Protection
FSCS£120,000
Min balance
£0
Max balance
£100,000
Access
Instant
Interest paid
Monthly
Rate Tiers
No withdrawal in month
3.49%AER
Reward rate — no withdrawals made in the monthly interest period
Withdrawal made in month
2.00%AER
Withdrawal rate — applies in any month a withdrawal is made
How It Stacks Up
Ranks 64th of 152
Easy access accounts we track
This account 3.49%
- UK CPI (Aug 2026)
- 3.10%
- Pays 0.39% more
- Average easy access
- 2.83%
- Pays 0.66% more
- Best easy access
- 5.00%
- Pays 1.51% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A better-paying alternative
Tembo
HomeSaver
4.55%
AER
- Pays 1.06% more than this Atom Bank account
- Instant access, open with £10
We may earn a commission if you open this account.
A Good Fit For
- Pro: New and existing savers
- Pro: Savers who want instant access
- Pro: Savers who want a monthly income
Worth Weighing Up
- Con: The rate is variable, so it can go down
Good to Know
App-only. Sole accounts. Combined maximum of £100,000 across Instant Saver, Instant Saver Reward and Holding Accounts. Must connect a UK current account in your name.
Please verify all details with the provider – see our Disclaimer
See all Atom Bank accounts
