Application Terms and Conditions

General info

Our agreement

Banking with Atom is straightforward, so we give you information when it’s relevant to you. At this point, our contract with you consists of these App T&Cs. Please ensure you read them so you understand the terms of our agreement with you.

These T&Cs detail the agreement between you and Atom (‘we’/’us’) whenever you use the Atom bank plc Mobile Banking Application (‘the App’). In downloading, installing, copying or otherwise using the App, you accept and are bound by these T&Cs in relation to your use of all Atom products and services accessed by, connected to or using the App.

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.

Alternative format

Our digital format goes a long way towards achieving full accessibility for all, but if you need these T&Cs in another format, or if we can help you to use our service in any other way, simply contact us via the Help button in the App, call us on 0333 399 0050 or email

Your data

Device data

Every time you download or use the App, you’re giving us permission to collect technical information linked to the App. This includes data about the type of device, operating system and related software, hardware and peripherals you use for internet-based services. We use this data to enhance App security, provide our services to you and improve our products.

App data

To make sure we’re offering you the best experience we can, we’ll record events within the App, including page dwell time, time to complete processes, and how you use the App. This may also include the use of location data, connectivity type and technical device specifications. We do this to help with any problems we may encounter, and also to monitor App usage and make improvements.

Protecting your data

The App and device data we capture is encrypted and held in a secure environment. Some or all of it may be linked to your customer record, so it will be personally identifiable and will help us to offer you the best experience we can. We encrypt the internal transmission and storage of your location using the highest standards of security technologies and procedures.

Take a look at our Privacy Policy for more information about how we protect your data.

Security & compatibility

Device compatibility

To use the App you’ll need either an Apple© or Android© device that meets our minimum operating system and device compatibility requirements. You can find a list of these on our website at

It’s your responsibility to make sure you own a compatible device with a compatible operating system for the entire term of any products you have with us, so you can access important information about your accounts and/or service them effectively. If you’re unsure what this means, you should seek technical advice from the provider of your Apple© or Android© device or contact us via the Help button in the App.

Device security

You’re responsible for keeping your device safe, setting up device access security, installing anti-virus software on your device (where relevant) and logging out of the App when you’ve finished using it. Once the App is installed on your device, you must tell us if it’s lost or stolen or if you think someone may have tried to use the App on your device.

App use

Your licence

We grant you a non-exclusive, non-transferable, royalty free Licence to use the App as long as you stick to our T&Cs, and the rules or policies of the site you downloaded the App from. This Licence will govern any software updates that we provide unless we issue a new Licence at the time of the update.

You understand that you mustn’t distribute, publish or otherwise pass the App on to anyone else. You also understand that the App hasn’t been created just for your needs, but has been developed for general use.


When you download and use the App, Atom will have access to your Internet Protocol (IP) address; and when you use the App, it will connect via your data connection.

The App is only available via the UK App Store© and the UK Google Play© store. You may still be able to use the App if you’re temporarily overseas, but you might have difficulties installing updates. There are some countries where the App won’t work at all.

Terms of use

You agree not to:

(a) Translate, adapt, vary, modify, violate, circumvent, reverse-engineer, decompile, disassemble, create derivative works or otherwise interfere with anyelement of the App, or assist another person to do so.

(b) Use the App in any unlawful manner, for any unlawful purpose, in any manner inconsistent with these T&Cs, or act fraudulently or maliciously (e.g. by hacking into or inserting malicious code or harmful data into the App or any connected operating system).

(c) Collect or harvest any information or data from the App or our systems or attempt to decipher any transmissions to or from the servers running any service.

(d) Upload any content to the App or our systems that is or may be considered violent, threatening, liable to incite racial hatred, in breach of confidence or privacy, discriminatory, defamatory, abusive,unlawful, pornographic, obscene, indecent, profane or which may cause annoyance or inconvenience.

If you leave Atom we’d suggest that you remove the App from all your devices, for privacy and security purposes. Before you do, you should save a copy of your account information (including any statements or other important documents) for future reference.

App updates

From time to time we may update or modify the App:

  • To reflect changes in relevant laws and regulatory requirements;
  • To implement minor technical adjustments and improvements; and/or
  • To introduce new services.

