Write a review

Go to business site

Atom Bank: Savings reviews

Name: Savings
Rating: 4.91 (5208 reviews)

View other Atom Bank products

4.91

Based on 5,208 reviews, last reviewed 19th Apr 2026

56100% increase in 5 star reviews

in the past 90 days

700% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Atom Bank fixed rate and cash isa Has good fixed rates and I have a cash isa also, easy to use app, quick withdrawal within a few minutes Reviewed on: 19th April 2026

Latest lowest rating:

1

Poor value compared to other savings providers We have a number of savings accounts. Atom bank has been the worst by far in terms of offering one rate and then dropping the rate. Do not recommend Reviewed on: 9th March 2026

Read all reviews See your review

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.

Atom Bank Savings reviews (5208)

Review of the Atom Bank, Savings:

Love it why not!

Love how easy it was to open an account and move money when needed, with great interest rates why not. Reviewed on: 21st April 2025

Simple, Easy and good value

Really easy setup, app is great and the rates are always decent Reviewed on: 3rd February 2025

Simple and Great Value.

Simple and Great Value. UK based. What more could you want! Reviewed on: 3rd February 2025

So easy to deal with, the account set up was easy an...

So easy to deal with, the account set up was easy and the app a doddle to use Reviewed on: 30th January 2025

seamless service

Easy setup, lovely onboarding and seamless service ever since. Very clear messaging. Reviewed on: 30th January 2025

Fantastic rates, easy to set up and a super simple app!

Fantastic rates, easy to set up and a super simple app! Reviewed on: 13th January 2025

Easy to use app

I have had 3 bonds with atom & have found the app really easy to use. No searching high & low for what I want to know, it’s all so simple. Obviously atom need to also have a competitive rate for me to open a bond with them, which they have had. I would easily recommend this bank to friends & family that do online banking. Reviewed on: 28th November 2024

Great app with great rates

Atom is app only, and years ago it wasn't great. Rejoining this year; things have improvement massively. The app is more snappy and easy to navigate, and the accounts you can open in it have great rates. They also make it easy to have multiple fixed accounts, and offer short term accounts too; which is nice if you're saving with a date in mind. Reviewed on: 9th September 2024

** BEWARE - Unable to withdraw savings!

** BEWARE that you might not be able to withdraw your money if you need to! Great bank until my circumstances changed and I needed to access some of my savings. Atom refused to allow me to with draw funds from the 1yr fixed saver account. They will only allow you to withdraw if you go through the 'Financial Hardship' process and they expect you to prove that you need the money before letting you withdraw. Who's money is it? So complaint made and now I'm off to log the complaint with the FCA. Reviewed on: 5th September 2024

Great savings’ rates and a very user friendly App

Great savings’ rates and a very user friendly App Reviewed on: 4th September 2024

Very simple to use app with great interest rates.

Very simple to use app with great interest rates. Reviewed on: 23rd August 2024

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

Instant Access Savings
from Ulster Bank 3.74 from 12 reviews
Savings
from Chase Bank 4.94 from 23014 reviews
Online Bonus Saver
from HSBC 4.27 from 14 reviews

Want to see more from Atom Bank?

Business Loans
from Atom Bank 4.18 from 7 reviews
Mortgages
from Atom Bank 3.80 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