Atom Bank

Atom Bank plc is a UK mobile bank providing a range of competitive products and services. It offers fixed rate and instant access savings accounts, retail mortgages as well as business loans for small and medium-sized enterprises (SMEs). The mortgage services are only available through the brokers. The Bank doesn't provide current accounts. Atom is a reliable bank rated as excellent on Trustpilot with 4.9 out of 5.0 stars, based on more than 14,300 reviews as of November 2024. It also received Best Online Lender award (What Mortgage Awards) for the sixth year running. Established in 2014, Atom is the UK’s first app-only bank to be granted a regulatory licence. For the year ended March 31, 2024, Atom Bank had total assets of £7.3 billion, deposits of £5.7 billion, residential mortgages of £3.2 billion and shareholders' equity of £402 million.

Fast Facts (03/2024)
Net Interest income: £99.5 million
Operating profit: £27 million
Profit before tax: £7 million
Loan book: £4.1 billion
Number of employees: 504
Number of customers: 229,000

Atom’s biggest shareholders:
BBVA (Banco Bilbao Vizcaya Argentaria)
Toscafund Asset Management LLP, a private equity firm
Infinity Investment Partners

Head office address:
The Rivergreen Centre
Aykley Heads
Durham DH1 5TS
United Kingdom

Phone number
Customer support team: 0333 399 0050
Website: www.atombank.co.uk