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Investor information

Want to know how we're changing banking for good? You're in the right place. Discover more about Atom Bank plc.

View our Annual Report 2017/18

We're transforming banking, join us

Who we are 
We’re the UK’s first bank built exclusively for mobile. We’re redefining what a bank should be, making things easier, transparent and better value in the world of finance.

Headquartered in Durham, we’re a strong and unified team, led by a supportive Chairman and Board. 

What we do 
Founded in April 2014, in 2016/17 we’ve launched Fixed Rate Saving products, Business Banking Secured Loans and Retail Mortgages. 

Authorised by the PRA and regulated by the FCA and the PRA, we’re also members of the FSCS; all of which delivers reassurance to both customers and investors.  

Business model and strategy

We want to...

Change banking for good.  For the better for everyone.

We’ll do it by making it much less expensive, more transparent and far easier to use.

If we do this, we will grow our business, make money for our investors and provide a bright future for our employees - the people who made it all possible in the first place.

A cost-efficient, effective way of banking
Our business model is founded on investment and development of technology with clear and simple product and service principles.  

This low cost and agile infrastructure allows us to offer good value products to customers with a great user experience. Products can be scaled quickly resulting in delivering returns to investors.

For more information on our Business Model and Strategy take a look at our Annual Report.


Running a bank can be complex and creates a number of risks.

Effective risk management is a core part of our strategy and is integral to being an authorised and credible bank.

We’ve created a strong team and organisational structure to ensure the business is appropriately managing these risks.  

Our Board of Directors is responsible for the overall governance of the Bank. Good corporate governance underpins the integrity of Atom and the wider community in which we operate. Our success is predicated on a framework of effective systems of internal control, risk management and compliance, in accordance with regulatory requirements.

Debt Investors

Following the successful launch of its range of residential mortgages in December 2016 (trading as Digital Mortgages), Atom bank is pleased to announce the creation of its Residential Mortgage Backed Securities (‘RMBS’) programme as part of its long-term funding strategy to fund growth.

ELVET MORTGAGES 2018-1 is the inaugural RMBS transaction. 

Investor reporting about the ELVET MORTGAGES 2018-1 PLC RMBS is available through Citibank 

You can find transaction documents, investor reports, loan level data and cash-flow modelling information for ELVET MORTGAGES 2018-1 PLC at Euro ABS


Useful links

Meet Atom: find out who we are and what we're about

Contact: For securitisation investor queries please email elvetmortgages@atombank.co.uk


Our Board of Directors

Our Board of Directors is committed to maintaining the high standards of corporate governance expected by our customers, investors and regulators. It is responsible for formulating the strategy for the business and providing the oversight and direction to put it into effect.

Our Executive team

The Executive team, under the leadership of our Chief Executive Mark Mullen, is responsible for executing the strategy for the business and the day to day running of Atom.

Would you like to get in touch?

For general enquiries contact newsroom@atombank.co.uk or visit our contact page