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Atom Bank: Savings reviews

Name: Savings
Rating: 4.92 (4867 reviews)

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4.92

Based on 4,867 reviews, last reviewed 3rd Mar 2026

12700% 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

Reliable Have invested three times now, always with a competitive rate Reviewed on: 3rd March 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 (4867)

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

Good, no fuss savings accounts with generous interest

Easy to open, good online security feature, great interest offered - best I could find Reviewed on: 24th December 2016

An improvement

A good experience with the call centre today who expressed genuine concern about the issues, and went through probable causes and solutions. Reviewed on: 14th December 2016

Reply from Atom Bank Thanks for your feedback Jeremy, pleased you’ve had a good experience with our customer support team. If you ever need us, we’re here 24/7 :) Response date: 23rd December 2016

Have to delete/redownload app TWICE in a week and re-enter everything

Since downloading the app, on 4 occasions it has crashed ("unable to verify your system, please try later") meaning I had to delete the app; re-download; and re-do/re-enter all my biometrics. On Monday of this week, I called to get it sorted, was told "No need to ever delete/re-do everything, just call". Which I did today when - after just 3 days working - I again had the same message with no login or navigation options, just a frozen screen. Just off the phone to be told "you will in fact have to delete and reinstall" Now - my iPhone6+ running iOS10 has not changed since Monday when I could log in (after a phone call) - I've never encountered a worse banking app in my entire life - totally unreliable, one day it might let you in, another not. None of my other banking apps have ever failed to let me access login screen/options - only this one. I'm going to start a diary on twitter on a daily basis to record when it does/does not work. Reviewed on: 9th December 2016

Reply from Atom Bank Hi Jeremy, I believe this is now all sorted out. If you ever need us pop through on App chat or call us on 0333 399 0050. Thanks :) Response date: 23rd December 2016

Room for improvement...

I agree with a lot of what's been written here. Overwhelming feeling is that it's a bit half baked at this stage, but who knows, it can only really get better! Reviewed on: 4th December 2016

Reply from Atom Bank Thanks for letting us know your thoughts Sam, we really value honest feedback. We’re always looking for ways to improve. Response date: 23rd December 2016

Brilliant start to life as a bank - superb experience - fun and secure

This new challenger bank was fresh and new. Brilliant security features from day one with voice recognition and face recognition. And whenever you log in it is so clear and quick what your investments are, when they were made and what money you're making. Can't fault. Reviewed on: 21st November 2016

Reply from Atom Bank Hi Jeremy, I believe this is now all sorted out. If you ever need us pop through on App chat or call us on 0333 399 0050. Thanks :) Response date: 23rd December 2016

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