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.

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Savings Accounts

4 products reviewed

Easy Access Accounts

2 products reviewed

Atom Bank

Instant Saver Reward

Feature Value
Interest Rate (AER)
2%
Balance Tiers
2% from £0
Minimum Opening Balance
£0.00
Withdrawal Penalty
Higher rate paid if no withdrawals made in month.
Part of FSCS Yes
Bonus Rate
N/A
Atom Bank

Instant Saver 2

Feature Value
Interest Rate (AER)
2.5%
Balance Tiers
2.5% from £1
Minimum Opening Balance
£1.00
Withdrawal Penalty
N/A
Part of FSCS Yes
Bonus Rate
N/A
Easy Access Accounts (Less than £3000)

1 product reviewed

Atom Bank

Instant Saver 2

Feature Value
Interest Rate (AER)
2.5%
Balance Tiers
2.5% from £1
Part of FSCS
TRUE
Minimum Opening Balance
£1.00
Additional Opening Criteria
N/A
Average Interest Rate (AER)
3.77%
Bonus Rate
N/A
Average Interest Rate (AER) 12-months
3.2%
Easy Access Accounts (£3000 or more)

1 product reviewed

Atom Bank

Instant Saver 2

Feature Value
Interest Rate (AER)
2.5%
Balance Tiers
2.5% from £1
Part of FSCS
TRUE
Minimum Opening Balance
£1.00
Additional Opening Criteria
N/A
Average Interest Rate (AER)
3.77%
Bonus Rate
N/A
Average Interest Rate (AER) 12-months
3.2%

Savings Accounts (ISAs)

1 product reviewed

Easy Access ISAs

1 product reviewed

Atom Bank

Easy Access Cash ISA

Feature Value
Interest Rate (AER)
4.25%
Minimum Opening Balance
£0.00
Part of FSCS Yes
Withdrawal Penalty
N/A

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Savings Accounts

Ranked 13th of 55 providers reviewed

Customer happiness score 73.57%
Customer trust score 60.92%
Complaints performance 82.12%
Transparency rating 81.19%

Fairer Finance Score

Reviewed Autumn 2026

 74.45%