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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

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

Declined Application

Just tried to open an account and my wife has been declined. Apparently they cannot verify her details yet we have lived at the address for just under 20 years. It sound like she has no credit history so I guess if she had huge debts she would have been accepted. But on the other hand there wouldn't have been 80k to invest! Reviewed on: 30th May 2018

Does what it says on the tin

I went for the one year saver and it was easy to set up and they kept me informed all the way through and transferred my money back when the time was up 10 out of ten Reviewed on: 4th April 2018

Refusing to return my savings

I have a Moto G phone, one of the few on the permitted list. I managed to log in with the app after 3 or 4 attempts. 6 months later Atom updated the app and it stopped working. I phoned them and obtained an undertaking that I could give them my maturity instructions over the phone. A year later, just before maturity, I phoned and, after some resistance, Atom took my instructions. I was assured my funds would be paid out on the due date. But they weren’t. When I complained they said they did not have a record of my phone call and, anyway, they do not accept instructions over the phone. So what do you do if a bank refuses to hand back your money? Update: Sent Atom a stern email and they transferred my funds to my bank. Made a formal Complaint, so we'll see. Update: Atom: "can we close the Complaint?" Me: "what are your findings?" Atom: "a colleague didn't fully capture your instructions". Me: "she made a mistake, right?" Atom, "er, yes. We're very sorry". No compensation was offered. I didn't bother asking for any. I won't be going near Atom again. Reviewed on: 7th March 2018

Reply from Atom Bank Thanks for your feedback Stephen. I'm sorry to see the experience you've had. We certainly don't want you in a position where you can't access your funds and will get this sorted out for you. Please call us on 03333990050 when it is convenient for you and we will look into what is causing the issues with your app and make sure you get your money back if it's matured now. We're open 24/7 so please call as soon as you can so we can help you get your money back. PF Response date: 9th March 2018

If I can't get the App to even open, how reliable is this bank with my money

I would desperately like to open a fixer saver except I can't get the App to work on either an iPhone or an iPad. Stuck in a loop telling me to 'Please Wait' or 'Oops that shouldn't have happened'. Customer services just told me to uninstall and reinstall the App - no luck. How safe is my money? Is this a mickey mouse bank? Reviewed on: 1st March 2018

Reply from Atom Bank Hi Helen, It's disappointing to learn how you feel about your experience of Atom so far, that's definitely not what we like to hear. We'd love to hear your feedback on why you feel our app isn't up to scratch, and discuss the issues your facing with the app. Our number is 0333 399 0050, We're always here ready to respond 24 hours a day. Many Thanks. AA Response date: 2nd March 2018

Such a poor App

Cant log into my account, App keeps sending me in a loop. Site down now until the 22nd!! Reviewed on: 20th January 2018

Reply from Atom Bank Hi Keith, Thanks for taking the time to leave feedback. While it's disappointing you feel this way about the App, your communication is much appreciated and it certainly allows us to understand where we can improve. If ever you need any support with the App, please give us a call on 0333 399 0050 and we'll always do our utmost to get you back up and running (but you should be able to gain access without any issues). Many thanks, PM. Response date: 22nd January 2018

Great Savings rate, letdown by app design

Very pleased with Atom, and very attractive saving rates. However the app is too complex and could be simplified Reviewed on: 17th January 2018

Reply from Atom Bank Hi Liam, Thanks for taking the time to leave feedback. It's great you're happy with Atom, and the rates offered. Your feelings on the app being too complex are also appreciated - as it allows us to understand how we can improve our services. It would be brilliant to know what areas of the app could be simplified, for a deeper understanding of your own personal thoughts, but we're certainly busy updating the App constantly behind the scenes too. Thanks again for the great feedback Liam. PM. Response date: 21st January 2018

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