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Atom Bank: Savings reviews

Name: Savings
Rating: 4.92 (5004 reviews)

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4.92

Based on 5,004 reviews, last reviewed 4th Mar 2026

18550% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

The app is fantastic, clear and easy to use. The app is fantastic, clear and easy to use. Payment transfers take seconds to land in the payees account. Interest rates consistently higher than mos... Read more Reviewed on: 4th March 2026

Latest lowest rating:

1

Circumstances changed, couldn't withdraw fixed rate... Circumstances changed, couldn't withdraw fixed rate account even though I said I would be prepared to incur a small fee, not helpful at all, not impre... Read more Reviewed on: 4th 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.

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Atom Bank Savings reviews (5004)

Mighty Atom!

Just opened an Atom account on my iPad.......all went very smoothly......easy to set up and deposit money.. I had one query and once signed up you can access them by phone, which I did, and received very friendly and helpful customer service. I cannot understand the poor reviews on this site. Some complain about no hard copy documents......this is an "e-bank'!!!!!!!..........and I have saved documents to my Mac and then printed off and taken photo of amount saved on iPhone and then printed off via Mac, so if you want hard copies you can have them. Interest rate is as good as I can get at present and so far so good. I have found my experience so far excellent.........and if, at 70 next birthday, I can do it I would have thought those who seem to be complaining and giving low ratings ought to be able to so, also. Reviewed on: 6th November 2016

Is this realy a place to put your money?

I thought that I take advantage of the reasonable 2 year fixed term rates on offer. I installed the app, registered and thought I was ready to go. But no, my name, age and address were rejected by the app. I contacted customer service through the apps chat facility and after a long session the rep agreed that my address did exist and suggested that I entered my details manually (I had already tried this). I have lived at my address for over 25 years and have an unblemished credit record. I have probably been saved a lot of hassle and future heartache by not managing to make a deposit. For example, the app crashed when I tried to edit my profile (even though I did not make any changes). Given other comments about the lack of supporting evidence of a deposit and thus total reliance on the app I would suggest that this is a very dubious bank to give your money to. Reviewed on: 28th October 2016

I'm not intellectually challenged but found the app and customer chat very poor

I set up the app. This was fine. When I tried to open an savings account got a message that what happened should not have happened. Tried again and got same message but the app locked up completely. Tried the chat line for help but it was long-winded and chat person was not reading my messages properly so kept giving poor advice. Deleted the app. Reviewed on: 18th October 2016

No Paper Certificates / Statements

Having saved a significant sum of money with Atom I'm more than a little concerned that I have no independent proof that I deposited a penny with them. No certificate (paper or PDF), no confirmation e-mail, nothing. If there was a hiccup at Atom and the app displayed an 'unknown user error' I'm not sure if I could prove otherwise. When I mentioned my concerns to them I was told to take a screenshot of my savings summary - as if that would prove anything. Recently the Android app started crashing. I've yet to hear back from them... Reviewed on: 10th October 2016

Dreadful tech

Worst app I've ever come across. A few weeks ago the app update wiped out all my login credentials, meaning I had to call for invitation code and reset all my biometric credentials - now, just 3 weeks later, the app is totally unresponsive following the latest iOS update meaning I had to again call the call centre, get a code, delete the app, re-enter (again) my credentials - the comment about "maybe it's difficult for the intellectually stunted" is ridiculous - this morning's experience merely showed me an error screen with no menu or login options at all. Total, utter shambles from a start-up that boasted about not being trapped by legacy systems like the dinosaur banks... Reviewed on: 28th September 2016

Don't listen to the naysayers.

Opened my Fixed Saver 2 days ago -a brilliant fun app - might be a little challenging for the intellectually stunted but the whole experience has been refreshing. Not one problem so far, if you need to speak to a human they are there 24/7 and speak common sense. Can't praise them enough so far. Reviewed on: 21st September 2016

Very poor service

If this is their new style of banking they can keep it, total shamble and a waste of my time. Applied for fixed rate savings account, after a few days I contacted them to be told it was not available at the time of register. This was not the case. Reviewed on: 20th September 2016

Easy peesey and 2% interest

Must be the best product on the market. 2% for a one year fixed saver with a £100k cap. I've already dumped Santander who slashed interest on their 1-2-3 from 3% to 1.5% with a £20k cap plus £5 per month charge for the privilege. ok Santander was instant access put 1 year isn't a big tie in. The app is great and my first months interest has already been paid. Reviewed on: 12th September 2016

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

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