We’ll let you know when updates are available for the App and we recommend you keep it updated. Some updates may be compulsory if you’re to continue using the App; and some older versions of the App may become obsolete or cease to be supported over time.

We’ll assume you’ve obtained permission from the owners of any devices you use but don’t own, to download or stream a copy of the App. Either or both of you may be charged by a service provider for internet access on the devices.


There will be times when we need to carry out planned maintenance on the App. When we do this, all or some of the App features might be unavailable for a period of time, so we’ll try to give you advance notice.

In the event of unplanned maintenance (for example, a technical fault or system error) we’ll make every effort to restore your service as quickly as possible.

We won’t be held liable for any consequence arising from the App being unavailable as a result of any technical issue that’s beyond our control. This includes unavailability of connectivity and technical issues with your devices.

Contacting us

Getting in touch

If you experience any technical difficulties with downloading or using the App, our customer support team is available to help 24/7.

If you need to tell us something or ask a question please contact us via the Help button in the App, call us on 0333 399 0050 or email You can also contact us via Twitter using @AtomHelp.

Got a complaint

Our aim is to get everything right first time, all of the time, but no one’s perfect.

If you’re unhappy with any aspect of our service or want to complain, you can tell us via the Help button in the App, or go to and we’ll guide you through our complaints procedure. We’ll do our best to resolve your concerns, but if we can’t, or if we don’t deal with your complaint within 8 weeks, the Financial Ombudsman Service (FOS) may be able to help.

The FOS is an independent organisation, which helps to settle disputes. You can find out more on their website (

The legal stuff

Changes to these T&Cs

These T&Cs provide you with a licence to use our App and we reserve the right to change them at any time. While we will not impose any onerous terms on you, you won’t have an option to accept or reject any changes we make; so you should read these T&Cs carefully and only accept them if you’re happy with that.

Intellectual Property Rights

Except as set out below, we’re the owner of the Intellectual Property Rights in the software and the App. By Intellectual Property Rights we mean all vested, contingent and future intellectual property rights including but not limited to copyright, trademarks, service marks, design rights (whether registered or unregistered), patents, know-how, trade secrets, inventions, set-up, database rights and any applications for the protection or registration of these rights and all renewals and extensions thereof existing in any part of the world whether now known or in the future created to which we may be entitled.

The rights granted to you are subject to the Intellectual Property Rights in ConfidentID® which are the property of Daon and are sub-licensed to us globally by Computer Sciences Corporation or its Affiliates.

Apple, the Apple logo, iTunes and App Store are registered trademarks of Apple Inc.

© 2015 Google Inc. Android, Google Play and the Android and Google logos are registered trademarks of Google Inc.

Suspension of the App

We can suspend your use of the App at any time, if we think it’s reasonably necessary because:

  • We’re concerned about the security of the App;
  • We suspect the App has been used fraudulently or in an unauthorised way; or
  • We have to do so to meet any legal obligations.

We’ll always try to give you advance notice of any suspension, unless doing so is unlawful or would compromise our security measures.

Our right to terminate

We can terminate your use of the App immediately if we reasonably believe you have:

  • Seriously or persistently broken the terms of our agreement;
  • Given us false information at any time;
  • Put us in a position where we might break a law, regulation, code or other duty that applies to us if we continue to let you use the App;
  • Committed or attempted fraud against us or anyone else;
  • Used the App illegally or for criminal activity;
  • Inappropriately allowed someone else to access your account; or
  • Behaved in a threatening or abusive manner towards our staff.

We will notify you as soon as possible after terminating your use of the App.

Applicable law

These T&Cs are governed by the laws of England and Wales and if there’s any disagreement about them, or between us about your use of the App, we each agree that this’ll be dealt with by the Courts of England and Wales.


You may not always be able to access the App. We’re not responsible for any losses if you cannot do so (for example, if you can’t obtain a product at a stated price). We’re not responsible if the device you use to access the App or to send or receive information doesn’t work properly.

We’re not liable for losses or costs caused by abnormal and unforeseeable circumstances outside our reasonable control and our efforts to the contrary (e.g. failures caused by industrial action, problems with another system or network, third party viruses or malware).