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Atom Bank: Savings reviews

Name: Savings
Rating: 4.89 (4593 reviews)

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4.92

Based on 4,593 reviews, last reviewed 14th Oct 2025

87% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Brilliant service. Brilliant service. Very efficient. Would recommend without hesitation. Reviewed on: 14th October 2025

Latest lowest rating:

1

Regular inverster Very easy fix bond.renewal / reinvest made very simple Reviewed on: 17th April 2025

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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 (4593)

Declined Application

Just tried to open an account and my wife has been declined. Apparently they cannot verify her details yet we have lived at the address for just under 20 years. It sound like she has no credit history so I guess if she had huge debts she would have been accepted. But on the other hand there wouldn't have been 80k to invest! Reviewed on: 30th May 2018

Does what it says on the tin

I went for the one year saver and it was easy to set up and they kept me informed all the way through and transferred my money back when the time was up 10 out of ten Reviewed on: 4th April 2018

Refusing to return my savings

I have a Moto G phone, one of the few on the permitted list. I managed to log in with the app after 3 or 4 attempts. 6 months later Atom updated the app and it stopped working. I phoned them and obtained an undertaking that I could give them my maturity instructions over the phone. A year later, just before maturity, I phoned and, after some resistance, Atom took my instructions. I was assured my funds would be paid out on the due date. But they weren’t. When I complained they said they did not have a record of my phone call and, anyway, they do not accept instructions over the phone. So what do you do if a bank refuses to hand back your money? Update: Sent Atom a stern email and they transferred my funds to my bank. Made a formal Complaint, so we'll see. Update: Atom: "can we close the Complaint?" Me: "what are your findings?" Atom: "a colleague didn't fully capture your instructions". Me: "she made a mistake, right?" Atom, "er, yes. We're very sorry". No compensation was offered. I didn't bother asking for any. I won't be going near Atom again. Reviewed on: 7th March 2018

Reply from Atom Bank Thanks for your feedback Stephen. I'm sorry to see the experience you've had. We certainly don't want you in a position where you can't access your funds and will get this sorted out for you. Please call us on 03333990050 when it is convenient for you and we will look into what is causing the issues with your app and make sure you get your money back if it's matured now. We're open 24/7 so please call as soon as you can so we can help you get your money back. PF Response date: 9th March 2018

If I can't get the App to even open, how reliable is this bank with my money

I would desperately like to open a fixer saver except I can't get the App to work on either an iPhone or an iPad. Stuck in a loop telling me to 'Please Wait' or 'Oops that shouldn't have happened'. Customer services just told me to uninstall and reinstall the App - no luck. How safe is my money? Is this a mickey mouse bank? Reviewed on: 1st March 2018

Reply from Atom Bank Hi Helen, It's disappointing to learn how you feel about your experience of Atom so far, that's definitely not what we like to hear. We'd love to hear your feedback on why you feel our app isn't up to scratch, and discuss the issues your facing with the app. Our number is 0333 399 0050, We're always here ready to respond 24 hours a day. Many Thanks. AA Response date: 2nd March 2018

Such a poor App

Cant log into my account, App keeps sending me in a loop. Site down now until the 22nd!! Reviewed on: 20th January 2018

Reply from Atom Bank Hi Keith, Thanks for taking the time to leave feedback. While it's disappointing you feel this way about the App, your communication is much appreciated and it certainly allows us to understand where we can improve. If ever you need any support with the App, please give us a call on 0333 399 0050 and we'll always do our utmost to get you back up and running (but you should be able to gain access without any issues). Many thanks, PM. Response date: 22nd January 2018

Great Savings rate, letdown by app design

Very pleased with Atom, and very attractive saving rates. However the app is too complex and could be simplified Reviewed on: 17th January 2018

Reply from Atom Bank Hi Liam, Thanks for taking the time to leave feedback. It's great you're happy with Atom, and the rates offered. Your feelings on the app being too complex are also appreciated - as it allows us to understand how we can improve our services. It would be brilliant to know what areas of the app could be simplified, for a deeper understanding of your own personal thoughts, but we're certainly busy updating the App constantly behind the scenes too. Thanks again for the great feedback Liam. PM. Response date: 21st January 2018

Only Apple Tablets allowed not one single Samsung or other make

Atom Bank is a waste of space their app us only designed to work on Apple phones or tablets or just a few old Samsung mobile phones ...they refuse to let it work on new Samsung tablets or any other tablets and their excuses are legion and totally nonsensical ..Clearly they live in a rarified world of rich Apple owners Reviewed on: 8th December 2017

Reply from Atom Bank Hi Frances. Thanks for your feedback. Our app works on a variety of Apple and Android devices however it doesn't work on every device. The following link gives some information around the devices we know are compatible at the moment: https://www.atombank.co.uk/supported-devices It mentions on that page how there are so many different types of mobiles and tablets with so many diverse operating systems, that we've selected the most popular devices and made sure they work perfectly with the current and previous operating system. If you'd like to discuss this further please call us on 0333 3990050. We are open 24/7 and we'd be happy to help if we can. Response date: 9th December 2017

Does exactly what it says on the tin

so easy to set up a online account that pays a good rate of interest well at todays rates at least Reviewed on: 8th December 2017

Reply from Atom Bank Hi Paul. Thanks for your feedback. Response date: 9th December 2017

Upgrades you can't actually upgrade to

Atom have made an upgrade to their software, and as you try to log onto your account it will not let you until you update on the App Store, however it fails to tell you that the update isn't on the App Store yet..so outcome is you are now locked out of your account..magic... Reviewed on: 15th November 2017

Reply from Atom Bank Hi Mike, Thank you for taking the time to leave your feedback. Oh, that's definitely not what we want to hear. If you are still having issues logging in, just give out 24 hour customer support team a call and we will look to guide you back in. Thanks again for leaving your feedback. PM. Response date: 18th November 2017

Slick app

Simple to use banking app showing progress being made from the old dinosaurs that are the high street banks. No issues, simple to use, easy to log in from a choice of password, facial recognition or voice recognition. Highly recommended. Reviewed on: 10th November 2017

Reply from Atom Bank Hi Steven Thanks for your positive feedback. It's great to hear you finding the app convenient to use, and find the app security impressive as well. It's our goal to be as simple and efficient as possible, so it's nice to hear when our customers are benefiting from this. Again many thanks. AA Response date: 11th November 2017

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