Write a review

Atom Bank: Savings reviews

Name: Savings
Rating: 4.89 (4592 reviews)

View other Atom Bank products

4.93

Based on 4,592 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Good product offers fair returns Good product offers fair returns Reviewed on: 5th September 2025

Latest lowest rating:

1

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

Read all reviews Write a review

About this product

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

Already an Atom Bank savings customer? Leave a review and let others know about your experience with the ultra-modern banking app.

Or are you looking for Atom Bank reviews? See what people are saying below about the one-year fixed savings account.

At Smart Money People, we're changing financial services for the better.

Review Atom Bank: Savings now

Help others make smarter decisions by sharing your own experience.

Write a review

Atom Bank Savings reviews (4592)

Happy customer

Open a fixed saver account with Atom yesterday , I'm not particularly good with using internet but found it very easy to set up account , spoke to Alex on chat he was very friend and helpful , interest rate is great and I know it's early days but would recommend this bank. I'm a it nervous about every thing being online only so I'm going to take pictures of account numbers and amount in account to use as a copy for my files . Reviewed on: 27th February 2017

Registration

I have a Samsung mobile phone and a Samsung tablet. I have tried to down load the app from Play Store but get the message \your device isn't compatible with this version\" Seems you have to have a very up-to date devices otherwise you cannot use this bank.""" Reviewed on: 26th February 2017

Easy to open

Opened an account today in about ten minutes. Very easy and nice fresh modern approach to opening account. Contacted help "talk to us" feature re one question I had, got contact straight away and helpful quick answer. Can't fault it so far! Great Ap. Reviewed on: 26th February 2017

Very impressed

I've taken out a 1 year fixed rate saving account,was very impressed how easy their site is also the added security of voice and facial recognition .it was quick and easy to navigate through. Reviewed on: 25th February 2017

wasted time

tried about 10 times to open a savings account was declined.made a phone call another waste of time, never had such problems with other bank applications. Reviewed on: 25th February 2017

Early experiences have been excellent

It's a novel procedure to open an account, on a phone (or tablet) with voice recognition and face recognition for security, but it all works well (on my Android, Moto G4). I needed to speak to someone over a couple of queries and found there help line easy to access and informative. Interest rates are as good as you can find with full £85K protection, so definitely worth considering. Reviewed on: 17th February 2017

Waste of time

I've wasted about 2 hours trying to open an account with Atom. I did the face recognition bit but then when I tried to enter my details it just chucked me out time after time. I must have tried 20 times. 2 calls to their 'customer service' number (Katie and Samantha) achieved nothing. I was going to deposit £75K for 5 years. Went to Ikano Bank instead - so easy - took less than 5 minutes' - wish I'd gone to them first - same interest rate. DON'T WASTE YOUR TIME WITH ATOM is my advice! Reviewed on: 10th February 2017

so far excellent experience

Can only assume that the negative reviews on the site were written when the app was experiencing problems or still had issues that needed ironing out. I opened an account and made a deposit today in the space of half an hour from downloading the app to making the deposit. The app was a complete pleasure to use, all info clear and straightforward, and the 3 security steps (passcode, face recognition, voice recognition) plus clear reminders as to where on the app all my account info is saved, put my mind at rest about using a phone app for a savings account (something I had never done previously) All in all, so far so good Reviewed on: 25th January 2017

Its still just a work in progress.

On 16 January 17 I downloaded the app to my iPad2 (with up to date iOS), was directed to enter my email address for "a device code", presumably to get started, pressed the only option of "continue" to then get the message "That shouldn't have happened" and had to return to the home page. I went round this circle 3x before loosing patience. If a new customer with £000s to invest for some years can't even get past the public access deposit step, what's the chances of even getting your money back, never mind the stated interest? This may be the future of banking, but right now its still a work in progress, so "I'M OUT"! Reviewed on: 16th January 2017

Cannot open account using the App

I've had 4 attempts at opening a fixed term savings account using the App. Each time I get to the point where I've entered my address, the App tells me I've lost my internet connection. I'm connected using wi-fi. Customer support asked me to try again over 3G, but no signal here. Reviewed on: 12th January 2017

Do you have a different Atom Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Private Clients Savings
from Investec 4.70 from 5 reviews
Deposit Account
from The Co-operative Bank 3.59 from 11 reviews
Charity Saver
from Triodos Bank 4.96 from 150 reviews

Want to see more from Atom Bank?

Business Loans
from Atom Bank 4.26 from 7 reviews
Mortgages
from Atom Bank 3.87 from 50 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub