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Atom bank Reviews 

20,834
TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Looking at 3,602 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the app for its ease of use, intuitive design, and robust security features, making account management simple and straightforward. Many people highlight the quick and easy process for opening accounts and transferring funds, often noting instantaneous transactions. Reviewers also frequently commend the competitive interest rates and excellent value for money, finding the offerings impressive for both regular and fixed savings. However, some customers also noted that interest rates were not always the best or could change unexpectedly, leading to disappointment for some. Additionally, a few other people also felt that the process for transferring mature funds to new accounts could be inconsistent, and some found the overall flexibility of managing funds to be a downside.

What people talk about most

User experience

Customers consistently note positive experiences with user experience, frequently praising the ease of use... See more

Application

Users describe positive interactions with the app, highlighting its ease of use and clear, accessible... See more

Price

Clients share positive opinions on price, with many reviewers consistently praising the competitive and good... See more

Value for money

Consumers find value for money to be positive, consistently praising the great and competitive interest rates... See more

Service

People report positive experiences with service, often describing it as easy, frictionless, and without... 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 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

Rated 5 out of 5 stars

Returning to Atom after a 7 year break. Very easy to open a new savings account, though I had to use a new email address as the old one didn't work. I'm very impressed with the app, great security fe... See more

Company replied

Rated 5 out of 5 stars

Great customer service every time I call and need assistance. The staff are always friendly, helpful, and willing to go the extra mile to help. The app is very easy to use, and there is a good range o... 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

(20,834)

3,448 reviews in the last 12 months

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Rated 5 out of 5 stars

Have been a customer of Atom Bank now…

Have been a customer of Atom Bank now for several years, and have always been very impressed with the service offered. Having had bad experiences with other banks, I always know I can rely on Atom, when opening an account, the procedure is so simple and straightforward, the account is opened in seconds, and you can deposit money instantly. They offer some of the best rates around, and, if you are receiving interest, you can choose the date to receive the interest which is most beneficial to you. I cannot praise Atom highly enough, they are certainly up there at the top when it comes to service and efficiency.

17 July 2026

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