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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 4,651 product reviews

Average score of 4.92/5
5 star
94%
4 star
5%
3 star
0%
2 star
0%
1 star
1%

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 4651 company reviews • Last reviewed within 7 days

Easy to understand

Savings • 29th December 2025

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
Rated Excellent • 5/5
Read more product reviews

Brilliant service.

Savings • 14th October 2025

Brilliant service. Very efficient. Would recommend without hesitation.

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

    Great banking app with market leading interest rates.

    The app is very good, simple to use and very secure. Their savings rates are always competitive and market leading.

    {"display":"Gary N","full_name":"Gary N","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Gary N 18th June 2025
  • 5/5

    Great Customer Service and Easy Process

    I have my first mortgage with Atom Bank. Application process was smooth and their customer service is superb.

    {"display":"Jerico C","full_name":"Jerico C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Mortgages
    Jerico C 15th June 2025
  • 5/5

    Great place for your money

    Easy to open, easy to use, easy to transfer between their products.Fast response with any queries all in all I recommend them

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

    excellent service via the seamfree app

    excellent service via the app which is so easy to use

    {"display":"Janice B","full_name":"Janice B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Janice B 13th June 2025
  • 5/5

    The process for setting up an account is very simple...

    The process for setting up an account is very simple and the security steps are very comprehensive.

    {"display":"John ","full_name":"John ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    John 13th June 2025
  • 5/5

    They are always quick to respond and answer plus the...

    They are always quick to respond and answer plus they have a really fast service. There is a limited number of options but they are always good options.

    {"display":"Bicwyzer","full_name":"Bicwyzer","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Bicwyzer 13th June 2025
  • 5/5

    Always easy to open and deposit or withdraw cash

    Always easy to open and deposit or withdraw cash

    {"display":"Keith Jenkyns","full_name":"Keith Jenkyns","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Keith Jenkyns 13th June 2025

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