Atom Bank 6 Month Fixed Saver Review4.55% 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 6 Months

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 6 Month Fixed Saver.

Estimated returns with Atom Bank's Fixed Rate

Want to know how much interest you will receive with Atom Bank's 6 Month Fixed Saver?

Estimated interest

£1,000 saved

£22.50

At 4.55% AER

£5,000 saved

£112

At 4.55% AER

£10,000 saved

£225

At 4.55% AER

£100,000 saved

£2,250

At 4.55% AER

Estimated over the 6-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 6 Month Fixed Saver

Atom Bank's 6 Month Fixed Saver at 4.55% is a decent short-term option for anyone who wants to lock away a lump sum without committing for years, and the low £50 minimum makes it accessible to most savers. I like that you can take the interest monthly into a nominated account rather than waiting until maturity, which suits people who want a small income stream. The real catch is the standard fixed-rate one: no access at all until the six months are up, so only put in money you genuinely will not need. If you want to shop around, Zopa's Fixed Term Pot is currently showing 4.60% for the same term.
Jonny Pease (Co-Founder)DepositScout