Atom Bank Deals

Atom Bank Deals & Offers

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All Atom Bank Deals, Discounts & Sales for October 2018

Atom bank 1 year fixed rate savings increased to 2.05%
1138°Expired
Found 9th JunFound 9th Jun
Ok, so not a massive jump from the previous rate of 1.95% but enough to get to the top of the 1 year fixed rate savings table. No doubt there will be plenty of comments about the … Read more
pelaquin

I have since moved my money into premium bonds, with NS&I. Robo Advisors were/are good but Brexit is going to cause low returns for the next few years, so bonds are the better investment. I'm also buying Disney bonds which you can buy directly from Disney, with Disney launching their Netflix rival streaming service next year, and now owning marvel we could be talking a 600% return on any investment over 5 years. You don't need to be a math genius to work out what that could mean to having just £500 in shares.

danfearnehough

I can agree with this. Have an account with Nutmeg and this year to date I’m running at 8%.

jp2016

I’m just waiting for a decent deal (lol)

davidridge1

You need a humour transplant ;)

jp2016

How many UK banks have collapsed in the current decade? (The clue is less than 1)

Atom bank 1 year fixed saver: 1.95% AER
280°Expired
Found 7th Nov 2017Found 7th Nov 2017
Hi folks, Atom bank's 1 year saver has gone up from 1.8% to 1.95% AER in response to the BOE base rate hike. While it's not the full .25% increase, it brings it above the Parago… Read more
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myotherusernameisclean

https://www.investmentweek.co.uk/investment-week/news/3020209/bank-of-england-raises-rates-to-05-for-first-time-in-decade There may just be 2 in the next 3 years. If i had cash I didn't mind locked away, I'd go for this deal now.

Askrulous

Its great to see Atom raising their rates, but I think I'll wait for further interest rises before shifting any money about.

chamelion

... If you're earning 2% on the lot. If you're getting 3-5% on the best accounts out there that £500 disappears much quicker!

dbailey10

£500 tax free though so only an issue if you have savings over 25k

chamelion

It's worth noting that if you're a 40% taxpayer, consider your options. After tax this would be 1.17% AER - which is not any better than an ISA which won't lock you in.

Atom Bank: Two-year fixed rate mortgage 1.09%, £900 fee, remortgages only
234°Expired
Found 26th Oct 2017Found 26th Oct 2017
App-only bank Atom has re-vamped its mortgage rates. The best deal is a two-year fixed rate mortgage at 60% LTV (so you need 40% equity) for re-mortgage customers. The rate is 1.… Read more
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satty83

Offer received yesterday. Have to say everything has been really straight forward. Had to use the app to accept. All down to the legal people now to complete in feb but I've had a simple job in remortgaging with atom. Also thanks to OP for pointing me in this direction as you cant get atom rate on comparison sites. Also avoid sainsbury I was initially trying them and the 2wk before a call back meant any deal is likely to have gone which is what happened to me first.

satty83

I think it has changed. Lucky as my application is already on going I managed to get this rate.

chamelion

Spoke to a 2nd broker - same deal, 1.29%. Guessing it's too late to get above headline rates.

chamelion

Hi folks, Anyone apply in the last few days? I'm being offered 1.29% with a 900 fee! I mentioned this thread and he said the rates have recently changed. Should I believe this?

satty83

Just currently going through an application for this. So thanks OP. Fantastic rate. Not sure what the best atom rate is currently as they don't advertise them

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1.84% 5 year fixed rate mortgage, No Fees, 65% Loan to Value Mortgage Product.  Digital - Atom Bank
266°Expired
Found 6th Oct 2017Found 6th Oct 2017
Digital Mortgages (Atom bank) are offering the above rate exclusively through London & Country Mortgage Brokers. No product or reservation fee plus free legal fees for remor… Read more
humadoon

That was a good deal haven't seen anything batter than this deal since than.

humadoon

Go via mortgage simplicity you can get cashback via quidco and they have very good service as well

Agent_Silver

Just in process of moving with Santander, have a lifetime .75% tracker through Alliance & Leicester, porting that and topping up with 2 year 1.09% tracker, can exit at any time, from first call to morgage offer, less than two weeks, online tracker. no complaints.

steve765

HSBC is withdrawing some of its fixed deals today (I can foresee an interest rate rise there!). Bank of Ireland has already upped some of its fixed rates.

flyingflea

Been with Santander since they were Abbey. Never had any issues. I just switched my mortgage to them and the process went very smoothly. Obviously your mileage may vary.

Fixed saver rates up to 2.50% at Atombank
73°Expired
Found 5th Sep 2017Found 5th Sep 2017
Tired of low interest rates. Grab these deals while available. All government backed.: 1 Year Fixed Saver Annual interest … Read more
RayB

Watch out tying yourself up for more than 2 years as interest rates may go up during that time or soon after. Also the extra interest offered above 2 years is minimal. I believe this product is only available via a mobile app. which does not suit me and quite a few other people, thus restricting the product to fewer potential customers.

giltbrook

Most reviews seem very poor on Trustpilot, scroll down past the couple of 5* reviews at the top, one of which, from Emelia, seems to be blaming the age of customers for the problems that they are experiencing, and states:- Fantastic! Why can't every bank be like this? Every document is accessible on the App and they kept us up to date through our entire mortgage process. Very refreshing bank and good customer service on the one occasion I had to call up. I can understand why older people might not like the phone/app only method they use but for a 27 year old it's perfect! https://uk.trustpilot.com/review/atombank.co.uk

5 Year Fixed Rate Mortgage 1.29% @ Atom Bank
1438°Expired
Found 12th Apr 2017Found 12th Apr 2017
Atom Bank is to offer a five-year fixed-rate mortgages this week, with the highlight being a record-breaking rate of just 1.29% if you can borrow 60% of your home's value. The 1.2… Read more
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lucifercalling

Been dragging this out for months, surprised they let me lol but I accepted their offer today :)

humadoon

​thats great. my broker was very good however "One ill patient" O'Neals are very slow and not the best.

senukas

It was remortgage. All process from application to completion took under 7 weeks (although I could have completed a week earlier if I wanted). Solicitors done their job within 2 weeks and we waited for my desired completion date.

humadoon

​hsbc deal is pretty good

humadoon

​congratulations was it a remortgage? how long it took you after completion from Atom with solicitors?

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2% fixed rate saver 1yr [min £50] via app only @ Atom Bank
74°Expired
Found 2nd Mar 2017Found 2nd Mar 2017
found via MSE. https://www.atombank.co.uk/fixed-saver. full FSCS protection. 2yr and 3yr fixed also.
tyke

I don't think so - this rate has now gone down to 1.6%. Was just about to go for it too! I'll have to look at other options now, but I suspect this product will still offer the best rate.

squiby

​i can only think (wishful) that a rate rise must be on the horizon.. they want people to lock in now at lower rate.

tomwatts

Very little overhead from what I can see, with big backers (BBVA) looking to the future of banking.

slipd

Aren't these guys billed as the "future" of banking? App only, no branches... kind of like banking for me now anyway (_;) Heat OP, might be in the market soon for some fixed term savings.

Dedcon

I cannot see how they can afford to give interest rates so much higher than other banks and having not heard of them before it makes me a bit dubious. I know they Have FSCS but I can't help thinking 'if something seems too good to be true'.