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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

Better than all the rest banks and building societies!

Only found out about this UK bank today and immediately opened a small Fixed Term/Fixed Interest Rate account. Where else can you get this great rate on deposit with UK FCS cover?Fairly easy to setup on my android phone although the voice recognition part took several tries before it was happy with my voice. Cash sent from my linked bank account this evening so hope to see it in my new Atom account tomorrow. Reviewed on: 27th February 2017

Happy customer

Open a fixed saver account with Atom yesterday , I'm not particularly good with using internet but found it very easy to set up account , spoke to Alex on chat he was very friend and helpful , interest rate is great and I know it's early days but would recommend this bank. I'm a it nervous about every thing being online only so I'm going to take pictures of account numbers and amount in account to use as a copy for my files . Reviewed on: 27th February 2017

Registration

I have a Samsung mobile phone and a Samsung tablet. I have tried to down load the app from Play Store but get the message \your device isn't compatible with this version\" Seems you have to have a very up-to date devices otherwise you cannot use this bank.""" Reviewed on: 26th February 2017

Easy to open

Opened an account today in about ten minutes. Very easy and nice fresh modern approach to opening account. Contacted help "talk to us" feature re one question I had, got contact straight away and helpful quick answer. Can't fault it so far! Great Ap. Reviewed on: 26th February 2017

Very impressed

I've taken out a 1 year fixed rate saving account,was very impressed how easy their site is also the added security of voice and facial recognition .it was quick and easy to navigate through. Reviewed on: 25th February 2017

wasted time

tried about 10 times to open a savings account was declined.made a phone call another waste of time, never had such problems with other bank applications. Reviewed on: 25th February 2017

Early experiences have been excellent

It's a novel procedure to open an account, on a phone (or tablet) with voice recognition and face recognition for security, but it all works well (on my Android, Moto G4). I needed to speak to someone over a couple of queries and found there help line easy to access and informative. Interest rates are as good as you can find with full £85K protection, so definitely worth considering. Reviewed on: 17th February 2017

Waste of time

I've wasted about 2 hours trying to open an account with Atom. I did the face recognition bit but then when I tried to enter my details it just chucked me out time after time. I must have tried 20 times. 2 calls to their 'customer service' number (Katie and Samantha) achieved nothing. I was going to deposit £75K for 5 years. Went to Ikano Bank instead - so easy - took less than 5 minutes' - wish I'd gone to them first - same interest rate. DON'T WASTE YOUR TIME WITH ATOM is my advice! Reviewed on: 10th February 2017

so far excellent experience

Can only assume that the negative reviews on the site were written when the app was experiencing problems or still had issues that needed ironing out. I opened an account and made a deposit today in the space of half an hour from downloading the app to making the deposit. The app was a complete pleasure to use, all info clear and straightforward, and the 3 security steps (passcode, face recognition, voice recognition) plus clear reminders as to where on the app all my account info is saved, put my mind at rest about using a phone app for a savings account (something I had never done previously) All in all, so far so good Reviewed on: 25th January 2017

Its still just a work in progress.

On 16 January 17 I downloaded the app to my iPad2 (with up to date iOS), was directed to enter my email address for "a device code", presumably to get started, pressed the only option of "continue" to then get the message "That shouldn't have happened" and had to return to the home page. I went round this circle 3x before loosing patience. If a new customer with £000s to invest for some years can't even get past the public access deposit step, what's the chances of even getting your money back, never mind the stated interest? This may be the future of banking, but right now its still a work in progress, so "I'M OUT"! Reviewed on: 16th January 2017

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