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Atom bank Reviews 

21,550
TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Considering 3,403 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the mobile app for being exceptionally user-friendly, quick to navigate, and making it remarkably easy to open and manage various savings accounts. Consumers also highlight the consistently competitive interest rates and the seamless, instant money transfers between accounts without any hidden fees. Some reviewers were not happy with certain aspects, noting that interest rates could sometimes be improved or felt less competitive compared to other financial options. A few users also mentioned experiencing minor navigation or login friction, such as feeling the app layout was occasionally cluttered.

What people talk about most

User experience

Customers consistently note positive experiences with user experience, finding the platform straightforward... See more

Application

Users describe positive interactions with the app, highlighting its straightforward design and intuitive... See more

Price

Clients share positive opinions on price, consistently highlighting competitive interest rates and good... See more

Value for money

Consumers find value for money to be positive, consistently highlighting competitive savings rates and... See more

Service

People report positive experiences with service, highlighting efficient banking and fast money transfers.... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Atom banking just works brilliantly. Weather you are adding or withdrawing, it's instant, unlike some who like to hang onto YOUR cash. Now doing isa savings is a great addition, but would love to see... See more

Company replied

Rated 5 out of 5 stars

Have been with Atom for a few years. Their app is one of the easiest to use. Money transferred in and out is almost instantaneous. Savings rates are competitive and we have recently opened another acc... See more

Company replied

Rated 5 out of 5 stars

Opened a fixed saver with Atom 2 years ago and just started another after my first matured. All very easy and nothing to be worried about (which I was at first). Far more communication than my other b... See more

Company replied

Rated 5 out of 5 stars

Just had to call Atom bank for help in a process I needed to complete. The representative was extremely helpful in taking me through the process. Was clear in what she asked me to do. Did not make me... 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

22K reviews

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Asks customers to review

This company invites their customers to review, whether positive or negative

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4.8

All reviews

(21,550)

3,160 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

Great customer service. I have been an Atom customer for about…

I have been an Atom customer for about 5 years but have never had to call them before today. I got a virus on my phone & needed to block my account while I got it fixed. The call was answered really quickly, the operative was very patient & helpful. I called back after getting my phone sorted to unblock my account, again call answered in record time & account reactivated within minutes. This level of customer service is very rare these days, I am very impressed.
I like the app anyway, it's easy to use & has reasonable interest rates but after today I'm even more satisfied with this bank

7 September 2026
Unprompted review
Rated 5 out of 5 stars

Atom

Very good experience with Atom.Easy to apply and seem to be good interest rates.I would definitely recommend Atom.

3 September 2026
Atom bank logo

Reply from Atom bank

Hi there,
Thanks for the 5 star review, we really appreciate it! If you ever need us, please feel free to give us a call on 0333 399 0050 (8am to 8pm seven days a week) and we’ll be happy to help. LT

Rated 5 out of 5 stars

Great service from start to finish.Very…

Great service from start to finish.Very pleased with outcome.And would recommend to anyone.

2 September 2026
Atom bank logo

Reply from Atom bank

Hi there,
Thanks for the lovely feedback and 5 star review. If you ever need us, please feel free to give us a call on 0333 399 0050 (8am to 8pm seven days a week) and we’ll be happy to help. LT

Rated 5 out of 5 stars

No complaints

Easy to use, no complaints from me, great service

2 September 2026
Atom bank logo

Reply from Atom bank

Hey there, it is great to hear how straight forward you find the app. Thank you for the review! LT

Rated 5 out of 5 stars

App is really easy to navigate

App is really easy to navigate
Good interest rates

31 August 2026
Atom bank logo

Reply from Atom bank

Hey there, thanks for taking the time to leave us a review! It is great to hear how straight forward you find the app :) LT

Rated 5 out of 5 stars

Ease of use

Ease of use, efficiency good rates

24 August 2026
Atom bank logo

Reply from Atom bank

Hi there,
Thanks for the lovely feedback and 5 star review. If you ever need us, please feel free to give us a call on 0333 399 0050 (8am to 8pm seven days a week) and we’ll be happy to help. LT

Rated 5 out of 5 stars

Straightforward process

Easy to navigate and to find clear descriptions of products. Application was straightforward. Received emails to detail progress. Money transfer went through quickly and smoothly

25 August 2026
Atom bank logo

Reply from Atom bank

Hi there,
Thanks for taking the time to leave us a great 5 star review. Glad to hear you're enjoying using the app!
If you ever need to speak to us just give us a call on 0333 399 0050, email us at customersupport@atombank.co.uk or pop through the Live Chat in the app. We are here 7 days a week from 8am-8pm. LT

Rated 5 out of 5 stars

Efficient banking services

Efficient banking services. I’ve been with them for a number of years and the service is uniformly excel.

1 September 2026
Atom bank logo

Reply from Atom bank

Hi there,
Thanks for taking the time to leave us a great 5 star review. Glad to hear you're enjoying our services and have decided to stay!
If you ever need to speak to us just give us a call on 0333 399 0050, email us at customersupport@atombank.co.uk or pop through the Live Chat in the app. We are here 7 days a week from 8am-8pm. LT

Rated 5 out of 5 stars

Atom bank review

A good interest rate and easy management of app. throughout the investment. Notified in advance of closing date and again when action was required. Recommended

29 August 2026
Atom bank logo

Reply from Atom bank

Hi there,
Thanks for taking the time to leave us a great 5 star review. Glad to hear you're enjoying using the app!
If you ever need to speak to us just give us a call on 0333 399 0050, email us at customersupport@atombank.co.uk or pop through the Live Chat in the app. We are here 7 days a week from 8am-8pm. LT

Rated 5 out of 5 stars

Easy to use app

27 August 2026
Atom bank logo

Reply from Atom bank

Hey there, it is great to hear how straight forward you find the app. Thank you for the review!
If you ever need to speak to us just give us a call on 0333 399 0050, email us at customersupport@atombank.co.uk or pop through the Live Chat in the app. We are here 7 days a week from 8am-8pm. LT

Rated 5 out of 5 stars

Brilliant app based bank

Brilliant app based bank. Have been with them for many years and only once taken all my funds out as their interest rate wasn’t competitive at that time but since then they are there or thereabouts with competitive rates. Highly recommended.

1 September 2026
Atom bank logo

Reply from Atom bank

Hi there,
Thanks for taking the time to leave us a great 5 star review. Glad to hear you're enjoying our services and are using our services again!
If you ever need to speak to us just give us a call on 0333 399 0050, email us at customersupport@atombank.co.uk or pop through the Live Chat in the app. We are here 7 days a week from 8am-8pm. LT

Rated 5 out of 5 stars

Great bank,so easy to use

Great bank,so easy to use

1 September 2026
Atom bank logo

Reply from Atom bank

Hi there,
Thanks for the lovely feedback and 5 star review. If you ever need us, please feel free to give us a call on 0333 399 0050 (8am to 8pm seven days a week) and we’ll be happy to help. LT

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