Atom Bank
UK's first app-based digital bank offering competitive savings accounts and mortgages
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Free account
Rating breakdown
Pros
- Competitive savings rates — up to 4.38% AER
- App-only bank — no branch costs passed to customers
- FSCS protected (£85K deposit guarantee)
- 4.8/5 Trustpilot rating with 18,000+ reviews
Cons
- UK-only — not available to EU residents
- No current account — savings and mortgages only
- App-only with no web platform
- Mortgages only through broker network — no direct applications
Platform & features
Available on
Key features
Availability
Languages
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Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer