Savings accounts with Atom

Sofa, bath or bed, our app means you can sort your savings when you want, where you want. We really make saving simple.

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 terms to suit you, we’ve got a range to pick from.

Why choose Atom for saving

Easy account opening

93% of customers think it’s either very easy or extremely easy to open an Instant Saver.* Open in minutes, all in our 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 money is 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 savings account with Atom?

It’s really easy, you can do it in minutes, there’s no faffing around with paperwork. In most cases, you just need:

  • A compatible device – find out if yours is here.
  • Details of your UK current account (registered in your name, to your address) if you’re opening an Instant Saver with us.

Got them? Right, you're all set...

  • Download the 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 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 if you’re opening an Instant Saver account
  • Now your account’s open!

You get all this with Atom...

Competitive rates

Award-winning customer service

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