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Atom Bank reviews

Atom Bank Reviews Logo
Rated Excellent • 4.81/5

Atom Bank reviews

Verified business Last reviewed within 7 days
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Review summary

People rate this company as Excellent based on 5,270 product reviews

Average score of 4.81/5
5 star
93%
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.
Summarised by AI
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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 5270 company reviews • Last reviewed within 7 days

phone stolen . Atom lethargic in their response

Savings • 24th June 2026

I had my phone stolen . While Barclays acted like lightning to secure my accounts. Atom was slow ,uninterested and not clear with the explanations... I had my phone stolen . While Barclays acted like lightning to secure my accounts. Atom was slow ,uninterested and not clear with the explanations of their “ security “ I lost faith and decided to move my account. Read more Read less

{"display":"George A","full_name":"George A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1.00/5
Read more product reviews

Clean and efficient

Savings • 16th June 2026

Atom has multiple products available dependent on your goals and the App interface is very clean and simple to use.

{"display":"John ","full_name":"John ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5.00/5
Read more product reviews
  • 5.00/5

    No brainer

    Very easy to use, haven't needed a follow up call or anything, all went smoothly (so far).

    {"display":"A M","full_name":"A M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    A M 12th June 2026
  • 5.00/5

    Continuing excellence.

    Never had any problems. Good savings rates..

    {"display":"Robert B","full_name":"Robert B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Robert B 28th April 2026
  • 5.00/5

    Very easy to use.

    Very easy to use. Rates not always the highest but I'm very happy overall

    {"display":"Kathy K","full_name":"Kathy K","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Kathy K 20th April 2026
  • 5.00/5

    Atom Bank fixed rate and cash isa

    Has good fixed rates and I have a cash isa also, easy to use app, quick withdrawal within a few minutes

    {"display":"Adrian G","full_name":"Adrian G","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Adrian G 19th April 2026
  • 5.00/5

    Easy to use and set up.

    Easy to use and set up. Safe funds transfers.

    {"display":"A M","full_name":"A M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    A M 17th April 2026
  • 5.00/5

    very easy to add and manage my money.

    very easy to add and manage my money. excellent communication when it comes to the maturity of the product - offering several notifications that maturity... very easy to add and manage my money. excellent communication when it comes to the maturity of the product - offering several notifications that maturity is happening soon, and clear information on what you can do with the cash. Read more Read less

    {"display":"Mark A","full_name":"Mark A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Mark A 17th April 2026
  • 5.00/5

    Highly recommend Atom.

    Been an Atom customer for over 5 years. Never had an issue and highly recommend them. Competitive interest rates.

    {"display":"J Walker","full_name":"J Walker","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    J Walker 17th April 2026
  • 5.00/5

    Competitive market rates

    Very good and clear site to use, it was easy for me to make my decision to proceed; my account was opened within minutes for... Very good and clear site to use, it was easy for me to make my decision to proceed; my account was opened within minutes for me to access and see overall the investment plan Read more Read less

    {"display":"Eleanor B Croft ","full_name":"Eleanor B Croft ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Atom Bank. The best of the best. For me.

    The app is easy to download load. The language is very easy to understand. Straight forward. App easy to navigate. Had funds in here for... The app is easy to download load. The language is very easy to understand. Straight forward. App easy to navigate. Had funds in here for years on and off,I always end up back investing as they usually have the best of the best interest rates. Read more Read less

    {"display":"Stella jepson","full_name":"Stella jepson","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Stella jepson 17th April 2026

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