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Atom Bank: Savings reviews

Name: Savings
Rating: 4.91 (5194 reviews)

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4.91

Based on 5,194 reviews, last reviewed 9th Apr 2026

27300% 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

Solid app. Solid app. Competitive rates. Good customer service. Has a lot of potential if marketed right and small improvements to the process of funding the acc... Read more Reviewed on: 9th 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

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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.

Atom Bank Savings reviews (5194)

Review of the Atom Bank, Savings:

Everything you want from a savings account

Easy to navigate, good rates, excellent communication, speedy transfers. Reviewed on: 21st April 2025

6 Month Fixed Saver

My 6 Month Fixed saver matured with excellent returns. Very easy process Reviewed on: 27th March 2024

Always easy to use.

Always easy to use. Never any issues Reviewed on: 13th March 2024

Brilliant app.

Brilliant app. My fixed savings account has matured but I am not deleting the app as I will definitely use again if they offer another product that’s useful to me, at a competitive rate, in future. I especially liked the future interest payments being visible in the app Reviewed on: 29th February 2024

So easy to set up an account and very competitive...

So easy to set up an account and very competitive rates Reviewed on: 26th February 2024

Simply a superb online bank with easy to sign up for...

Simply a superb online bank with easy to sign up for system, superb rates of interest and an app that just works. Having been with them for 6 months I had no hesitation reinvesting with atom and encouraging others to do the same Reviewed on: 21st February 2024

Quick and easy to open the account and a great rate!

Quick and easy to open the account and a great rate! Reviewed on: 15th February 2024

Simple app, easy to use

Easy to use app with quite competitive savings rates Reviewed on: 14th February 2024

Investor beware, they have your money!!

In January I signed up for one of their six month bonds, choosing the option of interest paid monthly. Everything seemed OK, it was all done on one of their Apps. But there was no clear confirmation of whether it was end of term or monthly payment in any of their communications. In fact I received only two emails; registration and when the balance adding period had ended. The account information on the app is basic and limited. When the first month date arrived, no funds appeared. I went on the chat and was told it wasn’t monthly? They repeated it robotically. I got no where. I told them I wouldn’t have chosen end of term and went to them because that’s what they were offering. And I was VERY careful to choose that option on sign up. Because I wanted, needed & budgeted for the income monthly. I’ve logged a compliant. They offered a ‘hardship option’ which was to take money out but that erodes my capital & voids the interest. Clearly end of term suits them because they keep the interest until the term ends. Seems like deliberately poor App information, communication & functionality. Investor beware with this company, they like keeping your money as long as possible. Reviewed on: 7th February 2024

Great app, good products and decent rate

Great app, good products and decent rate Reviewed on: 26th January 2024

Terrifyingly clever and wonderful banking experience

Seamless digital interaction with market leading products. The ease of use and intuitiveness of the website and app gives you the utmost confidence as the bank as a whole. If you need humans(!), the contact centre team are friendly, knowledgeable and professional and have never failed to go the extra mile to resolve a query. Reviewed on: 18th January 2024

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