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Atom Bank: Savings reviews

Name: Savings
Rating: 4.9 (4806 reviews)

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4.92

Based on 4,806 reviews, last reviewed 14th Feb 2026

9950% 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

Competitive Interest Rates The account was easy to open, the interest rate offered was market leading and the app is very user friendly. Reviewed on: 14th 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 (4806)

Excellent

Signed up, waited for my code to open account. Emailed to find when I can expect code. Email replied to within 1 hour. When my code came through followed the steps on the App and job done. Easy. Reviewed on: 7th September 2016

A non-starter

I applied for codes for myself and my husband. Having received both codes, we proceeded to try to open accounts. We both received an on-screen message that we were unable to open accounts. We each have multiple bank and savings accounts. I rang the company and was told it may be something wrong with the software and I might be more successful when it is updated and better able to speak to other banks. Sorry, but I don't think I want repeated searches from one bank showing on my credit history. Reviewed on: 10th August 2016

Hmmm, I waited for this?

So after registering god knows how long ago I finally get a code. I download the app... I copy the code from my email which gives me problem number 1.... there's no way to 'paste' it into the app. Why not? Isn't the point of this new bank to be different, be up to date, be slick, be easy, be a good experience you'll want to repeat and tell your friends and family about. Anyway, a bad start but....... It soon got worse!! Not only can I not paste the code in, but once I manually add it I'm presented with a picture of 'Jon' (head of Security) with a message that the code doesn't work. I double and triple check the code and go through this 3 times. Then I think, ok, the code is in capitals in the email but maybe it actually needs lowercase letters - no. I'm now a hugely frustrated ex-potential customer. You can keep your new bank and your app. I'll happily give other new banks the same crack of the whip. Maybe the guys at Atom should look at the experience Revolut provides once you download their app. Reviewed on: 22nd July 2016

Dismal

Having waited months for code got an account, later discovered that they have a limit of 10k per customer so having sent more I am still waiting for the money to be returned after eight days. Appears to be all marketing hype and not enough substance. Reviewed on: 14th July 2016

Customer service is none existent.

Applied for a fixed saver account. Got confirmation back saying they wound be in touch. Never heard nothing back despite numerous attempts using the silly APP that never takes you anywhere. It seems Atom Bank is just "another bank", dressed up in different clothes but still the same attitude as all the rest! Reviewed on: 10th July 2016

Amatuers

Having waited months for an access code I discover the codes are not sent out in a specific order.This means someone who registered yesterday can receive a code before a person who registered 12 months ago?Its a bit like walking into a branch and Atom serving the person at the back of the queue. Reviewed on: 1st July 2016

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