Get 5.00% for 5 years as Atom takes top spot for five-year fixed savings

• Atom bank has launched a market-leading 5.00% AER fixed rate over five years.
• Savers can secure long-term rates during a period of economic uncertainty.
• Quick and effortless setup through the 5 star rated Atom bank app in minutes.

Atom bank, one of the UK’s most trusted banks on Trustpilot*, has boosted its fixed-rate savings range, launching a market-topping 5.00% AER 5 Year Fixed Saver.

The new product currently holds the top spot on MSE and MoneySuperMarket for five-year fixed-rate savings accounts, offering UK savers an opportunity to lock in guaranteed returns on money they want to put away for the future.

The move comes as forward-thinking savers look to secure long-term rates during a period of significant economic uncertainty. While many traditional High Street incumbents continue to offer rates that fall short of the best available in the market, Atom is passing value straight back to savers by refusing to waste money on costly legacy systems or branch networks.

Fair value that works harder

Savers depositing £10,000 in Atom’s 5 Year Fixed Saver will earn over £500 in interest each year, securing a total return of £2,764** over the term without having to worry about market volatility.

Key details of the Atom bank 5 Year Fixed Saver:

• 5.00% AER/Gross paid annually (monthly interest option also available).
• Ranked #1 on MSE and MoneySuperMarket for 5-year Fixed Savers.
• Minimum deposit £50; maximum deposit £100,000.
• No withdrawals allowed during the fixed term.
• Open and manage fully in the app in under 5 minutes.
• Eligible deposits fully protected up to £120,000 by the Financial Services Compensation Scheme (FSCS).

Chris Storey, Chief Commercial Officer at Atom bank

“We believe saving for your future shouldn’t be a headache. We’re doing what we’ve always done, passing on value to customers through fair rates that currently beat inflation and help move the needle on your financial goals. Our Fixed Savers have always been incredibly popular and we want to continue offering attractive rates on an easy to use app.

“Locking in 5.00% fixed for five full years gives savers total certainty and long-term peace of mind in an unpredictable economic climate. For those who want shorter terms or access to funds whenever they need, we have a host of products that offer great value that are worth checking out.”

- ENDS - Notes to editors

*Based on 20,696 reviews, as at 03 August 2026

** The estimated total interest is calculated using the gross interest rate. It assumes you deposit the full amount on the day the account opens and that all interest is paid into the account annually. The date you open the account may affect the amount of interest you receive. Use our calculator to find out more.

Product Information

5.00% AER/Gross fixed interest guaranteed for 5 full years. Minimum deposit £50, maximum deposit £100,000. Funds can only be added during the one-week deposit window following account opening. No withdrawals allowed during the fixed term. 18+ UK residents only. Rates and market rankings are correct as of 30 July Terms & Conditions apply. For more information please visit our website.

Eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme (FSCS).

For Atom

Robbie Steel, robbie.steel@atombank.co.uk 07538 775 701

About Atom bank

Atom bank is one of the UK’s highest rated banks on Trustpilot*, and is on a mission to make the experience of borrowing and saving faster, simpler and better value than anyone else. The bank launched operations in April 2016 as the UK’s first app-based bank, and offers award-winning mortgages and savings through its app, alongside secured business lending for small and medium-sized enterprises.

Based in the North East of England with a team of nearly 600 people, Atom is here to ​​change banking for the good, for the better, and for everyone. This means focusing on customers’ needs, delivering better value than the incumbents, providing an exceptional app-based experience and offering award-winning customer support via phone, chat, email and social channels. The bank has some of the best customer service credentials in the UK, having achieved 5-star ratings on both the iOS and Android App Stores, whilst consistently delivering Net Promoter Scores (NPS) in the high 80s.

Based in Newcastle, Atom is an engaged and active member of the North East Community. In 2022 Atom signed a five-year Memorandum of Understanding with Durham University to progress key research and diversity initiatives. The region has one of the highest levels of youth unemployment in the UK and Atom is passionate about addressing the critical digital skills gap and helping develop young people and other groups that are under-represented within the industry. In 2024, Atom purchased 25 acres of newly planted broadleaf woodland in Northumberland to sequester 7000 tonnes of carbon, which will account for all its operational emissions since founding. This forms part of the bank’s pledge to be climate positive by 2035, becoming the first UK bank to make this commitment.

As of November 2021, all employees enjoy a four-day working week, after Atom became the largest company - and only bank - in Britain to introduce the policy for all employees, with no reduction in salary.

The Atom executive team are highly experienced, having built and run some of the most well-respected banks in the UK. CEO Mark Mullen has 30 years’ experience in the sector and was previously CEO at the multi- award-winning telephone and internet bank first direct. The team is supported by a strong non-exec board, chaired by Lee Rochford.