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Atom Bank reviews

Atom Bank Reviews Logo
Rated Excellent • 4.92/5

Atom Bank reviews

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Verified business Last reviewed within 7 days
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Review summary

People rate this company as Excellent based on 4,863 product reviews

Average score of 4.92/5
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 app is a dream to use—simple, clear, and quick, making saving a breeze. Their savings accounts offer competitive, often top-tier interest rates that keep people coming back. Customer service is friendly and efficient, with real humans ready to help when needed. On the downside, a few found the app’s biometric features intrusive or glitchy, and some experienced delays or confusion with account access or interest payments. A couple wished for more product variety or better communication on certain details.

Positive themes

  • Atom Bank’s app is super easy to use and makes managing savings straightforward.
  • Atom Bank offers consistently competitive interest rates that really make saving worthwhile.
  • Customer service at Atom Bank is friendly and quick to help when you need it.

Negative themes

  • Some found the app’s biometric login intrusive or unreliable.
  • A few had trouble accessing accounts or experienced slow problem resolution.
  • Interest payment options caused confusion and poor communication in one case.
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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 4863 company reviews • Last reviewed within 7 days

Competitive Interest Rates

Savings • 14th February 2026

The account was easy to open, the interest rate offered was market leading and the app is very user friendly.

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

Easiest bank app to use.

Savings • 13th February 2026

Easiest bank app to use. Interest is good and paid on time and on maturity money is returned immediately.

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

    Excellent interest rates.

    Excellent interest rates. straightforward and easy to use app even for oldies like me. Good upfront and honest information. I thoroughly recommend Atom Bank.

    {"display":"Rufus G","full_name":"Rufus G","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Rufus G 13th February 2026
  • 5/5

    they usually have the best savings rates going.

    they usually have the best savings rates going. I particularly like the 6 month fixed rate savings as other rates can change while your money... they usually have the best savings rates going. I particularly like the 6 month fixed rate savings as other rates can change while your money is tied up and 6 months is not very long to wait. You then get the opportunity to take your money or another rate with atom. Read more Read less

    {"display":"bryan s","full_name":"bryan s","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    bryan s 13th February 2026
  • 5/5

    A recommended Bank

    I’ve had a good experience with Atom, competitive rates and user friendly app.

    {"display":"Mick F","full_name":"Mick F","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Mick F 13th February 2026
  • 5/5

    Excellent site, very responsive if have questions no...

    Excellent site, very responsive if have questions not already covered, and good rates of interest.

    {"display":"Anne H","full_name":"Anne H","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Anne H 13th February 2026
  • 5/5

    Good product.

    Good easy to use app. Regular updates, easy to read statements etc.

    {"display":"David B","full_name":"David B","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1134389.png"}}'s avatar
    Savings
    David B 13th February 2026
  • 5/5

    Easy to use, very professional with very good commun...

    Easy to use, very professional with very good communication.

    {"display":"Michael R","full_name":"Michael R","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Michael R 13th February 2026
  • 5/5

    Good savings account with easy App for access

    Their savings account has a good interest rate. The Atom bank App is easy to use and works very well. I really like the account... Their savings account has a good interest rate. The Atom bank App is easy to use and works very well. I really like the account history tab, it gives a scrollable timeline of all events, rate changes, payments in and out, plus interest payments. Read more Read less

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

    Excellent on app experience and interest rate attrac...

    Excellent on app experience and interest rate attractive

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

    Great rates easy access to banking services

    Great rates easy access to banking services

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

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