Mortgages, saving plans

Personal

United Kingdom

Founded in 2014 as the UK’s first app-only bank, Atom Bank offers savings products, mortgages and other loans to private individuals and businesses. Atom Bank is a responsible, considerate and active part of the community. Atom Bank keeps its products simple and transparent and its services secure.

Savings Bank

Banks

Atom Bank Plc

Great

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Twitter

LinkedIn

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Pricing of the services

Social media presence

Popularity of the service

Onboarding difficulty

Support quality

Excellent

B2B Accounts

B2C Accounts

Bank Account Openings

Bank guruantee

C2B Accounts

Loans

SWIFT Transactions

Dedicated SWIFT IBAN

Two-Factor Authentication (2FA)

Bank is very easy to use.
App is user friendly.
Rates are very variable.
Overall very pleased.

Bank is very easy to use.

It was so easy to review the products available and make an informed decision about which type of account and what length of time I wanted to save for.
Using the app was very straight forward and I liked that I could add money to my savings from more than one source.

Easy to use and understand options

This has to be the easiest on line account to handle with brilliant customer service where the telephone is actually answered in a good time.

The rates are good but even if below the best I would stick with atom for the customer service.

Easiest on line account?

It was all so easy and clear to open this account ,and  took very little time .
Thank you.

It was all so easy and clear to open…

Love the fact it’s mobile friendly, easy to open new accounts and transfer money in or out. Great rates which make you want to stay with ATOM

Great interest rates, easy app

Excellent- good interest, easy and professional, heartily recommended

Excellent- good interest

Easy to use with the app and does everything I need to do and with great rates.

Easy to use with the app and does…

Great savings account.  Great App.  It is easy to deposit and withdraw money and interest is added monthly.  Interest rate is not the highest, but is competitive for an instant access account.

Works for me…

Easy to open

I like the app. I like that I can still speak to someone when I need to.  Call queues are short. Staff are friendly. Not that I've had much reason to HAVE to speak to them.

I like the app

Quick and easy to open. Only issue was the short deposit window. I couldn’t deposit all of my money into my fixed account.

Quick and easy to open

Opened savings account, quick, easy & higher interest rates than some.

Opened savings account

It was very easy to set up the account and it is even easier to be able to access it via an app rather than on a website. The information was clear and the rates offered on the investment account were very competitive. I would recommend Atom bank.

Clear and user friendly

I found them very helpful

Atom Bank

A good product and good rate for savers

Invested in Atom from almost the start. Have been really satisfied with the competitive interest rates and ease of investing

NO WORRIES SAVE SAFELY

Convenient and easy savings account. Competitive fixed rate. User friendly intuitive App.

Convenient and easy savings account

Great App, reliable and really easy to use. I would recommend without hesitation

Great App

Easy to deal with, always among the best rates.

Good Bank

I opened a new fixed term Atom savings account and wanted to transfer monies from the Atom Instant Access account to fund this account  but according to Atom ' the computer says no'. You can't do this.

I opened a new fixed term Atom savings…

Straight forward process

Fantastic experience setting up my Atom Bank fixed interest rate savings account. Very straightforward and quick to do.

Fantastic experience setting up my Aton…

All good. Best savings interest and staff are very helpful and professional.

All good

So easy to set up my savings account on my Android smartphone and with the attractive interest rate, thoroughly recommended.

Well Impressed!

Excellent service

Easy to set up account & transfer money into 👍

Easy to set up account & transfer money…

Very easy to deal with, good communication, great intuitive app.

Very easy to deal with

Simple and easy app. So far haven't needed to contact Atom Bank about anything so can't comment on their Customer Service.

Simple and easy app

Great rates, easy to invest and transfer money, app is really good. I have no idea why other institutions aren't as simple and organised. Would recommend to anyone.

Great rates and really easy to deal with.

Since opening an account with Atom Bank I have been impressed with their helpfulness during live chats. They have actioned my requests efficiently and I find their App very easy to use.

Since opening an account with Atom Bank…

So far so good, it was quick and efficient  to set up an account.

So far so good

competitive products, very simple to open a new account and to maintain existing accounts. Help immediately available via texting. Couldn’t be easier!

Excellent all round!

I like the fast payments but interest now much lower than other banks. Took money out and it was right away in my bank.

Lower Interest

Simple and easy.

