Atom Bank

Founded in 2014, Atom bank is a challenger bank offering savings account, mortgages and business loans.

Due to their app-only digital platform, they don't have any branches.

Atom Bank was founded in Durham.

Atom Bank
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Gold ribbon: first place

Savings Accounts

Ranked 16th of 53 providers reviewed.

Customer happiness score 68.33%
Customer trust score 52.99%
Complaints performance 75.87%
Transparency rating 78.72%
Fairer Finance score
Reviewed Autumn 2023		 69%

Savings Accounts

1 Year Fixed Rate Accounts

Atom Bank

1 Year Fixed Saver

Interest Rate (AER) i 5.15%
Minimum Opening Balance i £50.00
What happens at maturity? i The provider will contact you before the account matures. The money will be paid into a linked or nominated account unless you instruct them otherwise.
Part of FSCS i
Maximum Balance i £100,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i

2 Year Fixed Rate Accounts

Atom Bank

2 Year Fixed Saver

Interest Rate (AER) i 4.95%
Minimum Opening Balance i £50.00
What happens at maturity? i The provider will contact you before the account matures. The money will be paid into a linked or nominated account unless you instruct them otherwise.
Part of FSCS i
Maximum Balance i £100,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i

3 Year Fixed Rate Accounts

Atom Bank

3 Year Fixed Saver

Interest Rate (AER) i 4.7%
Minimum Opening Balance i £50.00
What happens at maturity? i The provider will contact you before the account matures. The money will be paid into a linked or nominated account unless you instruct them otherwise.
Part of FSCS i
Maximum Balance i £100,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

5 Year Fixed Rate Accounts

Atom Bank

5 Year Fixed Saver

Interest Rate (AER) i 4.5%
Minimum Opening Balance i £50.00
What happens at maturity? i The provider will contact you before the account matures. The money will be paid into a linked or nominated account unless you instruct them otherwise.
Part of FSCS i
Maximum Balance i £100,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i

Easy Access Accounts

Atom Bank

Instant Saver

Interest Rate (AER) i 4.11%
Balance Tiers i 4.11% from £1
Minimum Opening Balance i £0.00
Withdrawal Penalty i
Part of FSCS i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i
Maximum Balance i £100,000.00
Minimum Age to Open Account i 18
Penalty free withdrawals? i
Sharia Account i
Additional Information i Must hold a UK current account.
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i