Registration 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 our App T&Cs and these Registration T&Cs. Please ensure you read them so you understand the terms of our agreement with you. If there’s any conflicting information, these Registration T&Cs take priority.

These T&Cs detail the agreement between you and Atom (‘we’/‘us’) when you register in 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.

Registering in the App

To enable you to register in the App, we extend your existing App Licence to include access to the Biometric Software we use to capture and validate ‘Your ID’. This is subject to the terms set out in the App T&Cs (except for the ‘Changes to these T&Cs’ section).

To register in the App, you will need to provide it with access to the camera and microphone on your device

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

Your customer record

When you register in the App, we will collect your first name, surname, email address and mobile phone number. This data will be used to set up your customer record.

Registering ‘Your ID’

To register in the App, you’ll need to set up ‘Your ID’ with Atom by providing us with three types of security information: a six-digit passcode; a scan of your face (‘Face ID’); and a recording of your voice (‘Voice ID’).

Your ID means we can securely verify you every time you log into the App. Once you’ve set up Your ID, you’ll be able to choose passcode, Face ID or Voice ID to log in. There may also be times when we’ll ask you to use more than one of Your ID data to complete specific activities - we call this ‘stepping up’.

You must never register Your ID data against someone else’s customer record. If you do this, we may terminate your use of the App and close any accounts you have opened.

You’re responsible for keeping your passcode safe; this includes setting a passcode that’s not easy to guess and not sharing it with anyone. You must tell us immediately if you think someone may have accessed or tried to use the App on your device. Please remember that we’ll never ask you to tell us your passcode, so you shouldn’t share it with anyone, even if you think they work for Atom.

Protecting your data

We will use your customer record and Your ID data to:

  • Set up your customer record.
  • Verify your identity
  • Complete troubleshooting, data analysis, testing, research and for statistical and survey purposes.
  • Suggest Atom products or services that may be of interest to you.

We encrypt the transmission and storage of Your ID data using the highest standards of security technologies and procedures

When you register Your ID data and every time you use it to log in or step up, it is encrypted and remains accessible to us for a limited period of time. It is then transmitted internally and stored as an algorithm so it cannot be accessed as an identifiable piece of personal data.

We use security measures to protect Your ID data from unauthorised access, maintain data accuracy and help ensure your data is always used appropriately. The measures we use to keep your data safe and secure include: data encryption and digital signatures to ensure the continuing integrity of your data; firewalls, intrusion detection systems, 24/7 physical protection of facilities where your data is stored; background checks for personnel that access physical facilities; and strong security procedures across all service operations.

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

Your data rights

Once you have registered your details with us, you have certain rights which apply, depending on the stage of your application, the information you’ve shared with us and our regulatory obligations relating to it. Your rights include:

  • The right to access your data.
  • The right to ask us to erase your data.
  • The right to share or move your data (sometimes called ‘portability’).
  • The right to ask us to correct any mistakes.

Take a look at our Privacy Policy for more information about your data rights and how they apply to you.

Your Vault

Once you’ve registered in the App, we’ll provide you with an in app Vault, a secure space, which can only be accessed by you and us. Whenever possible, we’ll put your important documents in your Vault, so you can access them whenever you need to by logging into the App. You can print or email any documents stored in the Vault if you want to.

The legal stuff

Changes to these T&Cs

If we need to change these T&Cs, we’ll give you 30 days’ notice so you can consider the changes in advance, except where they’re to your advantage when we’ll make them straight away. In most cases you’ll be able to close an impacted account if you’re not happy.

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 registration for the App, we each agree that this’ll be dealt with by the Courts of England and Wales.