For intermediaries only:Our processing team has a high volume of documents to process this week so we may be busier than usual. Please bear with us for a few days.

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 Saving 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.


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

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.

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Mark MullenChief Executive Officer
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Edward TwiddyChief Innovation Officer
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David McCarthyChief Financial Officer
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Rana BhattacharyaChief Technology Officer
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Chris SparksChief Risk Officer
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Stewart BromleyChief Operations Officer
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Rachel McLauchlanChief Audit Executive

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.

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Bridget Rosewell CBEChairman
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Mark MullenChief Executive Officer
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David McCarthyChief Financial Officer
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Laurel Powers-FreelingSenior Non-Executive Director
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Ergun ÖzenNon-Executive Director
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Patricia JacksonNon-Executive Director, Chair of Risk Committee
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David RoperChair of Audit Committee
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Cheryl MillingtonNon-Executive Director
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Gonzalo RomeraNon-Executive Director


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

Tax Strategy

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

Would you like to 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.

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