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Atom Bank: Savings reviews

Name: Savings
Rating: 4.91 (5207 reviews)

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4.91

Based on 5,207 reviews, last reviewed 17th Apr 2026

56000% 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

Easy to use and set up. Easy to use and set up. Safe funds transfers. Reviewed on: 17th 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 (5207)

Review of the Atom Bank, Savings:

I opened a new account with Atom and got a bonus int...

I opened a new account with Atom and got a bonus interest rate which really helped my money work harder. It was so easy to open an account using the app on my mobile phone. No fuss, it's just so easy to bank with Atom. Reviewed on: 16th April 2025

Simple, competitive, reliable.

As a relatively new bank, you are showing the traditional banks how to offer and support competitive fixed savings products in the market. The investments are backed by FSCS and you are continuing to implement SCA in line with PSD2 as part of your strategy to provide ongoing market leading products. Keep up the good work. Reviewed on: 14th November 2019

Just super easy

From registering to depositing cash in a matter of minutes. Reviewed on: 14th November 2019

Such a cool app

A breath of fresh air and looking forward to new products to come Reviewed on: 14th November 2019

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

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