{"id":96189,"date":"2018-03-21T14:53:16","date_gmt":"2018-03-21T14:53:16","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=96189"},"modified":"2026-02-23T08:07:46","modified_gmt":"2026-02-23T08:07:46","slug":"atom-bank-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/digital-banking\/atom-bank-review","title":{"rendered":"Atom bank review"},"content":{"rendered":"

Atom bank is one of the UK \u201cchallenger banks\u201d<\/a> aiming to bring banking into the present. Atom works entirely through your smartphone or tablet, making banking more accessible. However, unlike many of its digital banking peers (such as Monzo or Starling), Atom offers savings accounts and mortgages rather than current accounts. It also offers business loans.<\/p>

What is Atom bank?<\/h3>

Atom bank was one of the first wave of UK challenger banks<\/a>, launching in 2016. It sees no need for physical branches, providing all of its services from the app. Atom\u2019s strengths are value for money and convenience, and it has won praise for how easy it is to use. Atom doesn\u2019t offer any current accounts \u2013 only savings and mortgages, as well as business loans.<\/p>

The bank offers an Instant Saver account, as well as an Instant Saver Reward account that pays a higher rate of interest during the months you don\u2019t make any withdrawals. It also offer a variety of fixed rate savings accounts. <\/p>

Atom\u2019s fixed rate savings accounts<\/h3>

Atom has a range of \u201cFixed Saver\u201d accounts to choose from. The terms of these fixed rate savings accounts vary in length from 6 months to 5 years. You\u2019ll need to leave your money in the account for the agreed term length, and it will earn a fixed rate of interest over that duration.<\/p>

Table: sorted by interest rate, promoted deals first<\/div>
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2 of 12 results<\/span><\/small><\/div>
<\/use><\/svg>Updated\n\t\t\t\t\tdaily<\/span><\/a><\/span><\/use><\/svg>Share<\/span><\/a><\/span><\/div><\/div>
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\n Rate\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Invest\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Interest paid\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Withdrawals\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Open via\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Deposit protection\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Open via\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Incentive\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Table product description\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th><\/tr><\/thead>\"Atom<\/a>
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Atom Bank 5 Year Fixed Saver Monthly<\/a><\/span><\/div><\/td>
\n 4.45% AER fixed for 5 years\n <\/div><\/td>
\n From \u00a350 <\/span><\/div><\/td>
\n Monthly <\/span><\/div><\/td>
\n Withdrawals not permitted <\/span><\/div><\/td>
\n Mobile app\n <\/div><\/td>
\"FSCS<\/span><\/div><\/td>
\n Open via: mobile app.\n <\/div><\/td>