Atom Bank 5 Year Fixed Saver Review

Updated Sep 2026Got this account? Leave a review

Headline rate

5.20%AER fixed

For 5 years

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

New and existing savers
Savers happy with a £100,000 cap
Savers who can lock money away for 5 Years

Good to Know

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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Estimated returns with Atom Bank's Fixed Rate

Want to know how much interest you will receive with Atom Bank's 5 Year Fixed Saver?

Estimated interest

£1,000 saved

£288

At 5.2% AER

£5,000 saved

£1,442

At 5.2% AER

£10,000 saved

£2,885

At 5.2% AER

£100,000 saved

£28,848

At 5.2% AER

Estimated over the 60-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 5 Year Fixed Saver

Atom Bank's 5 Year Fixed Saver pays 5.20%, which sits above the market average for fixed-rate accounts, though it falls 0.05% behind the best rate available across the fixed-rate market at 5.25%, matched by the likes of GB Bank and Shawbrook on the same five-year term. At 2.10% above August 2026 CPI of 3.1%, the real return is genuinely positive, which makes this worth considering for savers who want to lock in a meaningful inflation-beating rate. The catch is straightforward: no access until maturity, so this suits money you are confident you will not need for five years, with deposits between £50 and £100,000.
Jan Watermann (Co-Founder)DepositScout