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Atom Bank: Savings reviews

Name: Savings
Rating: 4.81 (5211 reviews)

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4.81

Based on 5,211 reviews, last reviewed 12th Jun 2026

95% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

No brainer Very easy to use, haven't needed a follow up call or anything, all went smoothly (so far). Reviewed on: 12th June 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.

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Atom Bank Savings reviews (5211)

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

Only Apple Tablets allowed not one single Samsung or other make

Atom Bank is a waste of space their app us only designed to work on Apple phones or tablets or just a few old Samsung mobile phones ...they refuse to let it work on new Samsung tablets or any other tablets and their excuses are legion and totally nonsensical ..Clearly they live in a rarified world of rich Apple owners Reviewed on: 8th December 2017

Reply from Atom Bank Hi Frances. Thanks for your feedback. Our app works on a variety of Apple and Android devices however it doesn't work on every device. The following link gives some information around the devices we know are compatible at the moment: https://www.atombank.co.uk/supported-devices It mentions on that page how there are so many different types of mobiles and tablets with so many diverse operating systems, that we've selected the most popular devices and made sure they work perfectly with the current and previous operating system. If you'd like to discuss this further please call us on 0333 3990050. We are open 24/7 and we'd be happy to help if we can. Response date: 9th December 2017

Does exactly what it says on the tin

so easy to set up a online account that pays a good rate of interest well at todays rates at least Reviewed on: 8th December 2017

Reply from Atom Bank Hi Paul. Thanks for your feedback. Response date: 9th December 2017

Upgrades you can't actually upgrade to

Atom have made an upgrade to their software, and as you try to log onto your account it will not let you until you update on the App Store, however it fails to tell you that the update isn't on the App Store yet..so outcome is you are now locked out of your account..magic... Reviewed on: 15th November 2017

Reply from Atom Bank Hi Mike, Thank you for taking the time to leave your feedback. Oh, that's definitely not what we want to hear. If you are still having issues logging in, just give out 24 hour customer support team a call and we will look to guide you back in. Thanks again for leaving your feedback. PM. Response date: 18th November 2017

Slick app

Simple to use banking app showing progress being made from the old dinosaurs that are the high street banks. No issues, simple to use, easy to log in from a choice of password, facial recognition or voice recognition. Highly recommended. Reviewed on: 10th November 2017

Reply from Atom Bank Hi Steven Thanks for your positive feedback. It's great to hear you finding the app convenient to use, and find the app security impressive as well. It's our goal to be as simple and efficient as possible, so it's nice to hear when our customers are benefiting from this. Again many thanks. AA Response date: 11th November 2017

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

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