Compare savings accounts and rates

Opening a savings account has never been easier! With our app you can sort your savings when you want, where you want.

We have a range of savings accounts for you to choose from. Compare our

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Why should you open a savings account with Atom bank?

Easy account opening

93% of customers think it’s either very easy or extremely easy to open an Instant Saver.* Open a savings account in minutes, all in our savings app, with no paperwork.

A choice of security

Hands up who’s forgotten their passcode in the past? Yep, that’ll be most of us. That’s why we provide you with the option of using a passcode or biometrics to access your savings account - both super secure and simple to use.

Your savings are safe

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

*Source: Atom bank Post Purchase Survey of 127 customers. October 2020
**Please note: this is the total protection value across all Atom savings accounts and not applied per savings account

Find the best savings account for you

Compare our easy access and fixed rate savings accounts and rates.

Fixed Saver

Lock your money away for longer and enjoy a guaranteed interest rate for the entire term. Save at competitive rates from six months to five years.

  • Rates up to 4.60%

  • Super-fast, easy in-app setup

  • Your money's secure and your rate is fixed for the whole term

A great savings choice if:

You can save your money for a fixed term and want to lock in the interest rate.

Find out more
  • Remember once you put your money into a Fixed Saver, it'll be locked in until the fixed term ends.

Instant Saver

With 24/7 access, your money will earn interest and still be on hand, whenever you need it. You’re always just a few taps away from withdrawing your cash.

  • Rate of 3.55% AER / 3.49% Gross variable

  • Open a savings account with £0

  • Unlimited withdrawals and 24/7 access to funds from our app

A great savings choice if:

You need to be able to get your money instantly and you want flexibility.

Find out more

Instant Saver Reward

Get a higher Reward rate when you don’t withdraw your funds, plus all the features of an Instant Saver. And if you do withdraw, your rate reverts back to the Reward rate the next month.

  • Reward rate of 4.85% AER / Withdrawal rate of 3.25% AER

  • You’re rewarded when you keep saving but can still dip in at any time when you need to withdraw and earn at the Withdrawal rate

  • Unlimited access to your funds from our app 24/7

A great savings choice if:

You want to be rewarded for sticking to a savings habit, but still need access to your money.

Find out more

How easy is it to open a savings account with us?

Opening a savings account is really easy, you can do it in minutes. There’s no faffing around with paperwork as it can all be done through our app! In most cases, you just need:

Got them? You're ready to open a savings account

  1. Download the Atom savings app from the App Store or Google Play Store.

  2. Review and accept our T&Cs if you’re happy with them.

  3. Tap in your details to register with us.

  4. Set up your biometrics to keep your savings account secure.

  5. Provide a few final personal details.

  6. Wait a few moments while we do our ID checks (more ways to keep you secure!)

  7. Connect your UK current account

  8. Your savings account is now open!

What you get when saving with Atom

Competitive saving account interest rates

Award-winning customer service

Everything’s done in your savings app which is available 24/7

Sound good? Start saving now.

Apply in-app, in minutes.

Got a question?

Check out our most popular Savings Frequently Asked Questions below.

If you 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.