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Atom Bank: Savings reviews

Name: Savings
Rating: 4.91 (5194 reviews)

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4.91

Based on 5,194 reviews, last reviewed 9th Apr 2026

54700% 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

Solid app. Solid app. Competitive rates. Good customer service. Has a lot of potential if marketed right and small improvements to the process of funding the acc... Read more Reviewed on: 9th 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 (5194)

Review of the Atom Bank, Savings:

Everything you want from a savings account

Easy to navigate, good rates, excellent communication, speedy transfers. Reviewed on: 21st April 2025

Easy, friendly app and great interest rate pay out

I love Atom and can't understand why more savers don't take the plunge and put their money there. They offer good interest rates. It was really easy to set up and I love the app, it's friendly and has never failed to work. What is there not to love. Reviewed on: 21st July 2019

Great rates - really useful app

Opened my fixed saver account - was updated along the way by the app and it was really useful to check where I was at different stages. Rate was fantastic and I felt I could trust Atom Reviewed on: 14th January 2019

Good rate but not continuously

Great rate on opening but poor rate on renewal Reviewed on: 3rd December 2018

Excellent bank

The bank offers great rates and also has a great app for access to accounts. Reviewed on: 12th November 2018

Couldn't sign up cos I have no debts

Spent days researching. Signed in and set up account ok but then told owing to a thin credit file my application was declined. Even though I was looking to put money in not take it out. Asked to have my data removed but told they can't do that for 6 years even though I got declined. Staggering. Reviewed on: 11th November 2018

Great rate

Great rate, easy App, although the new rates are not so good Reviewed on: 9th November 2018

Incompetent

Problems, issues, lies but no videotape to record it all. Avoid atom bank if you value your sanity. Reviewed on: 15th October 2018

Unable to log in to app so can't access account

Like many other people, I have tried to log in and keep getting that "This shouldn't have happened" message. I rang the bank and a very helpful person tried to get me logged in, then took me through clearing data, then adding my device, then deleting and reinstalling the app. Nothing helped. She has sent my problem to the IT department and said it might take up to two days for them to contact me. This is extremely poor and frustrating. Reason enough to close my account when it matures and not open any more with Atom Bank. Disappointing. Reviewed on: 10th October 2018

Still issues with App & advice

As other reviews mentioned, the app is poorly designed. If you can’t log in, it ask you to try again, and again, and again. No further advice ever appears. There is a help button that gives the customer service telephone number. They told me that they cannot help until there system can see you have failed to log in. So they stayed on the line while I tried another 5 times to log in, but they couldn’t see it in their system, so they said they have to investigate further. Reviewed on: 1st August 2018

Opening account with Samsung Note 4

The first time I attempted to open the account the app got stuck on checking my voice recording and I had to force the app to close. Tried again the following morning and everything worked, even on my old phone. Reviewed on: 15th June 2018

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