Atom Bank 9 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 9 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 9 Month Fixed Saver.

Estimated returns with Atom Bank's Fixed Rate

Want to know how much interest you will receive with Atom Bank's 9 Month Fixed Saver?

Estimated interest

£1,000 saved

£33.93

At 4.55% AER

£5,000 saved

£170

At 4.55% AER

£10,000 saved

£339

At 4.55% AER

£100,000 saved

£3,393

At 4.55% AER

Estimated over the 9-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 9 Month Fixed Saver

Atom Bank's 9 Month Fixed Saver at 4.55% is a decent short-term option for anyone who wants a defined end date without committing to a full year or longer, and the £50 minimum makes it accessible to most savers. I like that you can take interest monthly into a nominated account rather than waiting until maturity, which suits those who want a small income stream. The firm catch is that there is no access to your capital until the nine months are up, so only put in money you genuinely will not need. Kent Reliance's 9 Month Fixed Rate Bond is marginally higher at 4.56% if you want to compare before committing.
Jan Watermann (Co-Founder)DepositScout