Instant Saver

We've made saving simple.

Our Instant Saver is an easy access savings account designed to help you save whenever you want with great flexibility and zero fuss. Easy payments, Instant withdrawals. Simple.

  • Open a savings account with £0
  • Unlimited withdrawals
  • 24/7 access to your cash from the app
Man on phone wearing pink top

What is an easy access savings account?

An easy access saving account, also known as an instant access savings account, pays interest but lets you withdraw your funds instantly when you need them, with no penalties. You can open one of our Instant Savers without a deposit.

What's the Instant Saver interest rate?

4.11% AER / 4.03% Gross variableSee how much interest you can earn from our instant access savings account.

Instant SaverMonthly interest
Gross* variable4.03%
AER** variable4.11%
Earns You
per annum***

* ‘Gross’ is the rate of interest that’s payable on this account and represents the amount of tax-free interest you’ll earn in a year.

** ‘AER’ means ‘annual equivalent rate’ and is designed to make it easy for you to compare savings products. It tells you how much interest you’d earn if you put some money in an account and left it there for a full year. It takes account of things like how often the interest is paid and assumes any interest paid during that year is added to the balance and earns interest.

*** Per annum is the estimated total interest based on our gross rates that you will earn over 12 months if you deposit on the day of opening. The estimate also assumes you don’t make any further deposits or withdrawals in 12 months, and interest is paid directly into the account.

Ready. Set. Save.

Get ready to save with our Instant Saver. Here’s why you need an easy access savings account in your life:

Hub Screen
Set up in minutes

Open your Instant Saver account in-app, in minutes and start saving whenever it suits you.

Connect Account Screen
Easy access to your savings

Enjoy easy access to your savings. Withdraw or add money instantly, as many times as you like. You just need to connect a UK current account in your name to get started.

Start saving screen
Save at your own pace

With our Instant Saver, there is no minimum or regular deposit required, so you’re free to save at your own pace.

Account Screen
Ready 24/7

Our savings app means your savings are with you 24/7, whenever you need them.

FSCS protection screen
Your money is protected

All your savings with us, including our instant access account, are covered by the Financial Services Compensation Scheme (FSCS) up to a total value of £85,000.

How your Instant Saver account works

Open in-app

Download our app and open your Instant Saver account in minutes.

Connect your current account

Follow our simple steps to connect your account. Then deposit or withdraw money whenever you want, however many times you want.

Get saving

You don’t need to make a deposit straight away, you decide when. Once your first penny hits your account, you’ll start earning monthly interest.

Got a question?

Check out our most popular Instant Saver Frequently Asked Questions below, or kick back and read our Instant Saver T&Cs.

If you have any other questions about our Instant Saver, or 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.

Things to remember

Connected account

Link your UK current account (which must be in your name and registered at your address) to your Instant Saver to transfer money in and out of your account whenever you want.

FSCS protected

At Atom, your savings are covered by the FSCS up to a total value of £85,000 across all your accounts. You can learn more about how your money is in safe hands here.

We'll keep you updated

View your transactions in real-time, know exactly when your statements are ready and forget faffy paperwork — everything’s in the app.