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Atom Bank: Savings reviews

Name: Savings
Rating: 4.91 (5187 reviews)

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4.91

Based on 5,187 reviews, last reviewed 22nd Mar 2026

54100% increase in 5 star reviews

in the past 90 days

700% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Interest rates are high. Interest rates are high. You dontvtecieve a barage of emails..easy to understand lay out. Reviewed on: 22nd March 2026

Latest lowest rating:

1

Poor value compared to other savings providers We have a number of savings accounts. Atom bank has been the worst by far in terms of offering one rate and then dropping the rate. Do not recommend Reviewed on: 9th March 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.

Atom Bank Savings reviews (5187)

Review of the Atom Bank, Savings:

I opened a new account with Atom and got a bonus int...

I opened a new account with Atom and got a bonus interest rate which really helped my money work harder. It was so easy to open an account using the app on my mobile phone. No fuss, it's just so easy to bank with Atom. Reviewed on: 16th April 2025

Atom Bank Outstanding

Atom Bank access through their app is a breeze, very intuitive with a simple layout. Reviewed on: 25th March 2025

Banking with Atom is easy, innovative and secure

I've had an excellent experience with Atom Bank for the last few years. Despite being hesitant to move to app-based banking - without the usual assurances of branch or web banking platform, a brief call with their customer services was very reassuring re. potential risks, even offering to research and send over extra info for me. Since then, I've kept reinvesting because I find the process so easy and straightforward, the products very competitive, and the communications I receive are clear, timely and only what is necessary for my banking - no marketing nonsense. The app is very user-friendly, feels secure (with facial and voice recognition) and also has appealing colours. Finally, I find their products innovative and meeting my needs well - I think they were almost the first to offer shorter, 6-month fixed rate bonds for example. And the Instant Reward Saver is a great idea. I hope they continue to come up with such ideas and provide a safe, secure, no-fuss banking service. Thank you Atom. Reviewed on: 25th March 2025

A very clean and minimalist product suite with a cle...

A very clean and minimalist product suite with a clear target market. So do check them out for Savings accounts and Mortgages. Excellent value as compared to other products in the market. Reviewed on: 25th March 2025

Easy access bank account

Easy to apply and set up accounts. Notifications of any changes to interest rate easy access Reviewed on: 25th March 2025

Great bank when offering competitive interest rates

Atom basically runs through the app so I have no need for any customer service support. I did get a proactive email from Atom customer service saying that I needed to change the name I was using on my bank transfer details which was useful. Not for everyone as access is through a smartphone app which may be a step too far for the digitally challenged. Also need to keep an eye on interest rates as they are not always higher than other providers, sometimes 1 year fixed rate are better elsewhere. The Instant Saver Reward account offers a good rate at the moment and is attractive so long as you can leave your money in the account without withdraws for most months so you get the reward rate. Generally Atom is a good savings provider to track and use when the rates are competitive with the market. Reviewed on: 25th March 2025

Easy to set up, clear simple information - a great b...

Easy to set up, clear simple information - a great bank for our savings. Reviewed on: 25th March 2025

Easy to open and monitor.

Easy to open and monitor. good interest rates Reviewed on: 25th March 2025

Atom had been wonderful

Had no problems with Atom been great and the interest was at a fantastic rate. Reviewed on: 25th March 2025

i have had zero issues with Atom

i have had zero issues with Atom Reviewed on: 25th March 2025

Really easy to access app.

Really easy to access app. Good fixed rates Reviewed on: 25th March 2025

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