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Atom Bank reviews

Atom Bank Reviews Logo
Rated Excellent • 4.91/5

Atom Bank reviews

Verified business Last reviewed within 14 days
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Review summary

People rate this company as Excellent based on 5,250 product reviews

Average score of 4.91/5
5 star
94%
4 star
5%
3 star
0%
2 star
0%
1 star
1%
Reviews for Atom Bank have trended negatively over the past 90 days

Atom Bank’s Savings product is loved for its easy-to-use app and competitive interest rates that make saving straightforward and rewarding. People appreciate the clear communication, quick account setup, and helpful customer service that feels personal and efficient. However, some have been disappointed by falling interest rates and occasional app login issues, plus a few wish for more product options like ISAs or business accounts.

Positive themes

  • Atom Bank Savings app is super easy to use and makes managing money a breeze.
  • Atom Bank Savings offers consistently competitive interest rates that keep savers happy.
  • Customer service for Atom Bank Savings is friendly and quick to help when needed.

Negative themes

  • Interest rates on Atom Bank Savings have dropped and aren’t as competitive now.
  • Some users find the Atom Bank Savings app login tricky or slow at times.
  • Limited product options like no ISA or business accounts frustrate some savers.
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About Atom Bank

Atom Bank was the UK’s first app-based bank. It offers digital mortgages, business loans and fixed savings accounts. It aims to be fair and transparent, and act in the best interests of its customers...a bank that "really doesn't act like a bank at all." We collect Atom Bank reviews from genuine account holders to give you valuable insight into the provider.

So whether you're looking for reviews of their launch product, the fixed term savings account, their new digital mortgages, or their long anticipated current account, take a look below to see what our community is saying about their experiences of using the app.

Find out why customers chose Atom Bank and how satisfied they’ve been. Learn more about the signup process and Atom Bank’s customer service. Read about the pros and cons of being an Atom Bank customer. All of this and more can be found in our Atom Bank reviews.

If you’re an Atom Bank account holder, share your experience with our Smart Money People community. What made you choose Atom Bank and would you recommend the provider to family and friends? What has your experience been like with the app? What sort of features does it have and do you find it easy to use? Do you have any interactions with the customer service team? Share all of the pros and cons you’ve experienced and leave an honest Atom Bank review on Smart Money People today.

Atom Bank at a glance

Reviews for Atom Bank

Showing 11 of 5250 company reviews • Last reviewed within 14 days

Easy to set up account on line and very user friendl...

Savings • 25th March 2026

Easy to set up account on line and very user friendly app makes it easy to manage savings also vey competitive interest rates paid, so... Easy to set up account on line and very user friendly app makes it easy to manage savings also vey competitive interest rates paid, so overall a good range of products and easy to contact by phone for any qut Read more Read less

{"display":"Katie B","full_name":"Katie B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
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I have been with Atom for a few years.

Savings • 25th March 2026

I have been with Atom for a few years and never had any problems at all. Good service and rates.

{"display":"Robert S","full_name":"Robert S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
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  • 5/5

    Beautifully designed digital experience

    I really enjoy the simplicity of the digital experience. It is really well designed.

    {"display":"THOMAS M","full_name":"THOMAS M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    THOMAS M 25th March 2026
  • 5/5

    Good place for savings

    Good savings products combined with an easy to use app makes Atom a sensible choice.

    {"display":"Mark W","full_name":"Mark W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Mark W 24th March 2026
  • 5/5

    Great online savings bank

    I needed a new savings bank with competitive interest rates and I found the Instant Saver Rewards account at Atom Bank to be very useful,... I needed a new savings bank with competitive interest rates and I found the Instant Saver Rewards account at Atom Bank to be very useful, simple to set up, all online and super convenient on my phone. I have deposited and withdrawn and it is very easy to manage. I did research their customer service reviews at the start and they were positive but I have no comment to make as I have never had an issue with the bank of any kind so never contacted them. Read more Read less

    {"display":"TJ","full_name":"TJ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    TJ 24th March 2026
  • 5/5

    Instant saver yo Cash ISA

    I had an instant saver and have recently opened a cash ISA. So easy to do and a good rate. A no trainer for me... I had an instant saver and have recently opened a cash ISA. So easy to do and a good rate. A no trainer for me as I have access if I need it in an emergency Read more Read less

    {"display":"Sannika","full_name":"Sannika","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Sannika 24th March 2026
  • 5/5

    Interest rates are high.

    Interest rates are high. You dontvtecieve a barage of emails..easy to understand lay out.

    {"display":"S P","full_name":"S P","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    S P 22nd March 2026
  • 5/5

    Basic straightforward banking. Recommended

    Decent interest rates, had an issue opening the app on mobile phone but customer service resolved it. Nice app.

    {"display":"Nick C","full_name":"Nick C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Nick C 20th March 2026
  • 5/5

    Just a good no messing bank that offers good savings...

    Just a good no messing bank that offers good savings rates and is there when you need it. first class! Keep you up to date and efficiently run.

    {"display":"Anthony Heath","full_name":"Anthony Heath","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Anthony Heath 16th March 2026
  • 5/5

    Atom fixed savings accounts .

    Very good interest for their fixed rate savings accounts. App easy to use.

    {"display":"merciowusu@yahoo.com","full_name":"merciowusu@yahoo.com","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    Good rate and easy to use.

    Good rate and easy to use. No problems in opening.

    {"display":"Nick D","full_name":"Nick D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Nick D 12th March 2026

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