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Atom Bank reviews

Atom Bank Reviews Logo
Rated Excellent • 4.51/5

Atom Bank reviews

Verified business

Review summary

People rate this company as Excellent based on 445 product reviews

Average score of 4.51/5
5 star
77%
4 star
6%
3 star
1%
2 star
2%
1 star
14%
Reviews for Atom Bank have trended positively over the past 90 days

Latest positive rating

5/5

Easy to use app

I have had 3 bonds with atom & have found the app really easy to use. No searching high & low for what I want... I have had 3 bonds with atom & have found the app really easy to use. No searching high & low for what I want to know, it’s all so simple. Obviously atom need to also have a competitive rate for me to open a bond with them, which they have had. I would easily recommend this bank to friends & family that do online banking. Read more Read less

{"display":"Mark W","full_name":"Mark W","avatar":{"url":"\/assets\/uploads\/avatars\/users\/868471.png"}}'s avatar
Savings
Mark W 28th November 2024

Latest negative rating

1/5

** BEWARE - Unable to withdraw savings!

** BEWARE that you might not be able to withdraw your money if you need to! Great bank until my circumstances changed and I needed... ** BEWARE that you might not be able to withdraw your money if you need to! Great bank until my circumstances changed and I needed to access some of my savings. Atom refused to allow me to with draw funds from the 1yr fixed saver account. They will only allow you to withdraw if you go through the 'Financial Hardship' process and they expect you to prove that you need the money before letting you withdraw. Who's money is it? So complaint made and now I'm off to log the complaint with the FCA. Read more Read less

{"display":"Simon J","full_name":"Simon J","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Savings
Simon J 5th September 2024
See more reviews for Atom Bank products

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 445 company reviews

Easy to use app

Savings • 28th November 2024

I have had 3 bonds with atom & have found the app really easy to use. No searching high & low for what I want... I have had 3 bonds with atom & have found the app really easy to use. No searching high & low for what I want to know, it’s all so simple. Obviously atom need to also have a competitive rate for me to open a bond with them, which they have had. I would easily recommend this bank to friends & family that do online banking. Read more Read less

{"display":"Mark W","full_name":"Mark W","avatar":{"url":"\/assets\/uploads\/avatars\/users\/868471.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews

Great app with great rates

Savings • 9th September 2024

Atom is app only, and years ago it wasn't great. Rejoining this year; things have improvement massively. The app is more snappy and easy to... Atom is app only, and years ago it wasn't great. Rejoining this year; things have improvement massively. The app is more snappy and easy to navigate, and the accounts you can open in it have great rates. They also make it easy to have multiple fixed accounts, and offer short term accounts too; which is nice if you're saving with a date in mind. Read more Read less

{"display":"Richard P","full_name":"Richard P","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews
  • 1/5

    ** BEWARE - Unable to withdraw savings!

    ** BEWARE that you might not be able to withdraw your money if you need to! Great bank until my circumstances changed and I needed... ** BEWARE that you might not be able to withdraw your money if you need to! Great bank until my circumstances changed and I needed to access some of my savings. Atom refused to allow me to with draw funds from the 1yr fixed saver account. They will only allow you to withdraw if you go through the 'Financial Hardship' process and they expect you to prove that you need the money before letting you withdraw. Who's money is it? So complaint made and now I'm off to log the complaint with the FCA. Read more Read less

    {"display":"Simon J","full_name":"Simon J","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Simon J 5th September 2024
  • 5/5

    Great savings’ rates and a very user friendly App

    Great savings’ rates and a very user friendly App

    {"display":"Jamie Challoner","full_name":"Jamie Challoner","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Jamie Challoner 4th September 2024
  • 5/5

    Very simple to use app with great interest rates.

    Very simple to use app with great interest rates.

    {"display":"Anthony Johnson","full_name":"Anthony Johnson","avatar":{"url":"\/assets\/uploads\/avatars\/users\/420081.png"}}'s avatar
    Savings
    Anthony Johnson 23rd August 2024
  • 1/5

    Name must be on the mortgage to live there

    Basically applied for a mortgage and got accepted only to find out that me and my boyfriend cannot live together as he won’t be on... Basically applied for a mortgage and got accepted only to find out that me and my boyfriend cannot live together as he won’t be on the mortgage. He is a student and is due to qualify next august but until then they won’t allow him to move in. I have had to sign paperwork stating he won’t live there etc but now I have been refused the mortgage as they do not believe that he won’t live there before being added on to the mortgage. What sort of company won’t allow someone to live in a property without being on the mortgage…..its crazy Read more Read less

    {"display":"Danielle m","full_name":"Danielle m","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Mortgages
    Danielle m 2nd August 2024
  • 5/5

    Really easy to open account

    Really easy to open account, and see all details online

    {"display":"Trifolium","full_name":"Trifolium","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Trifolium 17th June 2024
  • 5/5

    Great for savings

    I have multiple savings accounts with Atom and they are always quick to send out information and a very easy product to set up in their app.

    {"display":"Vikki M","full_name":"Vikki M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Vikki M 6th June 2024
  • 5/5

    Easy and informative

    Excellent clear communications. The App is well designed and easy to navigate. Answers to any queries are easy to find on the App and its... Excellent clear communications. The App is well designed and easy to navigate. Answers to any queries are easy to find on the App and its intuitive nature means that your time is not wasted and frustration is kept at bay. The product descriptions are interactive and informative and the interest rates have always been competitive. The instant illustration of ‘what you right earn’ is really helpful and it’s not an’example’ figure as you can enter the precise amount you want to invest. Read more Read less

    {"display":"Peter Melling","full_name":"Peter Melling","avatar":{"url":"\/assets\/uploads\/avatars\/users\/595911.png"}}'s avatar
    Savings
    Peter Melling 24th May 2024
  • 5/5

    Instant confirm when you move money which I really l...

    Instant confirm when you move money which I really like great app , easy to use and competitive rates for instant access as well as... Instant confirm when you move money which I really like great app , easy to use and competitive rates for instant access as well as a variety of fixed - highly recommend ! Read more Read less

    {"display":"malcs girl ","full_name":"malcs girl ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    malcs girl 24th May 2024
  • 4/5

    Easy to use app.

    Easy to use app. Consistantly good products and competitive interest rates

    {"display":"bostonwasp","full_name":"bostonwasp","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    bostonwasp 16th April 2024

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