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Atom bank Reviews 

20,971
TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Evaluating 3,555 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently find the account setup process easy and quick, appreciating the straightforward nature of opening accounts and transferring funds. Many people praise the app for being intuitive, user-friendly, and reliable, making it simple to manage finances and check balances. People consistently find the interest rates to be competitive and excellent, supported by an efficient service that provides clear information and inspires confidence. However, some customers also noted that while rates are generally competitive, they are not always the absolute best in the market or can be below inflation.

What people talk about most

User experience

Reviewers highlight positive aspects of user experience, consistently praising the app and online banking as... See more

Application

Consumers find the app to be positive, with many reviewers highlighting its ease of use, intuitive design,... See more

Price

Customers consistently express satisfaction with the competitive rates offered, often finding them better... See more

Value for money

Reviewers consistently express satisfaction with the value for money, frequently highlighting competitive... See more

Service

Clients share positive opinions on service, consistently highlighting its efficiency and ease of use.... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

I've been with Atom for a number years now and have always been happy with the service they provide. As a result I have opened a few different accounts with them and the rate is always up with the bes... See more

Company replied

Rated 5 out of 5 stars

I've been using Atom for a few years now for fixed savings. Easy to set up with competitive rates. Atom keep you regularly updated and give plenty of notice once your account is due to mature with op... See more

Company replied

Rated 5 out of 5 stars

I've been using Atom Bank for 2 years. The app is easy to use. Services are straightforward to use with plenty of information provided. Getting money into and out of Atom Bank is simple. Interest... See more

Company replied


Company details

  1. Bank
  2. Financial Institution
  3. Mortgage Lender
  4. Private Sector Bank
  5. Savings Bank

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

Easy Access Cash ISA

A simple, secure way to maximise your savings.

4.8

Excellent

TrustScore 5 out of 5

21K reviews

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4.8

All reviews

(20,971)

2,890 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Easy to use and transfer money

Easy to use and transfer money. Competitive rates and have used both short and long fixed accounts

15 July 2026
Atom bank logo

Reply from Atom bank

We're so pleased you find it easy to use and transfer money, and appreciate our competitive rates on both short and long fixed accounts. Thank you for your positive feedback!

Rated 5 out of 5 stars

It is so easy to set up

It is so easy to set up, and they are very helpful

17 July 2026
Atom bank logo

Reply from Atom bank

We are so pleased to hear that you found our setup easy and our team helpful. Thank you for your positive feedback!

Rated 5 out of 5 stars

Easy quick to use

18 July 2026
Atom bank logo

Reply from Atom bank

We are so happy to hear that you found our app easy and quick to use. Thank you for taking the time to leave us a 5-star review!

Rated 5 out of 5 stars

User friendly

Easy, straightforward and clear process to open accounts. The app is very user friendly.

18 July 2026
Atom bank logo

Reply from Atom bank

We're delighted to hear that you found the account opening process straightforward and clear. It's also wonderful to know that you find our app very user-friendly. Thank you for your positive feedback!

Rated 5 out of 5 stars

Excellent accessibility and clarity on…

Excellent accessibility and clarity on the app and after a few years holding accounts with you I am confident about your service and care for my savings and investments

21 July 2026
Atom bank logo

Reply from Atom bank

We're so pleased to hear you find our app accessible and clear. It's wonderful that you feel confident in our service and care for your savings and investments after several years. Thank you for your 5-star review!

Rated 5 out of 5 stars

Just set up an Easy Access ISA

Just set up an Easy Access ISA. Very easy and efficient.

16 July 2026
Atom bank logo

Reply from Atom bank

We are so pleased to hear that setting up your Easy Access ISA was a very easy and efficient process for you! Thank you for sharing your positive experience.

Rated 5 out of 5 stars

A customer for a few years

A customer for a few years. A great secure app with good usability and functionality for investments. Recommend.

21 July 2026
Atom bank logo

Reply from Atom bank

We are so pleased to hear that you've been a customer for a few years and that you find our app secure, usable, and functional for investments. Thank you for the recommendation and the 5-star review!

Rated 5 out of 5 stars

Excellent app

Excellent app. Good rates.
Would like jount account

21 July 2026
Atom bank logo

Reply from Atom bank

It's wonderful to hear you're enjoying the app and finding our rates to your satisfaction! We appreciate you sharing your thoughts on joint accounts, fingers crossed we see them one day!

Rated 5 out of 5 stars

Easy to use web site

Easy to use web site. They keep you informed regularly
Good interest rates.

21 July 2026
Atom bank logo

Reply from Atom bank

We're so glad you found our website easy to use and appreciate being kept informed regularly, along with our good interest rates! Thank you for your feedback!

Rated 5 out of 5 stars

Reopened an account with no problems

Reopened an account with no problems. I must say the communication from yourselves has been even excellent. No problems so far ….. would recommend!

21 July 2026
Atom bank logo

Reply from Atom bank

We're so pleased to hear you had no problems reopening your account and that our communication has been excellent. Thank you for your recommendation!

Rated 5 out of 5 stars

Excellent online financial product provider

Easy to use app with clear instructions when products are due to mature. Rates remain better than some of the bigger High Street banks.
Overall I've been very impressed with their products and ease of reinvestment during my time as a customer.
Long may it continue

21 July 2026
Atom bank logo

Reply from Atom bank

We're so pleased to hear you find our app easy to use and our instructions clear! It's wonderful that you've been impressed with our products and the ease of reinvestment. We appreciate your kind words.

Rated 5 out of 5 stars

Easy and user friendly website

Easy and user friendly website. Simple to navigate. Good savings rates.

15 July 2026
Atom bank logo

Reply from Atom bank

We're so pleased you found our website user-friendly and easy to navigate. Thank you for your positive feedback and for appreciating our savings rates!

Rated 5 out of 5 stars

Easy to access online

Easy to access online, no long winded process to get what you want. Would recommend

20 July 2026
Atom bank logo

Reply from Atom bank

We're so glad you found our online access easy and straightforward. Thank you for your recommendation and positive feedback!

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