Instant Saver
We’ve made saving simple.
- Open a savings account with £0
- Unlimited withdrawals
- 24/7 access to your cash from the app
What's the Instant Saver interest rate?
0.75% AER/Gross
That's 75x more interest than the high street banks*See how much interest you can earn from an instant access savings account.
- £100
- £500
- £1,000
- £5,000
- £10,000
£0.72
per annum**
* Average AER rate taken from Instant Saver accounts of Barclays, HSBC, Lloyds Banking Group, Santander, Standard Chartered and RBS on 21/09/2020.
** This is the estimated total interest based on our gross rates that you will earn over 12 months if you deposit on the day of opening. The estimate also assumes you don’t make any further deposits or withdrawals in 12 months, and interest is paid directly into the account.
Ready. Set. Save.
Get ready to save with our new Instant Saver. Here’s why you need an instant access savings account in your life...
Open your Instant Saver account in-app, in minutes and start saving whenever it suits you.
Withdraw or add money instantly, as many times as you like. You just need to connect a UK current account in your name to get started.
Our savings app means your savings are with you 24/7, whenever you need them.
Yeah, but what do customers think?
We use Reevoo - an independent review company - to get feedback from real savings customers. It's impartial, honest and well worth a look.
How your Instant Saver account works
Download our app and open your Instant Saver account.
To deposit or withdraw money whenever you want, however many times you want.
You don’t need to make a deposit straight away, you decide when. Once your first penny hits your account, you’ll start earning monthly interest.
Got a question?
Check out our most popular Instant Saver Frequently Asked Questions below, or kick back and read our Instant Saver T&Cs.
If you have any other questions about our Instant Saver, or want to find out more about Atom bank, head to our FAQs page.
To speak to a member of our team, jump into the app - they're here everyday, 8am to 8pm, ready to help.
Things to remember
Link your UK current account (which must be in your name and registered at your address) to your Instant Saver to transfer money in and out of your account whenever you want.
View your transactions in real time, know exactly when your statements are ready, and forget faffy paperwork, everything’s in the app.
Sound good? Start saving now.
Apply in app, in minutes
Be the first
Sign up to our newsletter and get the latest news from us, straight to your inbox.