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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

F3 year fixed savings

Good rate of interest. So easy to sign up, open the account and deposit funds and the APP is brilliant. Reviewed on: 7th November 2017

Reply from Atom Bank Hi Paul Thanks for leaving your positive feedback. It's great to hear you found it easy to open an account with us, and are impressed by our interest rates. I'm also pleased to hear you've had such a positive experience with our app, it's what we like to hear! we're always updating and improving things. Thanks again for your feedback, and it's great to have you on board Paul. AA Response date: 12th November 2017

Good rates and customer service

It may be harder to grasp for people who are not well versed in technology. However, I have found it is the perfect choice for me, the rates are the best I have seen available to me and I can't touch it for a year, which is always good. The app works fine on my phone (Sony xperia xz) and seems very secure to me. Their help chat within the app is also very useful and replies are quick. I would recommend this to my parents, cousins, aunts and uncles, but not my grandparents. Reviewed on: 10th September 2017

Reply from Atom Bank Hello Charlotte, Thank you for sharing your thoughts on the App. It's brilliant to know you're enjoying it. Enjoy banking with Atom, it's great to have you on board. Many thanks, Paul. Response date: 10th September 2017

Total waste of timme

Have tried on 2 previous occasions to open an account with this bank. Failed completely. If this is an app only bank, how can it be trusted when it's software is so bad that it takes forever to log in and then totally fails to allow you to open an Reviewed on: 6th September 2017

Reply from Atom Bank Hi David, Thanks for taking your time to write this review. It's disappointing you haven't had a great experience with the app. If there's any specific feedback you'd like to give us, please feel free to give us a call on 0333 399 0050. We're open 24/7 and We'd love to hear from you. We are a new bank and always improving our app, so we appreciate your comments and this will be fed back to the design and development team. We're always striving to make the bank and app itself as good as it can possibly be, and we are just beginning our journey so things are still a work in progress in some aspects. With feedback and our dedicated team constantly developing new functions with the customer in mind, we aim to make the app as seamless as possible. Again, thank you for your feedback and for taking the time to leave this. SFL. Response date: 7th September 2017

Recording problem with Android app

I tried about 10 times to get into my account using voice recognition but repeatedly got an error message which straddled the text I was supposed to record. It looks a very complicated android message. Fortunately the lovely call centre guy explained how to log in using password (not convenient when I am on the move) so I can see my money is still there. It needs sorting before I deposit the next £10K. Reviewed on: 23rd August 2017

Reply from Atom Bank Hi Moira, Thank you for your feedback. It would be interesting to know what the error message was that you had on the voice recognition screen. If you are still able to record, despite the presence of the error message, we could provide the required script for the voice recognition for you if you feel that is the security feature you mostly wish to use. Alternatively, you could opt to use face recognition while you are on the move. You'll find the 3 bio metrics options at the top of the screen after clicking 'Log In' when first accessing the App, and select the camera to give that feature a try. If you have any further difficulties, or questions about using the App in the way your really feel you would like to be, just give us a call on 0333 399 0050. We're here 24/7 and there's never a bad time to get in touch. I hope this information has helped, and thanks again for your feedback. Many thanks. Response date: 25th August 2017

Great App

Easy experience. Only difficulty was the voice recognition which took 3 attempts Reviewed on: 24th June 2017

Reply from Atom Bank Hi there, Thank you for leaving us this feedback. It's great to know you found the app easy to use and we would like to welcome you to the Atom family. We appreciate you taking the time to write this, and hope you continue to enjoy the app. Response date: 19th July 2017

Good experience

Registered, Logged on, Transferred funds into Fixed saver without any problems. I decided to change to voice log on from face and carried this out without problem. Recommended this to my brother who did have a problem registering. Reviewed on: 21st June 2017

Reply from Atom Bank Hi Martin. Thanks for the feedback. Please encourage your brother to contact us as we'd be happy to help him get registered. He can reach us via email on [email protected] or call 03333990050. We are open 24/7. Response date: 21st June 2017

Amazing - opened an account in minutes

I installed the app and opened a savings account in minutes and the facial recognition login is so easy to use. The user interface is very different to conventional internet banking platforms, but is very clear and intuitive. This might sound a bit like Atom's own marketing, but for me this app and Atom's platform looks like the future. Reviewed on: 21st June 2017

Reply from Atom Bank Hi Paul. Thanks for the feedback. I'm glad you're finding the app easy to use. Just give us a shout if you have any questions or queries at any time. Response date: 21st June 2017

difficult to log on

Have wasted 2 hours trying to log on. even rang and contacted them online but all they came up with was reload the app each time, I have an account already but cannot access it through the android app have used up all suggestions on how to log on. This app is useless. Reviewed on: 12th June 2017

Reply from Atom Bank Hi Brian, Thank you for leaving this - we appreciate all feedback, especially if we can help our customers remedy the issue. It's always disappointing to hear when a customer feels let down by the app, so I'd like to ask you to give us a call on 0333 399 0050 and we can discuss this further with you. I'd love for us to fix the issue for you as it sounds like something with a relativity simple resolution. Please get in touch so we can troubleshoot this, Brian. Again, thanks for leaving this review and we look forward to hearing from you. Response date: 14th June 2017

GOD SEND APP!

I have always gone for easy access accounts and found them dull and boring I've found this fun to set up and with voice and face recognition the app feels great for security factor. I had no problems setting up and spoke to customer service advisors Paul and Julie via online chat who was very helpful with a few questions I had. It would be nice for customers to be able to develop their own logo but I guess there will hope for this in the future. I really can't fault it at all... keep up the good work Atom Reviewed on: 25th March 2017

Reply from Atom Bank Thanks so much for taking the time to write this review, Kellie. It's great that you find our app refreshing to use and we're happy to hear you can tell security is a big deal to us! Customers can create their own colour pallet and personalise the look of the app to ensure it is individual - we do have a logo functionality in there too, however we do like feedback on things you'd like to see included in the app, so thank you for your input. We will keep up the good work, Kellie! Response date: 27th March 2017

Beyond frustrating

Tried to open an account via the amazing app and after 3 attempts I still couldn't give them my money. Sounds like this is a common problem! I'll wait until the app is a bit more developed. Reviewed on: 12th March 2017

Reply from Atom Bank Thanks for leaving your review Andrew, I'm sorry to hear your experience with our app wasn't a smooth one. We're constantly updating and we do take all customer feedback on board as we continue to develop our app. We'd like to speak with you to see if there is anything more we can do to help, you can reach us 24/7 on 0333 399 0050. Response date: 22nd March 2017

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