Atom | Mobile only bank account

3006 reviews

Monthly fee: Free

AER: 2.3%

Atom | Mobile only bank account customer reviews.

3006 reviews

4.6 out of 5 stars

Our review of Atom | Mobile only bank account

As Atom Bank only offer savings accounts and mortgage applications, you may only want to consider this option if you have money to spare to put away. If you are not so good at managing money and putting money away in savings, this could be a great option. 

You can manage your savings through the app, so when you're ready to deposit money in, it's a simple quick process. The interest you could earn on the accounts is very competitive. However, these are not easy-access savings accounts so you can only withdraw your savings at the end of your fixed term which could be one, two, three or five years. 

Generally, reviews online are positive with particular praise on how easy it is to apply for a savings account, the competitive rates on offer and the updates you receive straight to your phone. 

Overall Verdict: Atom Bank offers a great hassle-free savings option with very competitive rates. If you are looking to easily set-up and manage a savings account without having to go in a branch, this could be the one for you. However, if you're looking for an easy-access account, you should compare other options. 

Written by: Alex


  • Small £50 deposit on savings accounts
  • Manage your savings accounts from your phone
  • Apply for a mortgage from your phone
  • Competitive rates on mortgages and savings accounts
  • 5 year Fixed Saver account gives you 2.50% on your cash


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

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About Atom | Mobile only bank account

Atom Bank is based online and can be accessed via their app. At this time, they only offer fixed-rate savings accounts and a digital mortgage broker service. Atom offers competitive AERs for their savings accounts with flexible fixed-terms. You can manage your savings account via their app and you will only need to make a small deposit of £50 to open the account.

You can apply for a mortgage through their app and a 'digital broker' will be in touch to discuss your options. Mortgage rates are competitive and fixed-terms are on offer. If you are looking for a joint mortgage, then both applicants will need to download the app and make an application. 

Atom Bank does not offer current accounts but they have received plenty of investment over the past couple of years and are planning to expand their products on offer. 

Company information

Registration number: 08632552

0333 399 0050

The Rivergreen Centre

FCA registration

Reference No: 661960

Trading names: Atom bank, Atom, Digital Mortgages by Atom bank

Place of business: The Rivergreen Centre, Aykley Heads, Durham, DH1 5TS

Data protection registration

Registration No: ZA106993

Data controller: Atom Bank PLC

Address: The Rivergreen Centre, Aykley Heads, Durham, DH1 5TS

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