Atom Bank 3 Year Fixed Saver Review4.95% 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 3 Years

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 3 Year Fixed Saver.

Estimated returns with Atom Bank's Fixed Rate

Want to know how much interest you will receive with Atom Bank's 3 Year Fixed Saver?

Estimated interest

£1,000 saved

£156

At 4.95% AER

£5,000 saved

£780

At 4.95% AER

£10,000 saved

£1,560

At 4.95% AER

£100,000 saved

£15,597

At 4.95% AER

Estimated over the 36-month term, 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 3 Year Fixed Saver

Atom Bank's 3 Year Fixed Saver at 4.95% is a solid pick for anyone who can set money aside for three years and wants a competitive return without needing to move it around, with a low entry point of just £50 and a cap of £100,000. You can choose to have interest paid monthly or annually, either into the Fixed Saver itself or to a nominated account, which gives a bit of flexibility on how you receive the income. The real catch is that there is no access until maturity, so if your circumstances change you are stuck, and I would still check Investec's 3-Year Fixed Rate Saver at 5.00% before committing if squeezing out every basis point matters to you.
Jonny Pease (Co-Founder)DepositScout