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Atom bank savings rates
9 accounts listed. The highest rate is 5.20% AER on the Fixed Saver (5 year) (fixed for 5 years).
FSCS protection: up to £120,000 per person across everything you hold with Atom bank plc.
Easy access
| Account | AER | Access | Min to open |
|---|---|---|---|
| Easy Access Cash ISAISABeats inflation | 4.25% | Easy access | £1 |
| Instant Saver Reward | 3.49% | Easy access | £1 |
| Instant Saver | 2.50% | Easy access | £1 |
Fixed term
| Account | AER | Access | Min to open |
|---|---|---|---|
| Fixed Saver (5 year)Beats inflation | 5.20% | Fixed for 5 years | £50 |
| Fixed Saver (2 year)Beats inflation | 5.10% | Fixed for 2 years | £50 |
| Fixed Saver (3 year)Beats inflation | 5.10% | Fixed for 3 years | £50 |
| Fixed Saver (1 year)Beats inflation | 4.90% | Fixed for 1 year | £50 |
| 6 Month Fixed SaverBeats inflation | 4.55% | Fixed for 6 months | £50 |
| 9 Month Fixed SaverBeats inflation | 4.55% | Fixed for 9 months | £50 |
Compare Atom bank with every other bank
Who holds the money
- Deposit-taker
- Atom bank, a trading name of Atom bank plc
- Incorporated in
- United Kingdom
- Regulated
- Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 661960)
- Protection and disputes
- Financial Services Compensation Scheme and Financial Ombudsman Service
- Capital
- Paid-up capital and reserves of £425m at 31 March 2025 (latest published accounts).
- Website
- atombank.co.uk. Every "Go to bank" link we show for Atom bank leads only to this domain.
This page lists every Atom bank account Juno has checked on the bank's own website, highest rate first. Rates can change at any time: check with the bank before you apply. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank and how we're paid.