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Atom bank Reviews 

20,867
TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently highlight the ease and simplicity of the app and the account opening process, finding it user-friendly and straightforward for managing savings. Many people appreciate the competitive interest rates offered, noting they provide good value for money compared to other options. The service is often described as professional and helpful, with quick responses to queries and useful features like annual interest certificates. However, some customers noted that interest rates, while competitive, were not always market-leading or could reduce quickly. A few people also experienced challenges with the app, including difficulties with Face ID or needing additional security settings, and some found internal account transfers required an external step.

What people talk about most

User experience

Reviewers highlight positive aspects of user experience, consistently praising the app and website for being... See more

Application

Consumers find the app to be positive, highlighting its user-friendliness and ease of navigation for managing... See more

Price

Customers had positive experiences with price, consistently praising the competitive interest rates offered... See more

Value for money

People report positive experiences with value for money, consistently highlighting good and competitive... See more

Service

Users describe positive interactions with service, with many praising the efficiency and speed of operations,... 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

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

Company replied

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

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

(20,867)

3,482 reviews in the last 12 months

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Rated 5 out of 5 stars

Been using Atom for 4 years now

Been using Atom for 4 years now. Easy to use APP and all information clear and accessible.

10 July 2026
Atom bank logo

Reply from Atom bank

Hello Norman. Great to hear you find our App easy to use. Thanks for taking the time to leave a review. SW

Rated 5 out of 5 stars

Best

The best the best the best

17 July 2026
Atom bank logo

Reply from Atom bank

Hi Mark. Great to read your review. Thanks for sharing your experience. SW

Rated 5 out of 5 stars

Secure

Secure , trusted easy to use and good rates

17 July 2026
Atom bank logo

Reply from Atom bank

Hi Sue. Lovely to read your review. Thank you so much for the 5 stars. SW

Rated 5 out of 5 stars

Gary bank

My brother told me about you very good interest rate

1 July 2026
Atom bank logo

Reply from Atom bank

Thanks to your brother for the recommendation. I’m glad to hear you like our App and products. Thanks for the review and the 5 stars. SW

Rated 5 out of 5 stars

Easy to use

Quick to set up and easy to use app

16 July 2026
Atom bank logo

Reply from Atom bank

Great to read your feedback on our App and account set up. Thanks for your review and the 5 stars. SW

Rated 5 out of 5 stars

Easy to use this site.

Easy to use this site.
Good competitive rates of interest.

6 July 2026
Atom bank logo

Reply from Atom bank

Hello I’m glad to hear you like our App and products. Thanks for the review and the 5 stars. SW

Rated 5 out of 5 stars

Atom bank is so easy to navigate…

Atom bank is so easy to navigate around, everything is laid out easily so you understand what they have on offer and it’s a great place to save money on fixed rates or saver accounts

2 July 2026
Atom bank logo

Reply from Atom bank

Hi Jeffrey. Great to read you find our App easy to use. Thanks for taking the time to leave feedback. SW

Rated 5 out of 5 stars

Easy to use

Easy to use
Which for my age was great

16 July 2026
Atom bank logo

Reply from Atom bank

Hello Lynda. Great to read you find our App easy to use. Thanks for taking the time to leave feedback. SW

Rated 5 out of 5 stars

Clear and early instructions on options…

Clear and early instructions on options available. Easy to understand and to implicate. Good rate!

13 July 2026
Atom bank logo

Reply from Atom bank

I’m glad to hear you like our App and products. Thanks for the review and the 5 stars. SW

Rated 5 out of 5 stars

Future Savings secured

Made the task of saving for the future so much easier once my first year investment was ready to mature I was presented with options which I found very good and invested there and then

8 July 2026
Atom bank logo

Reply from Atom bank

Hello Paul. Thanks for sharing your experience on our maturity process. Great to read you found it smooth, clear and simple. SW

Rated 5 out of 5 stars

Been with ATom for 8+ years and always…

Been with ATom for 8+ years and always found the system to be clear, easy to use as in transferring monies and opening accounts.

16 July 2026
Atom bank logo

Reply from Atom bank

Hi Albert. Great to read you find our App easy to use. Thanks for your long term custom. SW

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