Great account, easy to open but no longer the top rate of interest available

Great account

Sadly just taken most of my out of Atom Instant Saver as its no longer up there with the competition. The app is great, payments are fast and support good but there is much better out there and Atom I feel has been slow to act. My new account has a much better interest rate and even the option to boost rates. Hopefully I may come back if they compete.

Poor rates but good bank

So far so good - setup was super easy and quick. It's useful that it's an app so no need to make phone calls to manage my money. Security is very good with three different ways to verify creating an account and signing in. I've also got a good return on the bond I opened considering interest rates have been shocking for so long. I'll update if anything changes!

I’ve spoken twice on the phone and found Atom staff to be friendly and easy to talk to.
Happy to explain and help when I had a problem negotiating their website.
Once I had an account I found it easy to access and all my investments in one place makes life easy.

I’ve spoken twice on the phone and…

During my application for an access savings Atom account I could NOT
find option to include a  2nd joint account holder .
Atom should either make it clear from the start of application
that a joint application is not allowed or offer advice .
ISA is normally on single named.
But come on if a joint savings is allowed why it was not made aware 
at start of process .
i can not really comment as I may not want to make any further 
deposits into my new Atomic account .

joint savings account preferred

Put some money into a fixed 2yr Atom bank saver account it was clearly the best interest around at the time and having used them previously it was simple to set up and start.Great set up as usual from Atom

Put some money into a fixed 2yr Atom…

High interest, easy account to open on my phone, simple to operate. I use it as a deposit account because my bank interest is so low. Also impressed that they keep raising the interest rate on my existing account automatically.

High interest

Easy to set up online account. Offering great rates of interest.

Easy to set up online account

Quick easy opening of account . Good rate of interest

Quick easy opening of account

Very easy to set up on line.  If you have any problems there is a phone number to ring and they do answer.  Everything explained very clearly.

Very easy to set up on line

Very easy to start up a savings account

A bit fiddly to get the account started, but once it's done, no problem.  Easy to transfer money direct into the Atom account via your designated linked bank.

A bit fiddly to get the account…

Good rates. Very helpful on the phone very easy to use app

Good rates

I took out a 3 year fixed saving account two years ago and the interest rate was amongst the best available. I had another sum to invest recently after another account matured and I looked around for a decent interest rate and found that Atom Bank were the best available for a 2 year fix. 
The process is very simple and efficient and the app works well with facial recognition log in.

Good rates and efficient and easy process

I have used Atom for several years both fixed rate saver & the newer product instant saver both offer the best competitive rates & keep up with market as it changes to ensure you are given the best rate. 
The communication between atom & their customers is fantastic, quick & effective. 
Payments are paid out instantly.
I have recommended Atom to a lot of family & friends who have also opened accounts & very happy with the products & service.

I have used Atom for several years both…

Very simple to open the account. Straightforward, speedy and secure to access. Live chat extremely responsive and helpful

Very simple to open the account

I found atom staff very helpful and polite,the reason I reinvest in the bank

I found atom staff very helpful and…

Easy to open the account , good return for 1 year fixed

Easy to open the account

its quite simple while it gives the best interest rates it gets the investment

its quite simple…

The best thing is the communication via the app. If you can't speak to a representative on the phone, this is the next best thing.  Speedy and informative responses you queries.

The best thing is the communication via…

Easy to setup and manage and savings rates are better than high street banks.

Easy to setup and manage and savings…

Atom works very well for me. Competitive rates, and an app that's simple to use.

Atom works very well for me

Easy to follow instructions and the best saving rates by far for short term fixed bonds  with either monthly or annual options.
Highly recommend this bank to anyone and your money is also protected up to the £85000 limit for a single or £170000 for a joint account.

Check this out

Have had a couple of fixed savers with Atom. No problem to open, happy with security, easy to use, good communication albeit always by email. Recently took out a mature account, waited a couple of months for interest to go up generally and ended up coming back to Atom as a comparable rate. They seem to respond pretty quickly to increasing rates.

Returning customer

I found Atom through Martin Lewis website....highest Bond rates at the time.....easy to join, use the app, and recently, opened an instant access savings account....twice the interest rates have increased and Atom have immediately reacted and messaged me....excellent Company and would highly recommend

I found Atom through MSE website

My first App based bank account. It was simple to set up and it has attractive interest rates. I recommend

My first App based bank account

First time I have used app based banking and very easy to get going. Seamless setup and a great rate for my savings

Great rates

Straight Forward, easy to set up, plain and simple products that do what they say.

Straight Forward

Easy to open an account, spoke to customer services and they were very helpful. No Problems.

