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The future of banking, available today

Hello. We’re the UK’s first bank built exclusively for your smartphone or tablet. We launched way back in 2016 with Fixed Saver accounts and mortgages. We’re recognised as one of the fastest growing banking start-ups in Europe. Oh and we’re just getting started...

Fixed Savers up to 2.49% AER*

We love a chat but our competitive rates speak for themselves. Yes that’s right, our 5 year Fixed Saver account gives you 2.49% on your cash.

10/10 - It was so simple to set up and had a text as soon as the money reached my account which was very reassuring.” - Grace, Somerset (30.08.17)

Smile-inducing mortgage rates

Whether you’re remortgaging your home or buying a new pad – our rates are right up your street. Our LTVs vary from 60% to 90% so you can find your perfect fit for your perfect house. And the process is easy-peasy too – you can keep on top of every step in your Atom app. 

9/10 - The process was very straight forward, the app is easy to use and there were no fees.” - Rachel, Blackpool (30.08.17)

What customers really think about us

Reevoo 98%

Would recommend Atom

Based on 2,360 reviews as at 25.07.18


Fixed Savers

Based on 2,906 reviews as at 25.07.18

Reevoo 8.7


Based on 953 reviews as at 25.07.18

Easy access whenever

Easy access whenever, wherever

Smile. You can login using face and voice recognition. Easy. What’s more, you’ll have 24/7 support from our team standing by at Atom HQ.

10/10 - Very easy to use. Setup through the app is very user friendly. Security seems to be top priority with the 3 various ways to access the information.” - Mornay (30.08.17)

Get in touch, 24 hours a day, 7 days a week, 365 days a year

Call us

Call us

0333 399 0050
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*AER means annual equivalent rate. It tells you how much interest you'd earn if you put your money in an account and left it there for a full year.