Instant Saver

It’s an app-based instant access savings account that pays interest on the money you put in it. You can save as little or as much as you want up to £100,000. And you can put money in, or take money out whenever you need it — it really is easy access.

Anyone who wants to save money whilst having instant access to it!

You’ll need to be 18 years old or over, have the Atom app downloaded to your device and a UK current account registered in your name.

Yes, as it’s an instant access account, you can withdraw or add money instantly, as many times as you like. You just need the Atom app and a UK current account in your name to get started.

This is the account that you can use to send money to and from your Instant Saver. It must be a UK personal current account, in your name and registered at your address (it cannot be a business current account).

All your savings with Atom are protected by the FSCS (Financial Services Compensation Scheme) up to a total value of £85,000.

Please note: this is the total protection value across all Atom savings accounts and not applied per savings account.

You can only transfer money in and out of your Instant Saver using your connected current account.

To add money in, go to the branch or online banking site for your connected account. Then pay money to your Instant Saver using your sort code and account number (you can find this by tapping on your Instant Saver in your app). Your money will usually appear in your account as soon as your other bank sends it over.

Instant and easy-access savings accounts are similar as they both allow unlimited access to your funds — they’re sometimes used to describe the same type of product. However, there is a small difference: instant access accounts, like our Instant Saver, let you withdraw your money straight away, while there may be a short wait when taking money out of easy-access accounts.