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Atom Bank: Savings reviews

Name: Savings
Rating: 4.91 (5209 reviews)

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4.91

Based on 5,209 reviews, last reviewed 20th Apr 2026

13900% 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

Very easy to use. Very easy to use. Rates not always the highest but I'm very happy overall Reviewed on: 20th 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.

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Atom Bank Savings reviews (5209)

Avoid - shocking experience

A V O I D - Really disappointing service. Have an elderly parent in care with increasing care bills and despite proving the outgoing costs they’re not happy to release the saving capital (we’re 50 months into a 60 month term). It took them a month to review the case, just time wasters!! Reviewed on: 18th January 2023

Online only and competitive

Took a fixed saver out as was reasonably competitive and managed solely online so no middle men. App is good but don't need to check often given the investment. Reviewed on: 17th January 2023

Fantastic savings rates

It was so easy to set up a savings account and to manage the account too. I feel comfortable knowing that the money can only be transferred back out to the account it came from. The interest rates are great - far better than being sat in my old ISA and I get an update every month and when the interest rate changes so I always know what’s happening! Reviewed on: 14th January 2023

Impossible!

Totally impossible to open an account, they blame TransUnion, TransUnion blame Atom and it goes on Reviewed on: 11th January 2023

Attaboy Atom

Scientists took ages to split the atom but it took me minutes to sign up to Atom - thanks for making it so easy. Reviewed on: 11th January 2023

Easy, quick set up. Great rates.

No problems, like the user experience and very competitive rates that move quickly with market changes. Reviewed on: 5th November 2022

Excellent Bank

Easy to use and great interest rates. Great service with Full information of the interest rates and products etc. Reviewed on: 26th September 2022

Paying in is easy, getting money out is not.

Opening an account with a large sum was a breeze. However Atom are 3 weeks overdue with an interest payment. I have told them that they are in breach of contract and to refund the account. No sign at all that they are capable of fixing the problem. Many chats, emails and phione calls later and still no payment. Atom hang on to your money, beware.! Also notice that Atom is no longer responding to poor reviews. They gave that up 4 years ago. I am a 75 yo pensioner who relies on interest to survive. Atom must be paying people to write 5* reviews, or maybe they are only 5* for paying in money. Paying out is zero stars. If you are in the same predicament as me please complain to Atom's CEO - Mark Mullen. Reviewed on: 13th September 2022

easy to set up and run

great bank, no hassles once set up and brilliant rates for savers Reviewed on: 22nd July 2022

Problem free and reliable

Having held several saver accounts with Atom I have never has a moments trouble opening, closing or transferring funds both in and out. I have now opened an instant saver which is working seamlessly. Reviewed on: 11th June 2022

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