Atom Bank savings rates — compare every account, plus switch offers and guides

Who they are

Atom Bank holds the distinction of being the UK's first bank built entirely for smartphone and tablet - no branches, and the first digital-only challenger to be granted a full UK regulatory licence. It was founded in 2013 by Anthony Thomson, co-founder of Metro Bank, and Mark Mullen, former CEO of First Direct. The bank is headquartered in Newcastle upon Tyne , and everything - from opening an account to managing your savings - happens through the app. Atom holds its own banking licence, which is not shared with any other bank. All savings with Atom are protected by the FSCS up to £120,000 - but note that is the total protection across all your Atom accounts combined, not per account.

Savings accounts

Atom keeps its savings range focused. On the easy access side, there are two instant-access options: the standard Instant Saver and the Instant Saver Reward, which pays a higher variable rate. There is also an Easy Access Cash ISA. For those happy to lock money away, Fixed Savers run from 6 months all the way through to 5 years, with a minimum deposit of just £50. All rates shown on this page are the current figures - they change over time, so always check the live table before you apply.

One thing worth knowing: Atom's ISA does not currently accept transfers in , so it is new money only. The Cash ISA is also non-flexible, meaning any withdrawals count against your annual allowance for that tax year.

App and service

Atom Bank consistently scores well in independent app store reviews, with ratings above 4.5 on both the Apple App Store and Google Play. Recurring themes in the feedback include the speed of account opening, the clarity of the interest rate display inside the app, and the reliability of the withdrawal process. Customer support is available seven days a week. If you prefer telephone banking or a branch, Atom is not the right fit - this is a smartphone-first bank, full stop.

Is it right for you?

Atom suits savers who are comfortable managing everything through an app and want a straightforward choice between easy access and fixed-term accounts. The fixed range in particular is competitive across multiple terms, and the low £50 minimum makes it accessible. There is no current account offering, no notice account, and no ISA transfer-in facility at present, so if you need any of those things you will need to look elsewhere. Use the live rates on this page to compare what Atom is offering right now against the wider market - rates move, and the figures above reflect today's best available.