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Atom Bank: Savings reviews

Name: Savings
Rating: 4.81 (5210 reviews)

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4.81

Based on 5,210 reviews, last reviewed 28th Apr 2026

73% increase in 5 star reviews

in the past 90 days

150% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Continuing excellence. Never had any problems. Good savings rates.. Reviewed on: 28th April 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.

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Atom Bank Savings reviews (5210)

Easy to use since day 1

Easy to use since day 1. Straight forward app. Reviewed on: 13th March 2025

Straightforward and Uncomplicated

Simple to set up with straightforward uncomplicated product offerings. Easy phone app Reviewed on: 13th March 2025

When only the best is good enough

Simplicity is the key to everything of success. Atom are so easy and simple to deal with it makes other look as bad as they are. They keep things simple, action everything immediately and are the top of the banking tree and deservedly so. Reviewed on: 13th March 2025

Good Customer Service and Excellent Reward Rate

I signed up to Atom after reading good reviews on Money Saving Expert. After feeling satisfied there, I decided to take the plunge and move my savings from my HSBC account which, while it is great as a bank, couldn't compete with the interest rate being offered from Atom. While there was initially a little bit of confusion between setting up a Rewards Saver Account (which offered a higher interest rate) compared to the general Saver Account, I was able to speak to an agent via the app "chat" feature and they quickly directed me on how to apply for the correct account. Staff are friendly and helpful and with the use of notifications from the app, I can instantly see any money added to my account. Simple and user-friendly interface. Highly recommend! Reviewed on: 13th March 2025

User friendly

Very easy to open new account and manage everything through the app Reviewed on: 13th March 2025

Clear, simple and ethical banking, returning funds i...

Clear, simple and ethical banking, returning funds immediately over the FSA limit Reviewed on: 13th March 2025

Great UI and clarity

Products are well communicated, I could easily identify which fixed saver I wanted and how much I would make. I'm also a big fan of the user interface, I makes the whole process of saving easy and rewarding. Reviewed on: 13th March 2025

Good rates but not as good as they were

Good rates but not as good as they were Reviewed on: 13th March 2025

Everything just works.

Everything just works. Nice and simple to use, fast and secure Reviewed on: 13th March 2025

Great savings rates

Great savings rates, easy access with better rates for limited withdrawals, easy to use app, account can be opened in minutes, easy to add and withdraw funds. Reviewed on: 13th March 2025

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