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Countries / 🇬🇧 United Kingdom / Banks / Atom bank
Atom bank fixed-rate bond rates
App-only UK bank offering Fixed Savers from 6 months to 5 years, from £50.
Verified against Atom bank's website 18 Oct 2026, 03:42 UTC
Rates and terms are set by Atom bank. Always confirm on the bank's page before you deposit.
Visit Atom bankPromotional rates
No promotional rate is published on the bank's page today.
Board rates
Standing rates when no promotion applies (and often what a promo renews into).
| Tenure | £50 – £100,000 |
|---|---|
| 6 months | 4.55% |
| 9 months | 4.55% |
| 12 months | 4.90% |
| 24 months | 5.10% |
| 36 months | 5.10% |
| 60 months | 5.20% |
Deposit protection: FSCS (Financial Services Compensation Scheme)
Since 1 December 2025 the FSCS protects deposits at UK-authorised banks, building societies and credit unions up to £120,000 per eligible person, per authorised firm (previously £85,000). Source, checked 2026-10-18.
Compare with other banks in United Kingdom
- Aldermore Bankup to 5.25%
- Shawbrook Bankup to 5.25%
- NS&I (National Savings and Investments)up to 5.17%
- HSBC UKup to 5.00%
- Marcus by Goldman Sachs (UK)up to 4.75%
- Santander UKup to 4.70%
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Sources
Every figure on this page was read from these pages at the time shown. Nothing is estimated.