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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

Aileen Robertson

Chief Executive

Mark Mullen

Saving Information

No. of Savers


Amount of Deposits

£2.15bn as of 31st March 2021

Loan Book

£3bn as at 7th July 2021

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

Atom were largely out of the savings best buy tables for 2020 but have returned strongly in Q2 2021.  Their financial results for 2020 saw them, for the first time, make a small positive net interest margin i.e. they earned more in interest from borrowers than they paid in savings.  In its latest capital raise (£40m in April 2021), it noted that it was 'heading to profitability' and expects its results to 31st March 2021 to show a 1% net interest margin.

Despite its savings accounts only being accessible by mobile app, it has some of the highest customer service satisfaction scores in the market.

Contact Information for Atom Bank

Contact Details

Address: PO Box 105, Blyth, NE24 9DU 

Telephone: 0333 399 0050



Open: 8am - 8pm, 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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