Atom Bank Easy Access Cash ISA Review4.25% AER (Sep 2026)

Cash ISA from Atom Bank

Already got this account?Leave a review to help other savers

Protection

FSCS

Up to £120,000

Min balance

£0

Max balance

£20,000

Access

Instant

Interest paid

Monthly

Transfers in

Not accepted

Who Is This For

Learn more about Atom Bank

New and existing savers
Those wanting easy access
Savers happy with a £20,000 cap

Additional Info

The account is opened and managed exclusively via the Atom Bank app, with no minimum deposit required. Funds can only be added from a linked UK current account in the applicant's name.

Please verify all details with the provider – for more info read our Disclaimer

Estimated returns with Atom Bank's Cash ISA

Want to know how much interest you will receive with Atom Bank's Easy Access Cash ISA?

Estimated interest

£1,000 saved

£42.50

At 4.25% AER

£5,000 saved

£212

At 4.25% AER

£10,000 saved

£425

At 4.25% AER

£20,000 saved

£850

At 4.25% 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 Easy Access Cash ISA

This account suits anyone who wants a competitive easy-access ISA rate and is happy to open fresh rather than transfer an existing ISA pot, since transfers in are not accepted. At 4.25%, it sits just ahead of the Kent Reliance Easy Access Cash ISA at 4.24% if you want a close comparison. The key catch I would flag is that this is not a flexible ISA, so any money you withdraw counts as spent allowance for the year and cannot be put back without using more of your annual limit.
Jan Watermann (Co-Founder)DepositScout