Atom bank 4+

Atom Bank plc

    • 4.8 • 49K Ratings
    • Free



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

Banks talk a little too much about themselves don’t they? That’s not really our thing.
We’d much rather talk about interest as it’s the only thing that’s actually interesting, right? Or maybe talk about how we can help get you into your dream house, or if you’re already in it, how we can help remortgage it.

Simply, we’re here to do the right thing by you, our customers. To stand up against the big banks, to save you time, offer you the best products we can and help you to take control of your finances.

What’s New

Version 3.26.04

The tiny engineers who we use to update our app have informed us they need to make a tiny update. If it’s small to those guys, it must be miniscule! They also mentioned it will take just a second to download.

Ratings and Reviews

4.8 out of 5
49K Ratings

49K Ratings

Ltdii ,


I have to admit I was a little bit unsure about opening an account via an app with a bank I had never heard of, but Atom kept coming top in best interest tables, so after checking the Fscs register to make sure deposits were protected fully I took the plunge and opened an account.
What a breath of fresh air! After years of banking with dinosaur financial institutions Atom is a comparative delight, the app works perfectly everything is super simple yet very secure. Clear accurate information with plain English all the way, with a friendly interface, making it easy to find information at ALL times. I notice that if I transfer money out it quite literally takes seconds to appear in my nominated account, thats pretty mind blowing and puts the likes of the old boys at Lloyds, NatWest etc to shame.
Atom bank…Whats not to like? In fact what’s not to love! with all the above AND some of THE BEST INTEREST RATES available in the uk, this is modern banking at its best. So in summary; after well over a year of using and not a single glitch occurring I’m pleased to announce that,
I ❤️

Developer Response ,

Thank you so much for taking the time to leave us your amazing review! We're always so happy to receive feedback like yours and know that all that we're doing makes our customers pleased with their Atom experience :) SXB


Simple, secure, no nonsense top tier rates and excellent service .

I will not be “rate chasing” with the range of unethical, complicated and frankly out modes companies in banking like I have all my life. Atom don’t support the awful legacy business model which sees rich customers benefit from free banking and services they do not need that poorer customers pay for through rates, limited service and restricted services that hold them back financially. Amazing company and the best place I can think of to put our family savings. We get a top of the table rate that isn’t there to “trick you in” then disappear like the big banks. Most importantly, I know that our money goes onto the Atom balance sheet which they then offer FAIRLY to all customers without excessively penalising people that really need a good rate. This is because Atom don’t offer current accounts (yet) which perpetuate financial inequality in the UK. I get a great return and I’m doing a good thing through good people and a good company.
Thank you Atom.

Developer Response ,

Hi, thanks for taking the time to leave a brilliant five star review, I am happy to hear you are pleased with our bank and services. JM

Akuneva ,

Great service

I opened a couple of accounts with the app (6 and 12 month) and both were super fast and easy to set up. You then receive your certificates and other documents in the vault which you can send yourself as a PDF. Received the money instantly after transferring from my bank and got a text message which was really reassuring as well. Before I downloaded the app I read the comments complaining about the face ID not working etc and was hesitant at first but when you download and register you will see that there are always 3 ways of logging in so even if the face ID is not recognising you (I never have problems with it), you can still sign in using a passnumber. So not sure what the moaning is all about. The design of the app is fun and I quite like it, what’s most important to me is that their interest rates are really great in comparison with mainstream banks.

Developer Response ,

Thanks for the kinds words and for sharing your experience with us Akuneva. It's great to hear you've found the app secure and easy to use, it’s exactly what we want all customers to experience. Thanks again for the feedback and hope you continue to enjoy banking with us.

App Privacy

The developer, Atom Bank plc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Sensitive Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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