Jump to menu

Application Terms and Conditions

Our T&Cs

Banking with Atom is straightforward, so our contract with you consists of four sets of T&Cs: App T&Cs; General T&Cs; Product T&Cs; and a product specific summary, based on the product you open. Please ensure you read all of these documents, so you understand the terms of our agreement with you.

These App T&Cs detail the agreement between you and Atom (‘we’/’us’) whenever you use the Atom Bank plc Mobile Banking Application (‘the App’). In downloading, installing, copying or otherwise using the App, you accept and are bound by these T&Cs in relation to your use of all Atom products and services accessed by, connected to or using the App.

Each condition of these T&Cs operates separately. If any court or competent authority decides that any of them are unlawful or unenforceable, the other conditions will remain in full force and effect.


To use the App you’ll need either an Apple© or Android© device that meets our minimum operating system requirements. You can find a list of these on our FAQ (link below). If you’re unhappy with how this App will operate on your devices, you should stop using it and remove it from your devices straight away.

App use

We grant you a non-exclusive, non-transferable, royalty free Licence to use the App and the Biometric Software that we use to capture and validate ‘Your ID’ (defined below), as long as you stick to our T&Cs, and the rules or policies of the site you downloaded the App from. This Licence will govern any software upgrades or updates that we provide unless we issue a new Licence at the time of the upgrade or update.

You understand that you mustn’t distribute, publish or otherwise pass the App on to anyone else. You also understand that the app hasn’t been created just for your needs, but has been developed for general use.

When you download and use the App, Atom will have access to your Internet Protocol (IP) address; and when you use the App, it will connect via your data connection.

The App needs to access the camera and microphone on your device. It may also use your gallery, contacts and location for customisation and/or the provision of specific services.

The products and services available through this App are only available to UK residents. You may still be able to use the App if you’re temporarily overseas, but you might have difficulties installing updates. There are some countries where the App won’t work at all.

You agree not to:

  • Translate, adapt, vary modify, violate, circumvent, reverse-engineer, decompile, disassemble, create derivative works or otherwise interfere with any element of the App, or assist another person to do so.
  • Use the App in any unlawful manner, for any unlawful purpose, in any manner inconsistent with these T&Cs, or act fraudulently or maliciously (e.g. by hacking into or inserting malicious code or harmful data into the App or any connected operating system).
  • Collect or harvest any information or data from the App or our systems or attempt to decipher any transmissions to or from the servers running any service.
  • Upload any content that is or may be considered violent, threatening, liable to incite racial hatred, in breach of confidence or privacy, discriminatory, defamatory, abusive, unlawful, pornographic, obscene, indecent, profane or which may cause annoyance or inconvenience.

We may terminate your use of Atom’s services including this App if you use it for any illegal or immoral purpose or commit a material or persistent breach of these T&Cs.

If you leave Atom we’d suggest that for privacy/security purposes you remove the App from all your devices. Before you do, you should save a copy of your account information (including your statements) for future reference.

From time to time we may update or modify the App:

  • To reflect changes in relevant laws and regulatory requirements; and/or
  • To implement minor technical adjustments and improvements.

We’ll let you know when upgrades are available for the App. Some of these upgrades may be compulsory if you’re to continue using the App; and some older versions of the App may become obsolete or cease to be supported over time.

We’ll assume you’ve obtained permission from the owners of any device you use but don’t own, to download or stream a copy of the App. Either or both of you may be charged by your service provider for Internet access on the devices.

By using the App, you’re allowing us to collect and use technical information about the devices and related software, hardware and peripherals for services that are Internet based or wireless. This’ll allow us to improve our products and to provide our services to you.

If we don’t insist that you perform your obligations under these T&Cs, it doesn’t mean you don’t have to. Similarly, if we don’t enforce our rights under these T&Cs, or we delay in doing so, it doesn’t mean we’ve given up those rights.

App security

When you download the App and register with Atom, we will collect three types of security information from you, which together make up ‘Your ID’:

  • A six-digit passcode;
  • A scan of your face (‘Face ID’); and
  • A recording of your voice (‘Voice ID’).

Your ID provides us with a secure way of verifying you every time you log into the App. Once you’ve set up Your ID, you’ll be able to select one of the three – passcode, Face ID or Voice ID – to log in and transact on your Atom accounts. There will also be times when we’ll ask you to use more than one of Your ID measures to complete specific activities.

