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? Well, everything.
Welcome to our new app. You’ll see a fresh new design, with much-improved performance, making it even easier to use. We’ve got rid of the bits our customers didn’t like and kept the bits they did.
Ratings and Reviews
Atom Bank App Good
I didn't experience any problems at all downloading the app or setting up my account. I could have easily done it on a bus. Trying to open my account, however, created a glitch. A quick phone call to the ever-present and knowledgeable staff confirmed that at the moment they can only verify your address if you've got a credit card. I'm one of those mean guys who only pay for things once; so now I'm waiting patiently for them to start accepting hard copy. It seems strange and a shame that they seem happy to let my money work for someone else.
Developer Response ,
Hi Ed. Apologies, we haven't been able to open an account for you at this time, but am pleased to hear you found it easy to register with in the app. The system we currently use is held by Call Credit and are aware of the limitations. We’re looking at alternative methods of verifying our customers in future. Thank you again for your feedback and interest for wanting to bank with us. I’ve also passed your feedback on to the relevant people.
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.
Verification method extremely poor
Tried to open an account but failed to go through the application due to the fact that they can’t electronically verify my credit history and they don’t even know what is wrong with my history as all they can say is if you can’t go through the process then that’s it, there’s nothing else they can do. All the agents said was try again, if it doesn’t work then we can’t help. Really?! I have bank accounts with major banks with no problems and no bad debts, haven’t moved house for two years, and credit score is average. Don’t know what’s their problem and they don’t know either.
Update following developer’s response: I can’t register to vote as I’m not UK, EU or Commonwealth citizens. This is not a problem with high street banks, but clearly a shortfall of app or online only challenger banks as they can only electronically verify ID, address, etc. Hope this issue can be resolved soon.
Developer Response ,
We're sad to hear you've not been able to join us at this time. Being a digital only bank, we rely on the electronic checks in the App to verify you. This means that the information you provide us with in the app, is what we use to electronically verify a customers ID. We don’t check a customer’s credit history or credit score, and due to security and data protection are unable to view these checks. You can do a few things to help us verify you, so you are more likely to be able to open an account; making sure you're on the electoral roll and ensuring your credit file is up to date will be positive factors when trying to open an account. Again, thanks for leaving this review and we do hope to have you on board soon :)
Up to six family members will be able to use this app with Family Sharing enabled.