We’re Atom. We’re the UK’s first bank built exclusively for your mobile.

So we’re an app, why is this so important? Well for one, it means we’re not splashing out on those pens on chains and high street branches, so we’ve got lower overheads. And YOU benefit – low costs for us mean better rates for you.

In fact, you’ve probably found us because you’ve noticed our competitive rates, or maybe it was the buzz around us changing the future of banking?

Our range of savings accounts and mortgages via our brokers can all be controlled through our app. And there’s more to come… so watch this space.

Future technology, now – we’re the future of banking, available today. Our app is a bespoke creation and our technology is built around you, our customers, so we can deliver what you really need from your bank; straightforward, easy and transparent banking.

Value – People join us because they like the way we work and they like our rates too. We’re great value and low-cost because we don’t have those pesky, pricy overheads that other banks have.

People – We built our bank around people – you and your money. With Atom, you’re in control and we work in your interests. Our greatest currency is trust and we’re rolling in it.

Bespoke banking – People say great things about what we do. We’re breaking records with the way we do things because we’re doing things differently. You’re at the heart of the bank; you name your account what you want and we'll even give you your own personalised marque. Your app is uniquely yours.

Safe and secure – Your individuality helps keep your account safe too. Welcome to the world of biometrics. Using your face, your voice and a 6-digit passcode, we’re keeping your money and details safe, but the app’s still simple and straightforward for you to access.

We’re at the beginning of our journey and there’s so much more to come...

What's New

Version 1.9

Introducing the new improvements and updates from our Atom bank app. We’ve continued to take on your comments and feedback as we’ve been tweaking too.
The main difference in this release is an update to our Mortgage T&Cs, which only affects new mortgage customers.

Customer Reviews

2.5 out of 5

104 Ratings

104 Ratings

Doesn't work


I've got as far as face recognition but this was after multiple tries of downloading the app and then when I did getting so far then it crashing again and again. I used to be clean shaven and have short hair before I tried to register with Atom Bank but now resemble Wurzzle Gummage - Google him and you'll see what I mean - long long beard and hair...Life has become too short to bother investing money this way so I'm going to take a knock on the excellent interest rates this bank offers - it's worth the cost of the haircut, beard trim and not getting older using Atom Bank...

Great until you get a new phone

Scott Rosser

Everything was fine, I like the concept with a vault etc. But after I got my new phone I cannot add my new device and login. They told me to delete the app and try again, didn’t work. Then delete, turn off keychain, iCloud backup and find my iPhone, install then turn them all back on. But by turning off keychain you lose all of your passwords across all devices and I’m not prepared to do that, it’s like 100 sites! I’m pretty sure all of my bonds are 5 years so hopefully they’ll sort the app out before then!!

Not the best of apps


Ran into the new device problem but the problem was solved eventually with a lengthy session with helpful support team.

Now my account is maturing, doesn’t seem to be an easy way to specify any renewal options. Although the email reminder suggests there is. :-(

Stupid app was reminding me about an empty account I created a year ago. It’s still telling me I have to fund it by a date a year ago. DOH. The app should prompt you to remove these orphan accounts or allow them to be deleted.


Atom Bank plc
195.3 MB
Requires iOS 8.0 or later. Compatible with iPhone, iPad and iPod touch.
Age Rating
Rated 4+
© 2016 Atom Bank plc


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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