Instant Saver

It’s an app-based 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.

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 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 which 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 Atom Instant Saver 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.