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Atom Bank: Savings reviews

Name: Savings
Rating: 4.91 (5018 reviews)

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4.91

Based on 5,018 reviews, last reviewed 5th Mar 2026

38500% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

A quick and easy transfer with good interest rates. A quick and easy transfer with good interest rates. Reviewed on: 5th March 2026

Latest lowest rating:

1

Bad but thankfully short lived experience Short lived experience - payments kept being refused from the Atom account, despite it being completely funded. Moved to First Direct and glad I did. 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 (5018)

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

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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