Savings accounts

Opening savings accounts has been made simple with our saving app so that you can sort your savings when you want, where you want. We really make saving accounts simple.

We have a range of savings accounts for you to choose from, whether it’s our Instant Saver with 24/7 access to your cash when you need it, or one of our competitive Fixed Savers with fixed savings terms to suit you, we’ve got a range to pick from.

Young woman, wearing a yellow sweater, is smiling at her Atom savings accounts on her mobile phone

Why open a saving account with Atom

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 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

How easy is it to open a saving account with Atom?

Opening a saving 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 savings app. In most cases, you just need:

  • A compatible device to download our savings app on – find out if yours is here.
  • You bank details (registered in your name, to your address) if you’re opening a savings account with us.

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

  • Download the Atom savings app from the App Store or Google Play Store.
  • Review and accept our T&Cs if you’re happy with them.
  • Tap in your details to register with us.
  • Set up your biometrics to keep your savings account secure.
  • Provide a few final personal details.
  • Wait a few moments while we do our ID checks (more ways to keep you secure!)
  • Connect your UK current account
  • Now your savings accounts 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