Best Fixed Rate
App-only bank consistently offering some of the best fixed-rate savings in the UK. FSCS protected. Fixed-term savers from 6 months to 5 years.
Atom is an app-only bank that has built its business on paying competitive rates rather than on features. There is no web interface at all — everything happens on your phone.
Fixed-rate savers are the natural audience. Atom has been a consistent presence near the top of fixed-term tables for years, and its Instant Saver has been aggressive too.
Who it suits. Rate-driven savers comfortable running an account entirely from an app, particularly those willing to lock money away for a fixed term in exchange for a better return.
Worth knowing. The app-only model is genuinely absolute — if you would want telephone or branch access, this is not the bank for you. Atom holds a full UK banking licence, so deposits carry standard FSCS protection. Fixed-term accounts do not allow early withdrawal, so only commit money you are certain you will not need.