Been saving with Atom for about 5 years now. Safe, reliable, easy to manage and consistently good rates of interest on their savings products. Their interest rates are no longer the best in the ma... See more
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Review summary
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Reviews shaping this summary
Currently using Atom Bank for fixed rate savings. The app is straightforward and easy to use and you are notified in plenty of time before maturity to decide on your options. Will definitely continue... See more
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Easy and quick to open accounts. Very competitive interest rates offered and everything you need to keep track on the banking app. The whole service inspires confidence as a saver. Have been a custome... See more
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I’ve been using Atom for my ISA and savings for a few months now, it was recommended by my daughter who had her mortgage with them and because of that had been able to pay it off early! My financial... See more
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Company details
About Atom bank
Written by the company
We’re the UK's first app-based bank and we’re making banking easier, faster and better value. Founded in 2014, we're on a mission to change banking for good, putting our customers at the heart of everything we do.
We're proud to offer simple and secure products designed to help you make the most of your money. Whether you're looking to grow your savings, get a competitive mortgage or secure a business loan, our first-class app and award-winning UK-based customer support team are here for you seven days a week.
We believe banking should be effortless. That's why our app is built with intuitive features and robust security, offering biometric login, real-time notifications and FSCS protection to keep your money and data safe. We don't have expensive branches, so we can focus on delivering better rates and a seamless digital experience.
Experience banking that works for you.
FSCS Protection
Your money will be covered by the Financial Services Compensation Scheme (FSCS), which means your deposits are protected up to £120,000.
Contact info
The Pattern Shop, NE1 3PD, Newcastle upon Tyne, United Kingdom
- 0333 399 0050
- customer.operations@atombank.co.uk
- atombank.co.uk
Easy Access Cash ISA
4.8
Excellent
21K reviews
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Using the App is simple and
Using the App is simple and straightforward. I needed to call to change my address. Phone answered straight away and issue dealt with promptly and politely. Confirmation received by mail to new address within a few days.
July 7, 2026
Reply from Atom bank
Hello Alison. Great to hear you’ve had a good experience with our Customer Support Agents. I will pass your feedback on to the team. Thanks for your review. SW
Very easy site to navigate.
July 12, 2026
Reply from Atom bank
Hi Angela. Great to read you find our App easy to use. Thanks for taking the time to leave feedback. SW
Reply from Atom bank
Hi Philip. Lovely to read your review. Thank you so much for the 5 stars. SW
Easy to set an account up
Easy to set an account up, never had any problems, needed to talk to someone when Ist account expired and needed to transfer funds, very helpful and all went smoothly.
July 11, 2026
Reply from Atom bank
Hi Julie. Great to hear you’ve had a good experience with our Customer Support Agents. I will pass your feedback on to the team. Thanks for your review. SW
Easy to create an account
Easy to create an account. Did it all on my phone.
Good rates.
Easy to pay in once open.
Very happy.
July 9, 2026
Reply from Atom bank
Hi Rachael. Great to hear your feedback on our App and account set up. Thanks for the review and the 5 stars. SW
A very easy bank to deal with
A very easy bank to deal with, deposits show immediately and app very easy to use.
July 14, 2026
Reply from Atom bank
Hi Leigh. Great to read your review. Thanks for sharing your experience. SW
App easy to download
App easy to download
Application was quick and easy
Good rates offered
July 10, 2026
Reply from Atom bank
Hi Ian. Lovely to read your review. Thank you so much for the 5 stars. SW
Easy to navigate.
July 11, 2026
Reply from Atom bank
Hi Angela. Great to read you find our App easy to use. Thanks for taking the time to leave feedback. SW
Reply from Atom bank
Hello Cathy I’m glad to hear you like our App, products and end-of-year summary. Thanks for the review and the 5 stars. SW
Reply from Atom bank
Hello Caroline. Thank you for the kind words and the 5 stars. SW
Good communication
July 14, 2026
Reply from Atom bank
Thank you for taking the time to leave us a review. SW
Savings with Atim
I have had my savings with Atom for a few years now. The rate I earn is tops. The app is simple to use and communication by email is very good.
July 14, 2026
Reply from Atom bank
Lovely to read your review. Thank you so much for the 5 stars. SW
Easy to open…
This account was very easy to open and the app is easy to navigate. The instructions were clear and concise.
July 13, 2026
Reply from Atom bank
Hi Brenda. Great to hear your feedback on our App and account set up. Thanks for the review and the 5 stars. SW
Simple and hassle free.
July 14, 2026
Reply from Atom bank
We are so pleased to hear that you found our service simple and hassle-free. Thank you for sharing your positive experience with us!
It was so easy to open a new account
It was so easy to open a new account, only took a couple of minutes
July 8, 2026
Reply from Atom bank
We're so glad you found the account opening process quick and straightforward. Thank you for your positive feedback!
Reply from Atom bank
We're so pleased to hear you find our service easy to use and our customer service good. Thank you for your 5-star review!
Reply from Atom bank
Thank you for your positive feedback; we appreciate the 5 stars!
Atom easy to use but swinging interest reductions.
Atom is very easy to use a great ap.but i am more than a little peeved to see the interest rate halved for a month when I moved money from instant access to a fixed rate investment all within ATOM, this should not be penalised in any way, See Santander for free internal transfers!
July 14, 2026
Reply from Atom bank
Hello Peter.
I understand your frustration, especially when comparing the experience to other banks and internal transfers in general. The reason your interest rate decreased is that the funds were moved out of an Instant Saver Reward account.
This specific type of account is designed to encourage saving by using a dual-rate system: a higher "reward" rate for months where you do not make any withdrawals, and a lower "withdrawal" rate for months where you do.
When you move money from an Instant Saver Reward account to a Fixed Saver, it is officially processed as a withdrawal. Because of this, the account drops to the lower withdrawal rate for the remainder of that monthly interest period. To help keep customers informed, the app is designed to display a warning screen before you confirm this kind of transfer, alerting you that the rate will drop and showing the estimated interest you will miss out on if you proceed.
The good news is that this drop is only temporary. Your account will automatically switch back to the higher reward rate at the start of your next monthly interest period, provided you do not make any further withdrawals.
If you prefer the flexibility to make transfers without affecting your interest rate, you might want to consider Atom's standard Instant Saver account in the future. Unlike the Reward version, the standard Instant Saver pays a single, consistent interest rate regardless of how often you withdraw or internally transfer your funds. SW
A Happy Customer
Very easy to deal with - no fuss, clear and timely coms - and competitive products and rates.
July 14, 2026
Reply from Atom bank
Thank you for your positive feedback; we truly appreciate it!
Easy to do thank you
July 9, 2026
Reply from Atom bank
Thank you for your positive feedback; we truly appreciate it!
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