Meet our simple and speedy products
Are you saving, buying a home or growing your business? We’ve got what you’re looking for. Our products are a breeze to open and incredibly easy to use. Plus, we don’t fork out on expensive branches, so we can deliver better rates for you.
MortgagesExplore our mortgage range
Fast, uncomplicated and competitive mortgages
We offer simple mortgages that provide competitive value through our network of independent brokers. Once your application is in, you can easily track it every step of the way in our app.
Commercial mortgagesExplore our business loans
Fixed and variable rate commercial mortgages up to 75% LTV
We’re supporting UK SMEs to grow with our business loan products. Our range includes fixed and variable business loans, as well as loans offered through the Recovery Loan Scheme (RLS).
Everything we do makes it simpler and easier for you to manage your savings and loans, while offering plenty of value along the way.
Savings and lending products that just work
An app to make life easier
Keeping you safe and secure
Changing banking for good
Just like other banks, we’re regulated by the FCA, PRA and have FSCS protection. However, we’re here to make banking easier, faster and better value through our products and in-app experience. Plus, it's all supported by our award-winning customer support team - real humans just a phone call away.
Discover how we’re changing things for our customers.
Atom was founded in 2014 to make things better by offering customers better and fairer banking. We were awarded our banking licence in 2015, then officially launched in 2016. We’ve gone from strength to strength since, growing to a team of over 520 talented people headquartered in sunny Durham.Read the full Atom story
What do our customers say?
Read the live, unfiltered reviews from our customers
Time to explore the app?
If you like what you see, then check out our app. Secure a great rate for your savings or simply and securely manage your mortgage.Find out more about our app
Looking to finance your business?
Head over to our business loans page for more details. When you're ready, you can then speak to a broker about your application.