You’re responsible for keeping your passcode and your devices safe, and you must tell us immediately if they’re lost or stolen, or you think someone may have accessed or tried to use your account(s). Please remember that we’ll never ask you to tell us your passcode, so you shouldn’t share it with anyone, even if you think they work for Atom.

You’re also responsible for taking reasonable steps to maintain the security of your device – we recommend you set up your device access security and install anti-virus software, where relevant.

Your vault

Once you’ve registered via the App, we’ll provide you with a secure space, which can only be accessed by you and us (your in-App ‘Vault’). This is where all your important documents will be kept, so you can access them whenever you need to by logging into the App using Your ID. This means your Vault is completely secure.

You’ll also be able to print or email any documents stored in the Vault should you need to.

Intellectual property rights

Except as set out below, we’re the owner of the Intellectual Property Rights in the software and the App. By Intellectual Property Rights we mean all vested, contingent and future intellectual property rights including but not limited to copyright, trade marks, service marks, design rights (whether registered or unregistered), patents, know-how, trade secrets, inventions, set-up, database rights and any applications for the protection or registration of these rights and all renewals and extensions thereof existing in any part of the world whether now known or in the future created to which the Licensor may be entitled.

The rights granted to you are subject to the Intellectual Property Rights in ConfidentID® which are the property of Daon and are sub-licensed to us globally by Computer Sciences Corporation or its Affiliates.

Apple, the Apple logo, iTunes and App Store are registered trademarks of Apple Inc.

© 2015 Google Inc. Android, Google Play and the Android and Google logos are registered trademarks of Google Inc.

Using your data

We will only ever use your Face ID and Voice ID for verifying your identity.

We use security measures to protect your data from unauthorised access, maintain data accuracy and help ensure the appropriate use of your data. These security measures include data encryption and digital signatures to ensure the continuing integrity of your data, firewalls, intrusion detection systems, 24/7 physical protection of facilities where your data is stored, background checks for personnel that access physical facilities, and strong security procedures across all service operations. These measures help ensure that your data is safe and secure. We encrypt the transmission and storage of your Face ID and Voice ID as well as your geographic location, using the highest standards of security technologies and procedures.

App availability

There will be times when we need to carry out planned maintenance on the App. When we do this, all or some of the features on your App might be unavailable for a period of time, so we’ll ensure we give you advance notice before we do this.

In the event of unplanned maintenance (for example, a technical fault or system error) we’ll make every effort to restore your service as quickly as possible.

We won’t be held liable for any consequence arising from the App being unavailable as a result of any technical issue that’s beyond our control. This includes unavailability of connectivity and technical issues with your devices.

App analytics

To make sure we’re offering you the best experience we can, we’ll record events within the App, including page dwell time, time to complete processes, and how you use the App. This may also include the use of location data, connectivity type and technical device specifications. We do this to help with any problems we may encounter, and also to monitor App usage and make improvements.


You may not always be able to access the App. We’re not responsible for any losses if you cannot do so (for example, if you can’t obtain a product at a stated price). We’re not responsible if the device you use to access the App or to send or receive information doesn’t work properly.

As far as the law allows, we don’t accept liability for any loss or damage arising out of your use or inability to use this App or its functionality; although nothing in these T&Cs shall be read as an attempt by Atom to limit its liability for death or personal injury as a result of its negligence or that of its employees.

We’re not liable for losses or costs caused by abnormal and unforeseeable circumstances outside our reasonable control and our efforts to the contrary (e.g. failures caused by industrial action, problems with another system or network, third party viruses or malware).

Need these in another format?

Our digital format goes a long way towards achieving full accessibility for all, but if you need these T&Cs supplied in another format, or if we can help you to use our service in any other way, simply contact us via the App, call us on 0333 399 0050 or email customersupport@atombank.co.uk.

Changes to these T&Cs

If we need to make any changes to these T&Cs, we’ll explain the changes 30 days before they happen, except where they are to your advantage (when we’ll make them straight away). This allows you to consider the changes and in most cases you’ll be able to close an impacted account if you’re not happy.

Applicable law

These T&Cs are governed by the laws of England and Wales and if there’s any disagreement about them, or between us about your account(s), we each agree that this’ll be dealt with by the Courts of England and Wales.