Atom bank vs OakNorth Bank: most-reported complaints compared
Most-reported issues at Atom bank and OakNorth Bank, according to reviewers on Trustpilot — classified by our automated reader and backed by verbatim quotes from distinct reviews. This is a side-by-side of what reviewers report, not a score, rating or recommendation for either company.
Atom bank
TrustScore 4.8 · 21,743 reviews on Trustpilot.
691 reviews analysed, 2026-06-03 to 2026-09-17.
Complaint rate (recent window): 2%
94% of negative reviews get a company reply.
“they would not verify me to open the account”
OakNorth Bank
TrustScore 4.8 · 21,130 reviews on Trustpilot.
711 reviews analysed, 2026-05-13 to 2026-09-23.
Complaint rate (recent window): 2%
97% of negative reviews get a company reply.
“No access to my account for 2 months”
Reported on both
Issues with an evidenced category (at least two verbatim quotes) on both sides.
| Issue | Atom bank | OakNorth Bank |
|---|---|---|
| Account/app problems | 33% | 35% |
| Other | 26% | 25% |
| Support unhelpful | 24% | 21% |
| Billing errors | 9% | 10% |
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Figures are census classifications, not official statistics, and reflect what reviewers reported — not findings of wrongdoing by either company. Not affiliated with, endorsed by, or sponsored by Trustpilot A/S, Atom bank or OakNorth Bank.