Atom Bank 1 Year Fixed Saver Review4.90% AER (Sep 2026)

Fixed Rate from Atom Bank

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Protection

FSCS

Up to £120,000

Min balance

£50

Max balance

£100,000

Access

No access until maturity

Interest paid

Monthly/
Annually

Who Is This For

Learn more about Atom Bank

New and existing savers
Savers happy with a £100,000 cap
Savers who can lock money away for 1 Year

Additional Info

You can have an unlimited number of Fixed Savers subject to a combined £100,000 maximum across all Atom Fixed Savers. The account can be funded from an Instant Saver, Instant Saver Reward, or another UK bank/building society during the deposit window. If no maturity instructions are given, funds move to Instant Saver / Instant Saver Reward if open, otherwise a Holding Account.

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Calculate your tax liability for this accountSee what you might pay on the interest from Atom Bank's 1 Year Fixed Saver.

Estimated returns with Atom Bank's Fixed Rate

Want to know how much interest you will receive with Atom Bank's 1 Year Fixed Saver?

Estimated interest

£1,000 saved

£49.00

At 4.9% AER

£5,000 saved

£245

At 4.9% AER

£10,000 saved

£490

At 4.9% AER

£100,000 saved

£4,900

At 4.9% AER

Estimated over one year, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on Atom Bank 1 Year Fixed Saver

Atom Bank's 1 Year Fixed Saver at 4.90% is a solid pick for anyone who can set aside between £50 and £100,000 for a year and wants a straightforward return without chasing variable rates. I like the flexibility on interest, since you can take it monthly to a nominated account or let it roll up annually inside the saver. The one genuine catch is that there is no access until maturity, so this only works if you are confident you will not need the money for the full year. If you want to shop around, thisbank's 1-Year Fixed Term Deposit is currently sitting at 4.93%, which is worth a look.
Jonny Pease (Co-Founder)DepositScout