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.
We’ve given everything a bit of grease and polish, so we hope this shows! Overall, your app will feel smoother. Fixed Saver applications are slicker, and you can now browse through all our accounts without having to register on the app. We’ve also added a full explanation of how our accounts work, so you’re super clear on what you’re signing up to from the start.
Ratings and Reviews
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 firstname.lastname@example.org :)
Some nasty UX/workflow issues
The banking account are good, but the app has some substantial UX issues.
The sign-up process is problematic - the biometric voice/face ID seems very spotty, and getting the voice signup to work took 8 or 9 attempts. This seems daft given you don’t even need to use them once you’re signed up. I also had the sign-up process lock up at one point, and needed to chat to someone to get it working again.
The log-in process is also somewhat painful - unlike every other banking app you can’t use TouchID to login, and you’re stuck with a PIN or their problematic biometrics. Further, it seems to insist on telling you that you’ve been timed out on every login, creating another pointless step in the process. Whereas with First Direct or Monzo I can just hold TouchID and get in almost instantly.
Developer Response ,
Hi there, I am really sorry that you have had difficulty with the sign up process on the app. The face/voice ID will be needed again if you ever need to change your device or make any changes to your account within the app as a step up to security.
We are continuing to make changes to the app to make it better for our customers. The touch ID being one of them that we do plan to implement in the near future. Any feedback you have is welcome as it will help us make changes to the app in future updates and hopefully get us to that 5 star rating. If you want to give us a call on 0333 3990050, we are here 24/7 for anything you wish to discuss with us.
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.
Up to six family members will be able to use this app with Family Sharing enabled.