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Atom Bank: Savings reviews

Name: Savings
Rating: 4.38 (392 reviews)

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4.58

Based on 392 reviews, last reviewed 28th Nov 2024

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

79%

12%

Latest highest rating:

5

Easy to use app I have had 3 bonds with atom & have found the app really easy to use. No searching high & low for what I want to know, it’s all so simple. Obviously a... Read more Reviewed on: 28th November 2024

Latest lowest rating:

1

** BEWARE - Unable to withdraw savings! ** BEWARE that you might not be able to withdraw your money if you need to! Great bank until my circumstances changed and I needed to access some of ... Read more Reviewed on: 5th September 2024

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About this product

Atom Bank launched in 2016 with two savings products, their one year fixed saver, and their two year fixed saver.

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Atom Bank Savings reviews (392)

Review of the Atom Bank, Savings:

Hmmm, I waited for this?

So after registering god knows how long ago I finally get a code. I download the app... I copy the code from my email which gives me problem number 1.... there's no way to 'paste' it into the app. Why not? Isn't the point of this new bank to be different, be up to date, be slick, be easy, be a good experience you'll want to repeat and tell your friends and family about. Anyway, a bad start but....... It soon got worse!! Not only can I not paste the code in, but once I manually add it I'm presented with a picture of 'Jon' (head of Security) with a message that the code doesn't work. I double and triple check the code and go through this 3 times. Then I think, ok, the code is in capitals in the email but maybe it actually needs lowercase letters - no. I'm now a hugely frustrated ex-potential customer. You can keep your new bank and your app. I'll happily give other new banks the same crack of the whip. Maybe the guys at Atom should look at the experience Revolut provides once you download their app. Reviewed on: 22nd July 2016

Always easy to use.

Always easy to use. Never any issues Reviewed on: 13th March 2024

Brilliant app.

Brilliant app. My fixed savings account has matured but I am not deleting the app as I will definitely use again if they offer another product that’s useful to me, at a competitive rate, in future. I especially liked the future interest payments being visible in the app Reviewed on: 29th February 2024

So easy to set up an account and very competitive...

So easy to set up an account and very competitive rates Reviewed on: 26th February 2024

Simply a superb online bank with easy to sign up for...

Simply a superb online bank with easy to sign up for system, superb rates of interest and an app that just works. Having been with them for 6 months I had no hesitation reinvesting with atom and encouraging others to do the same Reviewed on: 21st February 2024

Quick and easy to open the account and a great rate!

Quick and easy to open the account and a great rate! Reviewed on: 15th February 2024

Simple app, easy to use

Easy to use app with quite competitive savings rates Reviewed on: 14th February 2024

Investor beware, they have your money!!

In January I signed up for one of their six month bonds, choosing the option of interest paid monthly. Everything seemed OK, it was all done on one of their Apps. But there was no clear confirmation of whether it was end of term or monthly payment in any of their communications. In fact I received only two emails; registration and when the balance adding period had ended. The account information on the app is basic and limited. When the first month date arrived, no funds appeared. I went on the chat and was told it wasn’t monthly? They repeated it robotically. I got no where. I told them I wouldn’t have chosen end of term and went to them because that’s what they were offering. And I was VERY careful to choose that option on sign up. Because I wanted, needed & budgeted for the income monthly. I’ve logged a compliant. They offered a ‘hardship option’ which was to take money out but that erodes my capital & voids the interest. Clearly end of term suits them because they keep the interest until the term ends. Seems like deliberately poor App information, communication & functionality. Investor beware with this company, they like keeping your money as long as possible. Reviewed on: 7th February 2024

Great app, good products and decent rate

Great app, good products and decent rate Reviewed on: 26th January 2024

Terrifyingly clever and wonderful banking experience

Seamless digital interaction with market leading products. The ease of use and intuitiveness of the website and app gives you the utmost confidence as the bank as a whole. If you need humans(!), the contact centre team are friendly, knowledgeable and professional and have never failed to go the extra mile to resolve a query. Reviewed on: 18th January 2024

Atom combine ease of use with competitive rates

Atom combine ease of use with competitive savings rates. Their app is easy to use and they are good at keeping me informed about changes to accounts and upcoming maturity decisions. Reviewed on: 17th January 2024

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