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 * Personal & Business
 * Intermediaries
   * Residential
   * Business

 * Savings
   * Instant Saver
   * Fixed Saver
 * Mortgages
   * Remortgage
   * Moving home
   * First time buyer
   * Product transfer
   * Less than perfect credit
   * Mortgage knowledge hub
 * Business loans
   * Recovery Loan Scheme
   * Commercial mortgages
   * Our roadmap
 * About us
   * Blog
   * Careers
   * Investor info
   * Security
   * Technology
   * Carbon report
 * Help
   * Contact us
   * FAQs
   * Money Worries

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WELCOME TO ATOM BANK


SAVINGS.
MORTGAGES.
BUSINESS LOANS.

Discover our products

Trustpilot
Rating correct as of 4th January 2024




MEET OUR SIMPLE AND SPEEDY PRODUCTS

Are you saving, buying a home or growing your business? We’ve got what you’re
looking for. Our products are a breeze to open and incredibly easy to use. Plus,
we don’t fork out on expensive branches, so we can deliver better rates for you.


 * SAVINGS
   
   SAVE UP TO 5.10% AER WITH OUR SAVINGS PRODUCTS
   
   Whether you need easy access to your money with an Instant Saver, or you’re
   in it for the long haul with a Fixed Saver, you’ll find an account to suit
   your needs.
   
   Explore our savings range


 * MORTGAGES
   
   FAST, UNCOMPLICATED AND COMPETITIVE MORTGAGES
   
   We offer simple mortgages that provide competitive value through our network
   of independent brokers. Once your application is in, you can easily track it
   every step of the way in our app.
   
   Explore our mortgage range


 * COMMERCIAL MORTGAGES
   
   FIXED AND VARIABLE RATE COMMERCIAL MORTGAGES UP TO 75% LTV
   
   We’re supporting UK SMEs to grow with our business loan products. Our range
   includes fixed and variable business loans, as well as loans offered through
   the Recovery Loan Scheme (RLS).
   
   Explore our business loans


WHY ATOM?

Everything we do makes it simpler and easier for you to manage your savings and
loans, while offering plenty of value along the way.


SAVINGS AND LENDING PRODUCTS THAT JUST WORK

Tell me more



WE PRIDE OURSELVES ON OFFERING SIMPLE PRODUCTS AND FANTASTIC VALUE

Our products are easy to set up and manage, and you can rest easy knowing our
award-winning customer support team is always there, seven days a week.

Get to know our savings, mortgages and business loans a little bit better.


AN APP TO MAKE LIFE EASIER

Show me how


WE ARE THE UK'S FIRST APP-BASED BANK

We've been making banking as effortless as possible ever since we launched. With
just a few taps you can open a savings account, track your mortgage application
or get in touch if you need help.

Discover more about our app and our approach to technology.


KEEPING YOU SAFE AND SECURE

Find out more




YOUR SECURITY IS OUR TOP PRIORITY

Choose from our in-app biometric security or your own device security, and rest
assured that we layer on additional security every step of the way. On top of
that, our real time notifications and FSCS protection are all there to keep your
mind at ease.

Find out more about our security.


CHANGING BANKING FOR GOOD

Just like other banks, we’re regulated by the FCA, PRA and have FSCS protection.
However, we’re here to make banking easier, faster and better value through our
products and in-app experience. Plus, it's all supported by our award-winning
customer support team - real humans just a phone call away.

Discover how we’re changing things for our customers.




OUR STORY

Atom was founded in 2014 to make things better by offering customers better and
fairer banking. We were awarded our banking licence in 2015, then officially
launched in 2016. We’ve gone from strength to strength since, growing to a team
of over 520 talented people headquartered in sunny Durham.

Read the full Atom story


WHAT DO OUR CUSTOMERS SAY?

Read the live, unfiltered reviews from our customers

Trustpilot
Rating correct as of 4th January 2024


TIME TO EXPLORE THE APP?

If you like what you see, then check out our app. Secure a great rate for your
savings or simply and securely manage your mortgage.

Find out more about our app



SCAN ME!

 1. Scan the QR code with the camera on your device.
 2. Use the link to open up the App Store or Google Play.
 3. Use Install to get the Atom bank app.


ALREADY ON YOUR MOBILE OR TABLET?

Use the App Store or Google Play buttons to download:


LOOKING TO FINANCE YOUR BUSINESS?

Head over to our business loans page for more details. When you're ready, you
can then speak to a broker about your application.

Follow us on social media

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Help and support

 1. Contact us
 2. FAQs
 3. How to complain
 4. Money Worries
 5. Site Map

About us

 1. Atom bank app
 2. Careers
 3. Investor information
 4. Modern slavery statement
 5. Reviews
 6. Security
 7. Consumer duty

News

 1. Blog
 2. Newsroom
 3. Media assets

Legal

 1. Terms and conditions
 2. Policies
 3. COVID-19 risk assessment

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© Atom bank 2024

"Atom bank", "Atom" and "Digital Mortgages by Atom bank" are trading names of
Atom bank plc, a company registered in England and Wales with company number
08632552. Registered office: The Rivergreen Centre, Aykley Heads, Durham DH1
5TS. Atom bank plc is authorised by the Prudential Regulation Authority (PRA)
and regulated by the Financial Conduct Authority and the PRA. Our Financial
Services Register number is 661960.