We’re Atom; we were the UK’s first bank built exclusively for your mobile back in 2015, and since then we’ve been helping people save for their futures, buy their dream homes and start their own businesses.

We’re an app based bank, which is important. Why? 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, which means low costs for us, and therefore better rates for you.

People are saying great things about what we do on Trustpilot and Reevoo, because we’re doing things differently.

At the heart of the bank is you. You can name your account what you want and we'll even give you your own personalised logo. Your individuality is also the way we keep your account safe too. Using your face, your voice and a 6-digit passcode, we’re keeping your money and details safe, and the app’s still simple and straightforward for you to access.

You may ask why we’re doing all of this? Well, we’re doing it because we believe that most banks are inefficient and opaque and we just don’t think they are keeping pace with a changing world or with the changing needs and expectations of customers.

Put simply, we’re a bank designed to make you better off.

What's New

Version 2.2

Back in 2016 we were the first bank in the UK to introduce biometrics as a way to log in to your account. We’ve just enhanced them by adding real-time feedback during registration, so you’ll know how to take the perfect selfie, or record the best line.

And there’s more
- We’ve improved the way you accept our mortgage offers
- Our app now fills the iPhone X screen
- And there are more options for Fixed Saver interest payment dates.

Ratings and Reviews

2.7 out of 5

190 Ratings

190 Ratings

App needs improving


The title says it all really. I was very close to transferring some money across but the app seems a unstable on my iPad Pro 2017 version. I think there should be other improvements such as an easier way to transfer money in from an external account. At the moment you have to go to your current bank to transfer money in to the atom bank account. It seems like a bit of a faff considering people who want to bank using an app and generally looking for an easy time. Also you don’t have to register with a photo of your face,however the app is very misleading and makes you do this as part of the set up process. My gut feeling tells me none of this seems right so I don’t think I will be using their service until the issues get resolved.

Also the app doesn’t work in landscape mode on the iPad which is annoying when it is in its case stand, it just makes it uncomfortable to use.

Developer Response

Thank you for your feedback. It's not great to hear you've experiences issues with the stability of the app. It doesn't look like we've tested the iPad Pro so it would be really helpful to find out what the problems were and we'll see if there is anything we can do to fix it.

We appreciate your feedback around the wording of the FaceID requirements too, all customers need to complete this but, as you've stated, we'll ask for permission to use the camera when FaceID is required as part of registration. Landscape mode is something we're already looking at for the future of the app so keep an eye on update notes for that.

Great product

Fuchsia Cardigan-Fitzbaddeley

The app itself has slight flaws - when you upgrade to a better phone it often fails to recognise your face (because the new cameras are constantly improving) and you have to call the customer service team. I admit, this morning I drafted a 1 star review because of this, but I was so impressed by the manager who helped me today, stars are given where they’re due! What really saves it is the customer service you get when you speak to the Durham team. Everyone I have spoken to at Atom has been brilliant. They’re friendly, courteous and they know their stuff. And they do take feedback on board. Plus the fixed term savings accounts are among the best interest rates available.

Developer Response

Oh no Fuchsia :( We’re sad to hear of your troubles and we’ve passed on your feedback to the right people – thanks for sharing this. We’d never want to lose you and we’re always taking on feedback and new ideas from you guys to make sure your journey with us is tip top. In the mean time we’d love to help you out with this! Our customer support team are here 24/7 to get to the bottom of this for you. Just pop through on 0333 3990050 or :)

APP doesn’t work


App does not work after installing on new iPhone. It will not let me log in stating I’m entering incorrect details although I’m not. I called Atoms support and they said it looks like a connection issue as the app is busy with user logins and advised me to try to login later at night. Before advising this we walked through steps of deactivating iCloud and deleting then reinstalling the app, as apparently there is a known bug with new devices. Despite the walkthrough with tech support this still didn’t work. To be told that I just had to wait and try logging in later was frustrating. For the subsequent logins to fail also, was more than frustrating. Lucky that my saver account matures soon...

Developer Response

I'm sorry to hear of issues you experienced attempting to login. Whenever the app is installed on a new device the 'Add a device' link will need to be followed to see any existing accounts. On some occasions where apps have been synced from iCloud the app displays the 'Login' option but attempts will fail as the app can see it's a different device. If this happens you'll need to reinstall the app after disabling iCloud Drive and follow 'Add a device'.

If you're still experiencing the same issue, give us a call on 0333 399 0050 and we'll help you get back up and running.


Atom Bank plc
161.3 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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