Atom bank unveils table-topping saver rates

03 September 2021

The UK’s first app based bank, Atom, has today (3 September) increased rates for its award-winning fixed rate saver products, with a 1 year fix offering a market busting 1.50% and many other products taking market leading positions.

The move sees Atom offer far higher rates than those available from the traditional high street banks* and is yet another example of Atom driving value back into the savings market. Atom’s top rated app (rated 4.8/5 by Apple users and 4.9/5 by Android users) means that these rates are available in minutes to existing and new to bank customers from the comfort of their sofa.

Details of the new rates with both monthly and annual interest are:

  • 6 month Fixed Saver 0.75% Gross / 0.75% AER
  • 6 month Fixed Saver (monthly interest) 0.75% Gross / 0.75% AER
  • 1 year Fixed Saver 1.50% Gross / 1.50% AER
  • 1 year Fixed Saver (monthly interest) 1.49% Gross / 1.50% AER
  • 2 year Fixed Saver 1.75% Gross / 1.75% AER
  • 2 year Fixed Saver (monthly interest) 1.74% Gross / 1.75% AER
  • 3 year Fixed Saver 1.75% Gross / 1.75% AER
  • 3 year Fixed Saver(monthly interest) 1.74% Gross / 1.75% AER
  • 5 year Fixed Saver 1.86% Gross / 1.86% AER
  • 5 year Fixed Saver(monthly interest) 1.84% Gross / 1.86% AER

Edward Twiddy, Chief Customer Officer at Atom bank said: “Low interest rates throughout the pandemic have meant savers have had an especially tough time, but the rate changes we’ve unveiled today will really drive value back into the market.

“At Atom, we offer a better, easier and more accessible alternative to the traditional high street banks. We believe in being a bank people can trust, and in giving customers great value products, with a fully digital, hassle free account opening experience. And saving with Atom means you are supporting the bank’s lending to UK mortgage customers and small businesses.”

With £2.4bn in savings deposits from customers that regularly sing the praises of the bank - its current Trust Pilot rating of 4.6 stars indicative of its customer satisfaction.

Atom’s fully digital model takes the hassle out of banking and provides people with a fast, easy and secure service that is easily accessible through a smartphone or tablet. Customers can manage the whole savings process on their device: browsing, opening and accessing all fixed savers via the Atom bank app. The app protects customers with pioneering banking security using biometric technology with both face and voice recognition.

New customers can download the Atom app from the Apple or Android Play stores to open their account in a few taps, or visit for more information.


Note to Editors

*Current leading high street bank saver rates are:

Nationwide Building Society 1 year fixed saver 0.40%

Nationwide Building Society 2 year fixed saver 0.50%

For more information contact:

Becky Dolan (PR Manager)

Leigh Peacock-Goodwin (Head of Marketing & PR)

For Atom bank news and press releases, visit

For Atom bank assets, visit

About Atom bank

Atom bank launched operations in April 2016, offering market-leading Fixed Saver accounts and secured business lending for small and medium-sized enterprises (‘SMEs’), followed by its automated mobile mortgage proposition in December 2016. Atom launched an Instant Saver in September 2020. With a competitive rate, no short-term bonus, no limits on withdrawals and no minimum amount required at opening, the instant saver offers people much-needed flexibility while their cash works harder for them.

Atom is a mobile only and customer first bank. Based in the North East of England with a team of over 400 people, they’re here to do the right thing by their customers with outstanding levels of customer experience whilst taking the fight to the incumbents with exceptional levels of efficiency. At the heart of the bank is the app, with an award-winning customer support team on hand to help with any queries through phone, chat, email and social media