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Atom Bank reviews

Atom Bank Reviews Logo
Rated Excellent • 4.90/5

Atom Bank reviews

Verified business Last reviewed within 7 days
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Review summary

People rate this company as Excellent based on 5,265 product reviews

Average score of 4.90/5
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 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 5265 company reviews • Last reviewed within 7 days

Atom Bank fixed rate and cash isa

Savings • 19th April 2026

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
Rated Excellent • 5/5
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Easy to use and set up.

Savings • 17th April 2026

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
A M
Rated Excellent • 5/5
Read more product reviews
  • 5/5

    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
  • 5/5

    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
  • 5/5

    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
  • 5/5

    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
  • 5/5

    Good rates of interest,easy to use and with an app.

    Good rates of interest,easy to use and with an app.

    {"display":"Dave","full_name":"Dave","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Dave 16th April 2026
  • 5/5

    Good range of savings accounts.

    I've used a range of their savings accounts including easy access and fixed savers. Always had good interest rates. They have now introduced Cash ISA's... I've used a range of their savings accounts including easy access and fixed savers. Always had good interest rates. They have now introduced Cash ISA's but found that they are not flexible ones so went elsewhere for that. I'm stilling their other accounts though. Read more Read less

    {"display":"Chris S","full_name":"Chris S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Chris S 16th April 2026
  • 5/5

    Always good interest

    Always good rates of interest. App only account very easy to use.

    {"display":"John Freear","full_name":"John Freear","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    John Freear 16th April 2026
  • 5/5

    I have used Atom for several years now.

    I have used Atom for several years now. Their bond rates are always competitive. I just started transferring over to ISAs and their rates for these are equally good.

    {"display":"Ann D","full_name":"Ann D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Ann D 16th April 2026
  • 5/5

    Very easy to use and great rates

    Very easy to use and great rates

    {"display":"Paul L","full_name":"Paul L","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Savings
    Paul L 16th April 2026

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