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Juno Hunt is a savings comparison service from MFG Management Services Limited (registered in the Isle of Man, company number 135041C; registered office Clarendon House, Victoria Street, Douglas, Isle of Man, IM1 2LN), part of Manx Financial Group. We list savings accounts from UK banks and building societies authorised by the Prudential Regulation Authority, and from NS&I, which is backed by HM Treasury. Manx Financial Group also owns Conister Bank: its accounts are ranked by rate alone like every other bank's and labelled "Our group".

Some banks pay us when you open an account through our link. That payment never changes the order of results. We don't give personal advice, and we never hold your money. Rates can change at any time, so check the details with the bank before you apply.

Juno is our mascot. She finds and ranks rates; she doesn't give advice, and neither do we.

Atom bank Fixed Saver (1 year): 4.90% AER | Juno Hunt

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Fixed Saver (1 year)

Fixed for 1 year · Checked 4 Nov 2026, 16:15

4.90%

AER

Above inflation: CPI 3.5%, September 2026

What you'd earn

If you put in (£)

You'd earn about £980.00 in 1 year, before any tax.

Worked out from the AER. Variable rates can change.

The conditions in plain English

Access: No withdrawals until the term ends.
Minimum: £50
Interest paid: Monthly
Manage by: Mobile app
Who can apply: Monthly interest shown; annual interest option may be offered in app.
Where we read it: Atom bank's own page, 4 November 2026

Full details

What Atom bank's own website says about this account. See it on Atom bank's website. The rate at the top of this page is the one Juno checked most recently.

Ways to open: Mobile appFrom Atom bank's website, checked 3 November 2026
Ways to manage it: Mobile appFrom Atom bank's website, checked 3 November 2026
Minimum age: 18 or overFrom Atom bank's website, checked 3 November 2026
Where you must live: UK residentFrom Atom bank's website, checked 3 November 2026
Joint accounts: Not allowed: sole names onlyFrom Atom bank's website, checked 3 November 2026
Ways to pay in: bank transfer (Faster Payments) from an account in your name and internal transfer from another Atom accountFrom Atom bank's website, checked 3 November 2026
Minimum to open: £50From Atom bank's website, checked 3 November 2026
Maximum balance: £100,000From Atom bank's website, checked 3 November 2026
Charges or lost interest: No withdrawals until the end of the term; the only exception is financial hardship. No cooling-off period.From Atom bank's website, checked 3 November 2026
Closing the account: Funds locked until the term ends; an account not funded within the deposit window is closed.From Atom bank's website, checked 3 November 2026

"Not stated" means neither the bank's Summary Box nor the pages we checked said; it doesn't mean no. The bank's terms and conditions are the full agreement.

Can I open this?

Tick what applies to you to compare it with the conditions the bank states. Nothing you tick leaves this page.

Your age 16 or 17 18 or over

Do you live in the UK? Yes No

Already a Atom bank customer? Yes No

How you'd like to open it In the app Online In a branch

Account holders I want a joint account

This compares your answers with the conditions the bank states; it isn't a decision. Atom bank decides who can open the account, and runs its own checks when you apply.

Who holds your 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).

FSCS protection

Up to £120,000 per person is protected across everything you hold with Atom bank plc.

Check your total protection

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Rate history

No change since tracking began.

Don't miss the end date

The term ends after 1 year. Add a reminder two weeks before. It goes straight into your calendar; we keep nothing.

Go to Atom bank to apply

You'll apply on Atom bank's own website. Atom bank may pay us if you open this account; that doesn't affect its position in our results.