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The legal bits

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 T&Cs detail the agreement between you and Atom (‘we’/’us’) when you have a Fixed Saver account with us.

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

Business Banking T&Cs

For details of the T&Cs of our secured loan proposition for businesses, just click on the link below.


If you want to get into the details of our residential mortgages, just download any of the documents below.

Terms of use

Welcome to our website

Welcome to Atom HQ (the website part of it anyway). We’re pleased you’ve come to take a look around, but there’s just a few house rules that we need to ask you to abide by.  

Before you delve head first into the world of Atom, please give these terms a good read, and if you feel the need, save a copy for future perusal. 

By using our site you are accepting these terms of use. If you don’t agree with them, then we’ll have to politely ask you to leave the site. 

Other documents you should read

If reading policies is your thing, we recommend reading our 'Privacy and your data' section below and our note on Cookies. Don't worry, these aren't lengthy articles filled with legal jargon, everything's written in plain English and should only take a few minutes to read. 

What happens if we need to change anything?

From time to time, as we grow as a bank, we may make changes to these terms and conditions so please check back occasionally, as any changes we make are binding on you:

We may also update our site and may change the content at any time. Any of the content on our site may be out of date at any given time, but we will try our very best to keep it up to date. We’ll also try and keep it free from errors or omissions, but we can’t always promise this.

Using our site

We charge no fee to use our site so you're welcome to use it as much as you like.

Our products and services are only available within the UK and to UK residents. They also cannot be guaranteed, may not always be available and could be subject to change or withdrawal at short notice.

Intellectual property rights

We’re proud of this website and as such, we're like protective parents. So all of our designs, logos and material published on our site are owned by or licensed to us and protected by copyright laws, with all rights reserved.

By all means please download these terms and conditions but don’t alter them, use them for your own or commercial purposes or do anything contrary to our ownership of this site and its contents.

No reliance on information

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. 

Our liability to you

Liability is an important thing for us to talk to you about. So in the words of our leading legal lady Laura, here’s where we draw the line on our website liabilities:

We will not be liable for any losses you may suffer as a result of your use of our site whether they are direct or indirect and arising from your use or inability to use our site, save only in the case of any loss occasioned by fraud.  

Our site, or any content on it, may not always be available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our site.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content from it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Computer ailments a.k.a viruses

Although we constantly monitor our site, we can't guarantee that it will be secure or free from bugs or viruses and we therefore suggest that you use your own virus protection software.

We have optimised our site to ensure that it works across many platforms, however you may need to configure your computer programs, platform and systems in order to access our site. 

Security is hugely important to us and Jon, our Head of Security, has a few requests to make:

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. In the event of such a breach, your right to use our site stops immediately.

Linking to our site

We'd like you to spread the word about Atom. We do ask though that you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

We also ask that you don't establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists, or to any website that is not owned by you.

We ask that our site not be framed on any other site.

We do reserve the right to withdraw linking permission without notice.

The website in which you are linking must comply in all respects with the content standards set out on this page.

If you wish to make any use of content on our site other than that set out above, please contact info@atombank.co.uk.

Third party links and resources on our site

Where we link to other sites and resources provided by third parties, these links are provided for your information only and we have no control over the contents of those sites or resources.

Applicable law

These terms and your use of our site are governed by English law. You and Atom both agree that the courts of England and Wales will have exclusive jurisdiction in relation to them.

Alternative formats

We're all individuals, so if you need any alternative formats, such as large print, braille or audio CD to assist you with any special needs, please contact info@atombank.co.uk.


Atom is committed to making this website usable for everyone, whatever their abilities or disabilities. 

If you have any problems accessing or using anything on the website, please let us know.

Talk to us

If you've got any questions, comments or suggestions, let us know. The best ways to get in contact are through email; info@atombank.co.uk or Twitter; @atom_bank.

Privacy and your data


Sometimes, we use info held about you in the following ways:

Info you give to us

We will always use this info in the sincerest way, for example: to carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and services that you request from us; to provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about; or to keep you up to date about general Atom news. If you register your details with us on our site, we will retain them until we are open for business, so that we can send you more details up until that time. If you don't want us to use your data in this way, please email info@atombank.co.uk. We'll never pass your details on to third parties for marketing purposes. 

Info we collect about you

This info helps us to administer our site. We also use it for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes; to improve our site to ensure that content is presented in the most effective manner for you and for your device.

By submitting your personal data, you agree to this storing or processing. We will of course take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy. All information you provide to us is stored on secure servers. We do however need to point out that, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Your rights

You have, of course, the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such. You can exercise your right to opt out of marketing by contacting us at info@atombank.co.uk. Our emails will also have an ‘unsubscribe’ option. Our site may, from time to time, contain links to and from other websites. If you follow a link to any of these websites, please be aware that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Changes to our privacy policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by email. It’s a good idea to review these pages from time to time because any changes we make are binding on you.

Online security

Atom protecting you

We take security very seriously, especially when any of your data is involved and to help us do that we are using best-in-class security and are always looking for ways to improve it.

We will do all that we can to protect your security.

You protecting you

Here are some basic tips on how to keep your information secure online.

Don’t reveal private information in response to an email, text, letter or phone call, unless you are certain that the request is from someone you are confident is genuine.

The basics

Don’t leave your device unattended in a public place while you are logged in. If you need to use public Wi-Fi, you can find tips on staying safe on the Get Safe Online site.

We also strongly advise you to never access or change your personal information if you are in a public place and always log out of any site when you are finished using it.

Your computer

We suggest that you install effective antivirus/antispy software and firewall and ensure they are running when you use your computer.

A secure connection 

Make sure you use a secure internet connection. Look out for the “https” at the beginning of the website address, as well as the padlock security symbol in the browser frame.

Scams and phishing 

Scams are designed to trick you into giving away information that could be used to steal your identity or defraud you. Phishing typically involves emails that are sent to many people pretending to be from a bank or other trusted organisation. They may try to trick you into going to a site, to update your password for example, but the site will be a fake. 

If you are unsure about any email you receive, don’t reply; just delete it. You can find guidance on using email safely at the sites detailed below. 

Get safe online