good rates Reviewed on: 11th February 2026

Excellent Company for Savings

Have opened several Fixed rate bonds and an Instant Access savings account. App is easy to set up and use. Good communication from the company and competitive rates. Easy to transfer funds to and from your online account, unlike other companies. Reviewed on: 11th February 2026

It was very easy to set up and manage using only my...

It was very easy to set up and manage using only my mobile phone. The savings rates are very competitive and any changes are clearly communicated. I have had no need to contact customer service. Reviewed on: 11th February 2026

Savings account

I've had savings with Atom for a number of years and it's been very easy to manage my account via the app Reviewed on: 11th February 2026

Instant Reward Saver and Fixed Saver Accounts

Atom Bank has been excellent — easily one of the most impressive digital‑only banks I have used. Their Instant Reward Saver accounts are both brilliantly designed: competitive rates, clear terms, and effortless day‑to‑day management through an app that is fast, intuitive, and genuinely pleasant to use. Their Fixed Saver accounts are equally strong, offering some of the best rates available with a setup process that takes only minutes. Everything feels transparent and straightforward, and the overall experience is refreshingly modern. Customer support has been warm and responsive whenever I have needed it. Reviewed on: 11th February 2026

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