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Atom bank Reviews 

21,543
TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Considering 3,437 reviews, reviewers overwhelmingly had a great experience with this company. Customers really love how simple the mobile application is to use, making everyday banking tasks feel completely effortless and smooth. Many people point out that setting up new accounts takes very little time, while transferring funds in and out is done instantly without any trouble at all. Users also appreciate the clear information provided and the helpful support when guidance is needed for managing savings options. Some reviewers were not happy with interest rates, noting they might not always be the highest available and that the maturity process could be improved.

What people talk about most

User experience

Consumers find user experience to be positive, highlighting that the application is intuitive, quick, and... See more

Application

Customers consistently note positive experiences with app, describing it as intuitive, uncluttered, and very... See more

Price

Reviewers express high satisfaction regarding the competitive interest rates and overall good financial... See more

Value for money

Users describe positive interactions with value for money, highlighting competitive savings rates and... See more

Service

Clients share satisfaction regarding the service, highlighting that accounts are straightforward to open and... See more

Reviews shaping this summary

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

Easy set up process to open accounts on the app Quick application procedure account opened swiftly and accurately Very easy to monitor ongoing messages added interest per month Great rates clear ap... 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

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


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

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4.8

All reviews

(21,543)

3,153 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

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

Rated 5 out of 5 stars

Easy to use app

Easy app to use very straightforward and quick. Highly recommend.

29 August 2026
Atom bank logo

Reply from Atom bank

Hi there,
Thanks for the lovely feedback and 5 star review, we're glad to here you are enjoying our app. 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

App is very user friendly

App is very user friendly, and the different levels of security inspire confidence. Savings products are always competitive and are presented in summary in an easy, understandable way.

24 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 our services and find the app easy to navigate!
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

All I can say is that the rates quite…

All I can say is that the rates quite good at the moment for savings. Moving money between my main bank and this one is very straightforward.
I would not invest more than £85,000 in Atom as this is the limit of what would be protected in the event it were to fail.

1 September 2026
Atom bank logo

Reply from Atom bank

Hi there,
Thanks for taking the time to leave us a review, we really appreciate it! However, I'd love to pass on that we have now upped the protection limit to £120,000 :)

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

Easy online saving

An online process that was clear and easy to follow and complete.

1 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

They make it easy!

Nice simple process to provide my instructions and good communication to remind me to do it!

31 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

Efficient and speedy transactions so…

Efficient and speedy transactions so far.

31 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 our services and finding it so easy!
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

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