Investor information

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

Download our annual report 2023/24
Atom's 2022/23 annual report open on pages with Chief Executive's Review

We’re transforming banking, join us

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.

Our background

Founded April 2014, in Durham, we’re a strong and unified team, led by a supportive Chairman and Board.

Our offering

We currently offer Fixed Rate and Instant Access Savings products, Business Banking Secured Loans and Retail Mortgages.

Our credentials

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.

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.

Governance

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

Atom bank’s Residential Mortgage Backed Securities (“RMBS”) deals are listed below, links are provided to the supporting Transaction Documents, Investor Reports and other relevant information.

ELVET MORTGAGES 2019-1:

Investor reporting about the ELVET MORTGAGES 2019-1 PLC RMBS is available through Citibank.

You can find transaction documents, investor reports, loan level data and cash-flow modelling information for ELVET MORTGAGES 2019-1 PLC at Euro ABS.

ELVET MORTGAGES 2020-1:

Investor reporting about the ELVET MORTGAGES 2020-1 PLC RMBS is available through Citibank.

You can find transaction documents, investor reports, loan level data and cash-flow modelling information for ELVET MORTGAGES 2020-1 PLC at Euro ABS.

ELVET MORTGAGES 2021-1:

Investor reporting about the ELVET MORTGAGES 2021-1 PLC RMBS is available through Citibank.

You can find transaction documents, investor reports, loan level data and cash-flow modelling information for ELVET MORTGAGES 2021-1 PLC at Euro ABS.

ELVET MORTGAGES 2023-1:

Investor reporting about the ELVET MORTGAGES 2023-1 PLC RMBS is available through Citibank.

You can find transaction documents, investor reports, loan level data and cash-flow modelling information for ELVET MORTGAGES 2023-1 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 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.

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.

Financials

Read about how we’re performing in our annual reports or about our adherence to Pillar 3 Disclosure requirements by downloading the reports below.

More Information

Tax Strategy

All the info you need on how we approach our tax regulations, including how we make sure we’re paying enough.

Internal Audit Charter

If you’d like to be sent a copy of our charter, please email audit@atombank.co.uk.

Get in touch

For all investor and media relations, please get in touch with the newsroom. Otherwise head over to our contacts page, where you’ll find more contact details.