Atom Bank vs Chip: an honest side-by-side on fees, features and who each one actually suits. Compare both savings accounts in one place.
| Atom Bank | Chip | |
|---|---|---|
| Our score | 9/10 | 8.4/10 |
| Fees | Low | Low |
| Summary | Best Fixed Rate | Best Auto-Save |
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.
AI-powered savings app that automatically saves for you based on spending patterns. Easy-access and fixed-rate options. Competitive rates with FSCS protection.