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Cash ISA

Atom Bank Cash ISA

Atom offers a single Cash ISA: an easy-access account with unlimited withdrawals and no minimum deposit. Two restrictions set it apart from most of the field — it is not a flexible ISA, and Atom does not accept transfers in from other ISA providers at all.

Last updated: 9 September 2026

At a glance

1 ISA covered

  • One easy-access Cash ISA
  • No transfers in accepted
  • Not a flexible ISA
See the rates

The accounts

Atom Bank Cash ISAs

Rates and terms as published by Atom Bank and read on 9 September 2026. Confirm anything that affects your decision on the provider's own page before you apply.

Easy Access Cash ISA

Atom Bank logo

4.25% AER variable

Rate type
Variable, with monthly interest
Access
Unlimited access to funds
Minimum
£0.00 minimum deposit
Withdrawals
Unlimited, but withdrawn money cannot be replaced

The rules

Eligibility, transfers and protection

Who can apply
Checked on Atom's savings pages; app-based application
Funding
From a bank account you already hold — Atom has no current account
Transfers in
Not accepted. Atom states it does not take transfers in from other ISAs
Flexible ISA
No — money withdrawn cannot be paid back in
Deposit protection
FSCS protected up to £120,000
Interest
Paid monthly

Before you commit an allowance

What to check first

  • Atom does not accept ISA transfers in. If you already hold a Cash ISA elsewhere and want it moved, this account cannot take it — an unusual restriction, and the single biggest reason this ISA may not suit.
  • It is not a flexible ISA. Atom's own wording: money withdrawn cannot be replaced without using up more of your annual allowance.
  • There is no current account, so the ISA is funded from a bank account you hold elsewhere.
  • The rate is variable and can change, so the headline is not a rate you are locked into.

A Cash ISA allowance is annual and does not roll over. Read how the providers compare before committing it to one bank.

Comparing Atom Bank's Cash ISA?

See how it sits against the other UK banks offering a Cash ISA, or read the full review of the bank behind it.

Compare Cash ISAsAtom Bank review