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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)

Trash

Competitive fixed rates but when it came time to withdraw my funds, all of a sudden their authorisation methods don't work. Getting through to the customer care team was absolute hell, like they literally make it impossible for you when your money matures. I have since had 2 fixed bond accounts with different banks and have never experienced such a thing - only seamless transactions. I don't recommend Atom and very disappointed that a modern company like this could treat their customers this way. Reviewed on: 1st June 2022

Excellent friendly service

Great rates and excellent telephone service, I got a little mixed up with my computer skills but one telephone call found a very polite friendly and helpful young lady who quickly solved all my problems , Thank You very much .. Reviewed on: 13th May 2022

A totally inflexible bank

My wife and I were in the process of a house purchase when she sadly passed away. Some of the funds needed to complete this purchase are now tied up in private. I therefore requested they allow me to close my fixed saver early in order to complete the purchase. Atom refused this request stating that I would not suffer hardship by not proceed ING with the purchase. In such circumstances other banks I feel would be more flexible but Atom. Life throws out the unexpected avoid Atom if you do not wish to chance being in a situation like the one I now find myself in. Reviewed on: 9th May 2022

Unreliable

App only, no website access. Major tech issue in first day which sent me an email suggesting another bank account for withdrawals had been added to my Atom account. Phone calls and emails went unanswered. Eventually discovered through media of issue and small compensation paid. Reviewed on: 17th March 2022

10/10

Since 2017 I've held various accounts with Atom and not had one negative experience. In my opinion Atom deserve 10/10 in every respect. Reviewed on: 16th March 2022

Great online bank

Had money to deposit you gave me lots of options. Was rather sceptical using an online bank but your navigated me perfectly and I have details on my finger tips. So much easier than having to use a branch. I’m so techno on banking skills now. Reviewed on: 16th March 2022

Easy set up

banking app easy, friendly staff at end of chat/phone, good rates of interest what more can you ask for! Reviewed on: 16th March 2022

Amazing rates and quick setup

Awesome products and easy access to view transactions Reviewed on: 16th March 2022

Best rates and Best Customer Experience

My fixed saver accounts matured this month and it was so easy to set up new accounts and transfer some money to my bank account. The interest is competitive and the app is very easy to use. Only improvement would be fingerprint identification. I will definitely carry on using their fixed rate saving accounts and the Instant Savings Account. Reviewed on: 16th March 2022

Reliable on line bank

Competitive rates, helpful staff if needed very happy customer Reviewed on: 16th March 2022

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