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Atom bank Reviews 

20,966
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

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 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

(20,966)

2,887 reviews in the last 12 months

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Rated 5 out of 5 stars

Easy to operate account

No fuss, no shouting at the phone through the process of opening an account. Straightforward. They don't say "Hi, how are you today". Very happy.

July 17, 2026
Atom bank logo

Reply from Atom bank

We're so glad to hear that you found the account opening process straightforward and without any hassle. It's wonderful to know you're very happy with your experience.

Rated 5 out of 5 stars

Atom bank is a great place to save

Atom bank is very forward thinking and easy to use the app to move money and save. I’ve been using Atom bank for many years. Their savings give competitive rates.

July 23, 2026
Atom bank logo

Reply from Atom bank

We're so pleased to hear you find our app forward-thinking and easy to use for managing your money and savings. Thank you for your many years of loyalty and for appreciating our competitive rates!

Rated 5 out of 5 stars

Atom savings

We have saved with Atom for quite a few years, and been very happy with them, they give you plenty of advice when your savings mature, and what to do next.

July 15, 2026
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Reply from Atom bank

We are so pleased to hear you've been happy saving with us for so many years! It's wonderful to know you value the advice we provide when your savings mature.

Rated 5 out of 5 stars

My second savings account with Atom-…

My second savings account with Atom- easy to set up & manage through their app & good competitive rates of interest !

July 22, 2026
Atom bank logo

Reply from Atom bank

We're so pleased to hear you're happy with your second savings account! It's great to know you find our app easy to set up and manage, and that you appreciate our competitive interest rates.

Rated 4 out of 5 stars

It’s a user friendly platform

It’s a user friendly platform, I haven’t had any problems.

If I do get a problem, I sense they would be accessible to speak to - guess I’ll find out one day!

For now, after 3 years, so far great

July 23, 2026
Atom bank logo

Reply from Atom bank

We're so happy to hear you've had such a positive experience with our platform over the past three years! It's wonderful to know that you find it user-friendly. We appreciate your kind words and assure you that our team is always here to assist if you ever need us.

Rated 5 out of 5 stars

Such an easy bank to deal with

Such an easy bank to deal with. The App is great and products competitive.

July 13, 2026
Atom bank logo

Reply from Atom bank

We're so pleased to hear you find us an easy bank to deal with and appreciate your positive feedback on our app and competitive products! Thank you for this fantastic 5-star review.

Rated 4 out of 5 stars

Simple and easy instructions

Simple and easy instructions, to complete my transfer.

July 20, 2026
Atom bank logo

Reply from Atom bank

We're happy to hear that our instructions made your transfer simple and easy! We appreciate your positive feedback.

Rated 5 out of 5 stars

Quick and easy and easy to navigate

Quick and easy and easy to navigate

July 23, 2026
Atom bank logo

Reply from Atom bank

We're so glad you found our service quick and easy to navigate. We appreciate you taking the time to share your positive feedback with us!

Rated 5 out of 5 stars

Excellent online bank ….

Excellent online bank ….. speedy, efficient, good savings offers !

July 23, 2026
Atom bank logo

Reply from Atom bank

Thank you for your wonderful 5-star review! We are so pleased to hear you appreciate our efficient service and good savings offers. We value your positive feedback!

Rated 5 out of 5 stars

Easy to use app and great customer…

Easy to use app and great customer service

July 15, 2026
Atom bank logo

Reply from Atom bank

We're so pleased you find our app easy to use and appreciate our customer service. Thank you for your wonderful feedback and this fantastic review!

Rated 5 out of 5 stars

Best bank

Easy to deal with great investment

July 23, 2026
Atom bank logo

Reply from Atom bank

We're so glad to hear that you found the process straightforward and that you see this as a great investment. We truly appreciate your positive feedback!

Rated 5 out of 5 stars

Good

Good so far, thanks

July 22, 2026
Atom bank logo

Reply from Atom bank

We are so glad to hear that your experience has been good so far. Thank you for your positive feedback; we truly appreciate it!

Rated 5 out of 5 stars

Easy to set up good clear app one of…

Easy to set up good clear app one of the best easy to understand good savings rate to paid monthly! So thanks

July 20, 2026
Atom bank logo

Reply from Atom bank

We're so pleased to hear that you found our app clear and easy to understand, and that you're happy with the savings rate. Thank you for your positive feedback!

Rated 5 out of 5 stars

Needed to make a phone to Atom.

Needed to make a phone call to change some details and ask some questions. All done very efficiently with solutions found by a friendly and easy to talk to agent.

July 17, 2026
Atom bank logo

Reply from Atom bank

We're so glad our agent could efficiently assist you with your details and questions. We appreciate you sharing your positive experience!

Rated 5 out of 5 stars

Easy to use app

Enjoy rhe app based saving easy to log on and access information and updates

July 22, 2026
Atom bank logo

Reply from Atom bank

We're so pleased you enjoy our app-based saving and find it easy to log on and access information and updates. Thank you for your positive feedback!

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