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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)

Great rates - really useful app

Opened my fixed saver account - was updated along the way by the app and it was really useful to check where I was at different stages. Rate was fantastic and I felt I could trust Atom Reviewed on: 14th January 2019

Good rate but not continuously

Great rate on opening but poor rate on renewal Reviewed on: 3rd December 2018

Excellent bank

The bank offers great rates and also has a great app for access to accounts. Reviewed on: 12th November 2018

Couldn't sign up cos I have no debts

Spent days researching. Signed in and set up account ok but then told owing to a thin credit file my application was declined. Even though I was looking to put money in not take it out. Asked to have my data removed but told they can't do that for 6 years even though I got declined. Staggering. Reviewed on: 11th November 2018

Great rate

Great rate, easy App, although the new rates are not so good Reviewed on: 9th November 2018

Incompetent

Problems, issues, lies but no videotape to record it all. Avoid atom bank if you value your sanity. Reviewed on: 15th October 2018

Unable to log in to app so can't access account

Like many other people, I have tried to log in and keep getting that "This shouldn't have happened" message. I rang the bank and a very helpful person tried to get me logged in, then took me through clearing data, then adding my device, then deleting and reinstalling the app. Nothing helped. She has sent my problem to the IT department and said it might take up to two days for them to contact me. This is extremely poor and frustrating. Reason enough to close my account when it matures and not open any more with Atom Bank. Disappointing. Reviewed on: 10th October 2018

Still issues with App & advice

As other reviews mentioned, the app is poorly designed. If you can’t log in, it ask you to try again, and again, and again. No further advice ever appears. There is a help button that gives the customer service telephone number. They told me that they cannot help until there system can see you have failed to log in. So they stayed on the line while I tried another 5 times to log in, but they couldn’t see it in their system, so they said they have to investigate further. Reviewed on: 1st August 2018

Opening account with Samsung Note 4

The first time I attempted to open the account the app got stuck on checking my voice recording and I had to force the app to close. Tried again the following morning and everything worked, even on my old phone. Reviewed on: 15th June 2018

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

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