Atom Bank savings rates

What Atom Bank pays on savings, next to the highest rate we checked for the same kind of account.

Last checked

Easy access

Atom Bank, easy access
AccountGood to knowCheckedSourceAER
Instant SaverApp only. Holds up to £100,000.Checked atombank.co.uk2.50%
Highest easy access rate we checkedLemFi, Instant Access Savings Account5.26%

Fixed rate, 6 months

Atom Bank, fixed rate, 6 months
AccountGood to knowCheckedSourceAER
6 Month Fixed SaverNo withdrawals or closing early for 6 months, except in hardship. App only, minimum £50, and one week to pay in.Checked atombank.co.uk4.55%
Highest rate we checked, fixed for 6 monthsAl Rayan Bank, 6 Month Fixed Term Deposit (Prosper boosted), through Prosper4.70%

Fixed rate, 1 year

Atom Bank, fixed rate, 1 year
AccountGood to knowCheckedSourceAER
1 Year Fixed SaverNo withdrawals or closing early for a year, except in hardship. App only, minimum £50.Checked atombank.co.uk4.90%
Highest rate we checked, fixed for 1 yearIsbank, 1 Year Fixed Term Deposit, through Meteor Savings5.21%

Fixed rate, 2 years

Atom Bank, fixed rate, 2 years
AccountGood to knowCheckedSourceAER
2 Year Fixed SaverNo withdrawals or closing early for 2 years. App only, minimum £50.Checked atombank.co.uk5.10%
Highest rate we checked, fixed for 2 yearsAfin Bank, 2-Year Fixed Term Account (Issue 12)5.30%

Fixed rate, 3 years

Atom Bank, fixed rate, 3 years
AccountGood to knowCheckedSourceAER
3 Year Fixed SaverNo withdrawals or closing early for 3 years. App only, minimum £50.Checked atombank.co.uk5.10%
Highest rate we checked, fixed for 3 yearsMorgan Stanley, 3 Year Fixed Term Deposit, through Raisin UK5.30%

Fixed rate, 5 years

Atom Bank, fixed rate, 5 years
AccountGood to knowCheckedSourceAER
5 Year Fixed SaverNo withdrawals or closing early for 5 years. App only, minimum £50.Checked atombank.co.uk5.20%
Highest rate we checked, fixed for 5 yearsAfin Bank, 5-Year Fixed Term Account (Issue 15)5.40%

Every account we check

How these rates are checked

Every rate comes from the page linked beside it, and we read those pages each day. A rate we can’t confirm is left off, and so is one we haven’t confirmed in the last 14 days.

The order is by rate and nothing else. Accounts that pay the same rate are listed by name.