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Atom Bank: Savings reviews

Name: Savings
Rating: 4.91 (5208 reviews)

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4.91

Based on 5,208 reviews, last reviewed 19th Apr 2026

56100% 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

Atom Bank fixed rate and cash isa Has good fixed rates and I have a cash isa also, easy to use app, quick withdrawal within a few minutes Reviewed on: 19th 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 (5208)

Review of the Atom Bank, Savings:

Atom bank has provided a great rate of interest for...

Atom bank has provided a great rate of interest for my savings over the last two years. The app on my phone is simple to use and provides all the information I require. I would definitely recommend Atom to others. Reviewed on: 21st April 2025

Great account

Good interest rate and recently increased by them Reviewed on: 20th January 2022

Easy to set up

Couldn't believe how easy to set up accounts for myself and wife great rates to. Reviewed on: 20th January 2022

GREAT ACCOUNT

Easy to use, secure and money transfers so quick. Reviewed on: 20th January 2022

Excellent App based bank

Opened a saver account last year when interest rates were extremely poor. Decent rates, great client service. What’s not to love? Reviewed on: 20th January 2022

It just takes a SEC. - it's Simple, Easy and Convenient!

Simple to set up, Easy to operate and Convenient as you carry it around in your pocket. They've always answer any questions i have very quickly and i have never had a problem. The rates are very competitive. What more can you want!! Reviewed on: 20th January 2022

Easy Banking

So easy to use once set up that it should be called Easybanking Reviewed on: 12th January 2022

Unable to access fund for 11 days

I have their instant saver account and also previously fixed saver. It has been fine until the recent technical issues with their app. I was unable to withdraw my money for 11+ days (not even manually through the phone), during which I've contacted them numerously times, it only got resolved after I made a complaint. They did not admit their mistakes and said it was due to a regular audit check, despite their agents previously told me it's a technical issue they were having. And I know my sister was also having the same issue. Very disappointed in how Atom treated my case. I had recommended them to my families and friends before, but now I have to warn them to withdraw their money and not use them anymore! Reviewed on: 8th September 2021

Long-standing saver

I have been a customer since the start of the company. I have had several accounts mature then be reinvested in a new product. I use an iPhone 7 and iPad and apart from the very occasional problem the experience has been very good. Reviewed on: 8th September 2021

Quick and easy

This is a review of the Atom Instant Access account. The rate is very good in comparison to the market and once registered, their app and speed of transfer are super quick. Good to know with instant access - which you might need in an emergency Reviewed on: 10th March 2021

Dreadful app and no way to manage account on the web

You can only access your account using the mobile app which is very badly designed. Simple tasks take ages. There is no messaging service only a very slow online chat which is inefficient for customers and their staff. I have used hundreds of apps, and this is not a good one. It used to be worth struggling with it when Atom offered products with good interest rates but since they don't do that any longer my advice is to avoid. Reviewed on: 20th February 2021

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