We've collected all the questions people have been asking, and some that people haven't asked us yet but we wish they had. If you've got a question we haven't answered yet, let us know.
Atom’s an app based bank: we don’t have any branches and we don’t act like the banks of old. We’re transparent, innovative, low-cost and put customers at the heart of everything we do. We use biometric security: face and voice recognition (with fingerprint ID coming soon) to log-in to our App. Everyone who joins Atom is given their own unique personalised brand. Put simply, they get to name their own bank, have their own logo, finished off with their own colour palette for the App. Our low cost model allows our customers to reap the benefits with better rates and overall value. Just one look at our App and you’ll see why we’re the future of banking.
We have our regulatory licence and are open for business! Our savings products are now open to everyone and we have instant access savings, mortgages and current accounts following in the not too distant future.
Anyone and everyone, as long as you’re a UK resident. In fact, if you have a smartphone or tablet, you’re in! Our aim is to make banking easy and enjoyable for all.
Yes, they are now! We’ve opened our Fixed Saver product to everyone and you’ll be seeing us on comparison sites.
We’re aiming for later this year. We’re working on it now and will start rolling a beta out to selected customers as soon as we can.
The doors are now wide open to anyone interested in savings accounts and small business loans. For everything else, sign up to our emails and we’ll make sure you’re the first to know.
You can use our app on most Apple and Android smartphones and tablets. For a full list of supported devices, click here.
You can now access your accounts on more than one device. Simply download the app on your other devices and tap "Already Registered", verify your identity and you're in. Simple.
Simply download the App from the Apple App Store or Google Play Store and you could open an account in a matter of minutes, all from the comfort of your own sofa! Head to the App home page, where you’ll find a smarti in the bottom right of the screen. Tap this and you’ll be transported to a screen offering different types of accounts. After selecting the type that you want to open, you’ll be shown some important info on the nature and specific details of the account. Once you’ve read over these you can progress to the T&Cs. As you’ll see, our T&Cs don’t load in their entirety to begin with, however by tapping the expand button you can read the full version of them. After accepting these you’ll be sent to a page that looks very similar; this page contains the FSCS guarantee and is similar to our own, however we recommend you read these properly as they’re important.We’ll then need you to give us a few bits of info so that we can carry out an ID check.
We want to recognise those who joined us at the beginning of our journey. So as a thank you for their support, Atom Founders will play a part in helping to shape the bank of the future. Anyone who becomes a Founder, by opening an account in 2016, will get a chance to test out new products and services before anyone else.
To apply for an account, you don't need any paper documents. We verify your identity electronically through the app. If we do need any more bits of info, we'll always try to keep it to an absolute minimum.
With Atom, customers can do all of their banking within the App. However, on those odd occasions where they need some help or support, they can contact our Customer Support Team 24/7. Customers can get in touch over the phone, chat to us in the App, email us or connect with us via Twitter.
We're working on making this as easy as tying your shoelaces, but don’t worry we have all of the regular payment services you'd expect of a digital bank.
We'll have a team of people based in Durham who will be there 24/7, ready to chat to you and sort out any problems you may have.
The best way to get in touch is email. Drop a line to email@example.com. We’ll acknowledge your email within four hours of its receipt.
If you’ve got our app, log in, click on the help button and you can chat to us straightaway.If you’d prefer to send a letter, our address is:
If we haven’t given you a resolution within eight weeks, or you’re unhappy with our decision to close your complaint, the Financial Ombudsman Service is at hand. You can find all their contact details on this page.
Customer security is vital to our services. As a result, we don’t store customer data on the App. When you log in, a secure connection is made with our servers and your data is downloaded as required. When you logout or your session ends due to a timeout, any changes are updated on the servers and then the data is automatically removed from the device.
When you first set up an account, you do so using biometric validation, and this allows us to create a unique VoiceID, FaceID and passcode for you. From then on, every time you want to log in to your account, you have to use one of these methods. Once you’re in the App, you also need to use your biometric profile to do certain things, for example, the more significant a transaction, the more biometric checkpoints you need to run through.
You can also be assured that our App uses appropriate cryptographic technology to ensure the movement of information between your phone and our secure data centre is always protected. In addition, all personal data that we hold is fully encrypted to secure your information.
You can rest assured you're in safe hands. You will be covered by the Financial Services Compensation Scheme, which means that your deposits will be covered up to £85,000.
A few things. First and foremost, you need a smartphone, and secondly you'll need a minimum of 3G to browse the app, unless you're using wifi of course.