Easy to open an account

really easy to use and the rates provided are competitive so why not...

Good innovative disrupter

Spot on - very easy to open & operate. Minimal need for iT competence which is always an issue for the more mature saver !! 

I highly recommend Atom & that was before they the first of my savings accounts to up the interest rates !

Get one now - nothing to loose & everything to gain.

took a few min to open an account but it was quite easy ...they increased the intrest rates a few days after so all good.Money goes in and out right away.
What more do you want from an easy access acount.

took a few min to open an account but…

Excellent on line bank with competitive rates for savers and very easy platform to use with excellent communication

Excellent on line bank with competitive…

Easy to open, seems easy to manage and a decent interest rate

New account

Simple choice of accounts with the Atom App. Great interest rates ahead of the market. No brainier.

Works well for me.

So easy to open and easy to view your savings

So easy to open and easy to view your…

I’m not a lover of technology but it is that easy to operate Atom’s app that even I can do it. Also I feel my money is secure which is the most important aspect.

I’m not a lover of technology but it is…Easy peasy

Have returned to saving with Atom now interest rates have improved.
The fixed bonds show competitive rates however the instant access saver does not. Chase is at 1.5% also an app account.

Good service but rates higher elsewhere

Now used Atom on 2 occasions setting up a savings account and an instant access account. Very simple application process and confident I have made a very good choice in using Atom and have already recommended Atom to some friends.

Now used Atom on 2 occasions setting up…

Atom is such an easy app to use and the rates offered are better than anything else I can find on the market.

Atom is such an easy app to use and the…

Excellent bank to be with.

I have opened a savings account which was very easy to set up. One of the better interest rates. The app is very clear and easy to navigate.

Savings account, good interest rate.

Atom is brilliant, I’ve been with them for a number of years now.  Their interest rates are normally among the most competitive on the market, much higher than High Street banks.  The app is really convenient and allows very rapid transfers to my main bank. An excellent service- well  done Atom 👍

Atom is brilliant

It was very easy to apply for an account & for it to be opened. I was really impressed with the efficiency and professionalism of the staff

It was very easy to apply for an…

I have found Atom Bank extremely easy to deal with, and very courteous and helpful. Their investment rates are always  among the best.

I have found Atom Bank extremely easy…

I was very worried about setting up a fixed account online and then transferring 20k as it was my life savings but it was so simple.  I found atom on Martin Lewis website which gave me peace of mind.  It only took 15 minutes to set up along with security checks.   This is my 3rd  fixed rate saver with atom and I have had no problems when my account matured with the  money being transferred back to nominated account along with the interest.  I definitely recommend this company

I was very worried about setting up a…

I opened another new savings account with Atom, however, I incorrectly advised them how I wished to have my interest paid , during the application.
I was so relieved , when I discussed the error with their help desk & to my delight it was amended to my satisfaction.
My wife & I will continue to have accounts with Atom in the future.
Thanks once again to the backup staff & their communication.
Regards, John.

Great communication.

Super easy to open account by downloading the Atom app. Competitive interest rates, I chose a fixed account and had 7 days to fund before its locked for the term. Would recommend.

Excellent interest rates

Trustworthy company to deal with

Great service

I would not hesitate to recommend Atom Bank. Great interest rates, user friendly App and a great UK based, friendly customer service team. What's not to like?

Excellent Banking App.

Exceptional,easy to use and decent saving rates,would highly recommend

Exceptional,easy to use and decent…

Really easy to open and great App and a good rate

Really easy to open and great App and a…

It was easy and quick to open the app.  I needed to call and I got to speak to someone straight away.  
I love this with newer banks the customer service is so much better.  
I can log in and see my savings easily and the best thing of all I got the best rate on the market!!
What more can I say.

It was easy and quick to open the app

Very happy with the service, very easy to set up an account as a new or existing customer. Several interest rate rises recently, which make a pleasant change from the big old companies that pay very low rates relying on customers not bothering to switch.

Very happy with the service

Competitive savings rates and so far have been amazingly helpful every time I have needed to contact them, no long queues to get through and solved my issue very quickly

Competitive savings rates and so far…

Undoubtedly the easiest bank account that I have ever opened and equally easy to operate.

... and, by the way, ahead of the rest in topping the chart w ith its easy-access interest rate.   If only the others ... !

Undoubtedly the easiest bank account…

I always find ATOM clear, easy to use and friendly when you speak on the phone

Atom Bank Plc

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