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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

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

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

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