Before you apply
- No withdrawals until the end of the term.
- The term is 1 year.
What you'd earn in a year
If you save
- Interest at 4.90% AER
- £245.00
- About
- £245.00
Before tax: about £245 a year on £5,000. Information only, not a recommendation.
Is my money safe?
FSCS protected: up to £120,000 per person, per banking licence.
This account is on the Atom Bank plc licence.
Legal name: Atom Bank plc.
Check protection on the FSCS website ↗ (opens in a new tab)Key facts
Money in and out
- Minimum deposit
- £50
- Withdrawals
- No withdrawals until the end of the term
- Manage
- App only
Interest
- Rate
- 4.90% AER fixed
- Monthly
- 4.79% gross / 4.90% AER
- At the end of the term (headline)
- 4.90% gross / 4.90% AER
- Interest paid
- Monthly or annually
- Where it goes
- Interest can be paid out, or added to this account.
- Term
- 12 months
Source: atombank.co.uk · Last verified 17 Oct 2026, 12:18 UK time
Rate history
We started tracking this account on 14 Oct 2026. Further changes will show here.
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