Welcome to Atom bank


Discover our products
iPhone showing 'Our Products' app page, alongside Android phone showing 'Your Mortgage' app page

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.

  • Savings

    Save up to 5.10% with our savings products

    Whether you need easy access to your money with an Instant Saver, or you’re in it for the long haul with a Fixed Saver, you’ll find an account to suit your needs.

    Explore our savings range
  • Mortgages

    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.

    Explore our mortgage range
  • Commercial mortgages

    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).

    Explore our business loans

Why Atom?

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

iPhone showing 'Our Products' page on Atom app
iPhone showing account actions on Atom app

An app to make life easier

Keeping you safe and secure

Smartphone showing 'Keeping you safe' information page on Atom app
A person wearing a headset looks at a screen

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.

Gold trusted service award for 2024

Our story

Many Atom bank staff gathered in the reception area, waving and smiling, at Atom headquarters

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
iPhone showing 'Our Products' app page, alongside Android phone showing 'Your Mortgage' app page

Use the App Store or Google Play buttons to download:

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.