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Atom Bank

Illustrative reference data — not personal financial advice. Verify rates and fees on the provider’s own pages before acting.

App-only digital challenger. Instant Saver Reward 2.00% AER withdrawal rate (3.49% reward rate in months with no withdrawal — the drop applies only to the monthly interest period in which you withdraw). Fixed Saver 1-year 4.55%, 2-year 4.68%. Cash ISA 4.25% AER (unlimited access, not flexible). FSCS deposit cover £120k (from 1 Dec 2025).

Products tracked

What works
  • Consistently strong on fixed-rate bonds
  • Reward rate rewards leaving money alone — and the drop only affects the month you withdraw
  • Slick app UX
  • FSCS-protected
What to watch
  • App-only — no web banking
  • Reward bonus drops if you withdraw within the month

FSCSFinancial Services Compensation SchemeUK government-backed protection if a firm fails. Cash deposits at an authorised bank or building society are covered up to £120,000 per person, per banking group (raised from £85,000 on 1 December 2025). Investments at an authorised platform are covered up to £85,000 — a separate scheme. NS&I sits outside FSCS with 100% HM Treasury backing. protection

FSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).

FSCS deposit cover is per banking licence (not per brand). Lloyds Banking Group includes Lloyds, Halifax, Bank of Scotland, and Birmingham Midshires — all share one £120,000 cap. Investment platforms run on a separate FSCS scheme capped at £85,000. NS&I sits outside FSCS with 100% HM Treasury backing. Spreading large balances across separate licences preserves coverage.

Source · last verified 18 Aug 2026
https://www.atombank.co.uk/savings/ →

Instant Saver Reward: 3.49% AER reward rate in no-withdrawal months; 2.00% withdrawal rate applies just for the monthly interest period in which you withdraw. Easy Access Cash ISA 4.25% AER (unlimited access, not flexible). Fixed Saver 1-year 4.55% (2-year 4.68%).

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Reference data only — not personal financial advice or a recommendation. Rates and fees move; verify on the provider’s own pages before opening or transferring an account. Provider trademarks belong to their respective owners; Atom Bank appears here under nominative fair-use as identification of a UK financial product.