Atom Bank Fixed Saver Setup

Just wondering if anyone had experience setting up Atom bank Fixed Saver (6mnth, 9mth, etc)
The description says you have 7 days to make deposit (min £50) after opening an account, then it locks for a set period until it matures

My question is: during those 7 days, can one make multiple transactions into this account? possibly from different UK accounts (all in the same name)

or does it have to be one shot big bang transaction? second option makes me nervous, as I normally send a small amount, to make sure i got the details correct, then make follow up bigger transaction

Thank you


  • SMcGillSMcGill Forumite
    275 Posts
    Third Anniversary 100 Posts Name Dropper
    Deposits in several chunks is fine, I’ve done that with them a few times.
  • SensorySensory Forumite
    496 Posts
    Part of the Furniture 100 Posts Name Dropper
    As many transactions as you want.
  • edited 9 November 2022 at 10:03PM
    refluxerrefluxer Forumite
    1.4K Posts
    1,000 Posts Second Anniversary Photogenic Name Dropper
    edited 9 November 2022 at 10:03PM
    I've made multiple payments into Atom Fixed Savers in the past. I can't remember if they require a single nominated amount though - if they do then you will only be able to pay in from that account 
  • SallyforthSallyforth Forumite
    157 Posts
    Tenth Anniversary 100 Posts Name Dropper Photogenic
    I’ve had two fixed rate accounts with Atom and had no issues at all. You can make multiple deposits but seem to recall they need to come from one nominated bank account. 

    Just to add I have found Atom to be very efficient and the app is easy to use. They automatically increase rates on their easy access savings accounts too.

    Just waiting to see if they offer a slightly higher fix and I’ll jump.

    Saving for Christmas 2023 #49 🎄 £2ish a day £330/£720
    PADing in 2023

    RIP Mum & Dad - thanks for helping me on my journey to be
    Debt and Mortgage free from 2018

  • isasmurfisasmurf Forumite
    2K Posts
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Only deposits to the instant saver need to come from the nominated account. Deposits to their fixed savers can come from any UK account. 
  • garyeldergaryelder Forumite
    107 Posts
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    I have now fixed majority of my savings probably 75% of them 
    all above 4% highest is 4.85 
    really not expecting rates to go much higher 
  • DjangoUnchainedDjangoUnchained Forumite
    202 Posts
    100 Posts Second Anniversary Name Dropper
    you can transfer any amount from the minimum to the maximum. even though it asks you when you set it up how much you want to save, you dont have to keep to that.
Sign In or Register to comment.
Latest MSE News and Guides

Glitch hits Nectar bonzana

Did you miss out on bonus points?

MSE News

Ask an Expert: Scams

Watch MSE Katie's answers to your questions

MSE Forum

Hot Diamonds 40% off code

Including already-reduced outlet stock

MSE Deals