Introducing the Easy Access Cash ISA!

Ready to put your money to work without sharing the rewards with the taxman?

Keep your savings protected with our new tax-efficient savings product, the Easy Access Cash ISA*. This highly-requested product follows the launch of our Instant Saver Reward in October 2024, and is the latest offering on our journey to providing better value and easy-to-use savings in the palm of your hand.

Our new Easy Access Cash ISA is a simple, secure way to maximise your money:

• Competitive tax-free rate: Earn a variable rate of 4.25% AER** on new deposits, meaning the interest earned on balances up to your £20,000 ISA allowance is tax-free***.
• FSCS protected: Your money is fully protected up to £120,000.
• Easy to open: Get started directly via the Atom bank app in minutes.

You asked, we listened

It feels great to launch a product that our customers have been asking us for. Your feedback fuels our innovation, and we’ve been listening. Here’s what you told us on Trustpilot:

• Mrs Bolshaw, 1st July 2025: “The Atom app is easy to use. The interest rates are good and Atom communicates well. I just wish you did cash ISAs”
• Steve, 24th June 2025: “One fixed term saving account ended and just started another. Easy online banking. The only improvement could be having ISA accounts available.”
• Lorraine, 15th April 2025: “Very easy saving, good rate of interest & easy to withdraw money at end of term. My only issue with Atom bank is they don’t offer cash isas.”

Chris Storey, Chief Commercial Officer at Atom said:

“Our customers have been asking us to launch a Cash ISA for a while, and we want to bring our focus on making things faster, easier and better value to this important market. Our new Easy Access Cash ISA reflects Atom’s customer-first approach, by offering a competitive and easy-to-use product that empowers people to keep more of their hard-earned interest.”

How it works

• Annual allowance: You can deposit up to your full £20,000 ISA allowance this tax year.
• Management: Open and manage your ISA through the Atom bank app.
• Flexibility: This is not a flexible ISA. This means if you make a withdrawal, you cannot replace that money without using more of your current year’s ISA allowance.
• Transfers in: We currently do not accept transfers in from other ISA providers. You can, however, transfer the full balance from your Atom Cash ISA to another provider at any time.

Ready to start maximising your tax-free savings? Then find out more about Easy Access Cash ISA and what it can offer you, and download our app and start your savings journey today.

* ISA rules, T&Cs and eligibility apply. Must be 18+ and a UK resident.

** ‘AER’ means ‘annual equivalent rate’ and is designed to make it easy for you to compare savings products. It tells you how much interest you’d earn if you put some money in an account and left it there for a full year. It takes account of things like how often the interest is paid and assumes any interest paid during that year is added to the balance and earns interest.

*** Tax-free means you won’t pay UK Income Tax on the interest you earn from this account.

The rate is variable, meaning it can go up and down. This is not a flexible ISA, meaning once funds are withdrawn, you can’t put it back in without using more of your ISA allowance. You currently can’t fund your Atom Cash ISA via an ISA transfer from another provider.