Smart Money People Logo
Go to business site

Voting in the British bank awards 2026 is open - Vote here

Share this page
Link copied

Atom Bank reviews

Atom Bank Reviews Logo
Rated Excellent • 4.92/5

Atom Bank reviews

Verified businesses always have up to date contact details and can respond to reviews.

Verified business Last reviewed within 7 days
Write a review

Review summary

People rate this company as Excellent based on 4,658 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 positively 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.
Summarised by AI
Was this helpful?

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 4658 company reviews • Last reviewed within 7 days

All savings accounts are easy to set up and transfer...

Savings • 24th January 2026

All savings accounts are easy to set up and transfer between .better rates than the big banks

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

Excellent Bank.

Savings • 23rd January 2026

Only had to use customer service once and it was very good, the point being that Atom hasn't raised any problems, the onetime was a... Only had to use customer service once and it was very good, the point being that Atom hasn't raised any problems, the onetime was a mistake by myself. I have used many of their accounts and have found them very competitive. Transfers in and out are handled quickly. Read more Read less

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

    Top ratings for ATOM.

    Website easy to navigate. Shows everything at your fingertips. Great interest rates. Keep going back for more.

    {"display":"Stella jepson","full_name":"Stella jepson","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Stella jepson 23rd January 2026
  • 5/5

    Very easy to use Friendly customer service

    Very easy to use Friendly customer service

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

    Easy app with good rates

    I really liked the ease of this app. The savings rate was market leading. Customer service great.

    {"display":"sharmck","full_name":"sharmck","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    sharmck 22nd January 2026
  • 4/5

    App provides info on projected interest

    I opened a fixed saver via the Atom Bank app and thought it was excellent. Super quick and easy. I really like the timeline and... I opened a fixed saver via the Atom Bank app and thought it was excellent. Super quick and easy. I really like the timeline and the calculated interest is a really great feature that few apps or accounts have. I really appreciate this feature I can track my tax liability which is important to me. Read more Read less

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

    Atom bank

    I had a problem that Atom sorted out very quickly,they offer competitive savings rates with a very good app that’s easy to use.

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

    Easy to understand

    No Problems at all easy to use and understand

    {"display":"Patricia Veitch","full_name":"Patricia Veitch","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Patricia Veitch 29th December 2025
  • 5/5

    Brilliant service.

    Brilliant service. Very efficient. Would recommend without hesitation.

    {"display":"S D","full_name":"S D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    S D 14th October 2025
  • 5/5

    Good product offers fair returns

    Good product offers fair returns

    {"display":"Peter Bower ","full_name":"Peter Bower ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Peter Bower 5th September 2025
  • 5/5

    Atom Bank Review

    Good bank. Good App. Easy to maneouvre

    {"display":"Elizabeth O","full_name":"Elizabeth O","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Elizabeth O 30th June 2025

    Products from Atom Bank

    Showing all products offered by Atom Bank

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice