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Atom Bank: Savings reviews

Name: Savings
Rating: 4.9 (4812 reviews)

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4.92

Based on 4,812 reviews, last reviewed 20th Feb 2026

10250% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Excellent App & Competitive Rates Their app is really easy to use and their rates paid very competitive. Reviewed on: 20th February 2026

Latest lowest rating:

1

Disappointing Since opening this account the attractive headline ‘come open an account’ with us interest rate has done down three times. Not ideal! I am in the proc... Read more Reviewed on: 11th February 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 (4812)

Watch out for version of operating system you're on

Have been a savings customer for a year or two. Based on interest rate you can't fault them. However the old version of the app was atrocious, obviously written by a child. But they have released a new version which is marginally better. But as a result one of my devices is no longer supported. That left me with just smart phone access. The speed is so slow it's verging on unusable. I'm on Android version 8. It turns out they only fully support the two latest versions. This is totally unacceptable. I have NO other speed problems with ANY other app. My device will not be upgraded (Moto), and I'm certainly not buying a new device just because of Atom. The difference in interest rates is marginal so any new money is going elsewhere. If national interest rates weren't so low, it wouldn't stand a chance with performance like this. It's entered the market at a good time for them and has effectively a captive audience. Reviewed on: 10th February 2020

Good savings product

A good experience saving for a fixed period of time recommended via Martin Lewis, always a good backing to have! Competitive interest rates for fixed term saving. Track savings via app. Interest rate paid out upon maturity of fixed term. Reviewed on: 9th February 2020

Simple

Really simple and easy to use. My moneys safe and easy to use app Reviewed on: 22nd January 2020

Avoid like the plague

Wish I could give 0 stars to this company. After signing up to an account with a compatible device and handing over a large sum of money, this company decides to remove support for my device just prior to my account maturing from its fixed period, with no prior warning preventing me accessing my account... Furthermore they do not list which devices are compatible only a list of OS which may be currently supported and no details of how long they will be supported for so i am now expected to go and buy a new device which will probably cost as much as any interest i have earnt in the last 2 years just so i can access my money. This seems very much like it could be a tactic to keep hold of a customers money for a bank in financial struggles... if i were you i would stay well away! UPDATE: I have now been told: "I understand how frustrating it is when a device that has worked previously no longer supports the App you are using. This can happen when a device or App upgrade takes place. Because of this possibility we do advise on page 3 of your App T&Cs, under the heading Device Compatibility, that customers make sure that they own a compatible device with a compatible operating system for the entire term of any products they may have with us." Dont try and blame a customer when they conplain... I have kept my device which was compatible for the term of the contract inline with your Terms and conditions, YOU have moved the goalposts! Reviewed on: 21st January 2020

App no longer works

Latest app update 'no longer compatible with my phone' Advice was use another phone, dowload the app on it and see if it will work on it! What a way to run a bank. Reviewed on: 18th January 2020

No hassle

Good value. Hassle free. Excellent customer service.What more do you want? Reviewed on: 15th November 2019

Simple, competitive, reliable.

As a relatively new bank, you are showing the traditional banks how to offer and support competitive fixed savings products in the market. The investments are backed by FSCS and you are continuing to implement SCA in line with PSD2 as part of your strategy to provide ongoing market leading products. Keep up the good work. Reviewed on: 14th November 2019

Just super easy

From registering to depositing cash in a matter of minutes. Reviewed on: 14th November 2019

Such a cool app

A breath of fresh air and looking forward to new products to come Reviewed on: 14th November 2019

Easy, friendly app and great interest rate pay out

I love Atom and can't understand why more savers don't take the plunge and put their money there. They offer good interest rates. It was really easy to set up and I love the app, it's friendly and has never failed to work. What is there not to love. Reviewed on: 21st July 2019

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