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Atom Bank reviews

Atom Bank Reviews Logo
Rated Excellent • 4.91/5

Atom Bank reviews

Verified business Last reviewed within 7 days
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Review summary

People rate this company as Excellent based on 5,241 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 5241 company reviews • Last reviewed within 7 days

Atom fixed savings accounts .

Savings • 12th March 2026

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
Rated Excellent • 5/5
Read more product reviews

Good rate and easy to use.

Savings • 12th March 2026

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
Rated Good • 4/5
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  • 4/5

    Easy App

    A good rate easy to use app and great that they offer other products. Informed when interest is paid and haven't had any issues since joining

    {"display":"Sannika","full_name":"Sannika","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Sannika 12th March 2026
  • 5/5

    Elementary Atom

    App is straightforward to use and enables payments to and from a linked current account

    {"display":"MW","full_name":"MW","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    MW 12th March 2026
  • 5/5

    Easy application process , great easy friendly app ,...

    Easy application process , great easy friendly app , good communication , good competitive rates . Feel I can trust this bank with my money and have complete confidence in it .

    {"display":"Steven W","full_name":"Steven W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Steven W 12th March 2026
  • 5/5

    Generally good rates, excellent app.

    I have opened 10 savings accounts with Atom since 2016 - the app and application process has been excellent. They have usually been close to... I have opened 10 savings accounts with Atom since 2016 - the app and application process has been excellent. They have usually been close to the best savings rates or I wouldn't have used them. Read more Read less

    {"display":"Colin M","full_name":"Colin M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Colin M 12th March 2026
  • 5/5

    Easy Access and competitive Rates

    I have been with Atom over a year. The account was easy to open. I find the app very useful and informative. I have only... I have been with Atom over a year. The account was easy to open. I find the app very useful and informative. I have only spoken to Customer Services once when I first opened the account but they were veryreassuring and answered any questions that I had. The interest rates are competitive and I am happy that they have now introduced ISAs. Read more Read less

    {"display":"Den H","full_name":"Den H","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Den H 10th March 2026
  • 5/5

    Great Bank !

    Great! It's simple set up easy access good interest rates. The App is easy to use and access, the interest are straight forward to understand

    {"display":"Val M","full_name":"Val M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Val M 10th March 2026
  • 5/5

    A professional and reliable service provided to me.

    A professional and reliable service provided to me. I was also provided very good information with regards to my chosen financial package.

    {"display":"Rhys Davies","full_name":"Rhys Davies","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Rhys Davies 9th March 2026
  • 5/5

    Quality support, rare these days

    Support staff very helpful. The web site is clear but if you need help the staff are available on the phone. Rare these days

    {"display":"Trevor B","full_name":"Trevor B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Trevor B 9th March 2026
  • 1/5

    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

    {"display":"Catherine R","full_name":"Catherine R","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Catherine R 9th March 2026

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