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Atom Bank

General Information


Atom was the first mobile app only bank to be launched in the UK. It has had over £450m investment in it, including from Spanish bank BBVA and has musician as a Strategic Board Advisor

Banking Licence

Atom have their own banking licence which isn’t shared with any other banks

Registration Numbers

Companies House Number: 08632552

Financial Conduct Authority: 661960

Based: Durham

Date Launched: April 2016

FSCS Protected? Yes

Branches: Atom does not have any branches

People of Interest

Head of Savings


Chief Executive

Mark Mullen

Saving Information

No. of Savers


Amount of Deposits

£1.8bn as of 22nd July 2019

Loan Book


Account Opening and Management

How Do I Open a Savings Account

Mobile App

How Do I Manage a Savings Account

Mobile App


Lending Activities

Atom has three lending divisions:

  • Mortgages for residential house purchases
  • Business loans for commercial property investment, commercial owner-occupied and semi commercial borrowers.
  • Portfolio Buy To Let loans for landlords


Feefo Reviews

No reviews on Feefo

Savings Guru Verdict

For those prepared to apply for a savings account through a mobile app, Atom has offered some very competitive fixed rates during its existence. 

However, this has come at a cost as, in its financial year to 31st March 2018, Atom paid out £5.6m more in interest to savers than it received from borrowers.  While many banks offer price promotions in their early existence, we don’t believe this is sustainable and we will be following closely to see how Atom address this.

Contact Information for Atom Bank

Contact Details

Address: PO Box 105, Blyth, NE24 9DU 

Telephone: 0333 399 0050



Open: 24 hours, 7 days a week

About The Savings Guru

We help savers get the best deal for their money by providing unique insight in to the savings market.  We help prospective banks apply for a banking licence and we help build customer services, products and marketing for them.  We also work with existing banks and building societies to improve their savings propositions.  This  insider view of savings means we are uniquely placed to help savers.

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