Atom Bank is an app-based bank
Atom Bank is a mobile-only bank offering fixed savings accounts, mortgages and business loans. Currently, it does not offer any current account services, so users don’t have the option to spend abroad with any of Atom Bank’s products.
Services
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Personal IBAN
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Affiliate program
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Cashback
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SEPA
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Loyalty program
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Insurance
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Multicurrency account
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SWIFT
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Card
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Crypto
Details
2014
Yes
No
No
No
English
Neobank
661960
GBR
GBR
PRA, FCA
Main info
No
0 EUR/month
0 EUR
GBP
1
Recovery Loan Scheme: The Recovery Loan Scheme will help you apply for a secured business loan of a minimum of £250,000 up to a maximum of £2m per business (maximum £6m per group).
Secured loan:
Variable Rate Secured Loans: Variable rate secured loans have an interest rate that tracks the movement of the Bank of England base rate. As this base rate moves up and down, so will your rate.
Fixed Rate Secured Loans: Fixed rate secured loans feature an interest rate that is fixed over the term of the loan. Fixed repayments help with budgeting and knowing exactly what you will need to pay each month, allowing you to plan with confidence.
Instant Saver: An instant access savings account pays interest but lets you withdraw your funds instantly when you need them, with no penalties. You can open one of our Instant Savers without a deposit.
1.35% AER / 1.34% Gross
Fixed Saver:A fixed rate savings account allows you to save money for a set amount of time with a fixed interest rate that does not change. Once you add your funds, they will be locked in, but you will know exactly how much interest you will earn by the time the account has matured.
Card
Business account
No
No
No
No
No
User Reviews
i like the facial recognition feature for entering to my account and i should say that everything is simple in this app and all services are effective and useful. i withdraw funds from my savings account after 4 years and for that time atom bank was offering one of the good interest rate, now i want to invest another sum for next 2 years and i checked other similar platforms, the interest rate in atom bank is fantastic and best among all. THANK YOU!!
Suprisly very quick and professional support team, I really impressed and from the start when I opened account in Atom bank I find out their team help very effective and useful. App is very simple. Hope to see better updates in future.
Very Fast And Easy To Use. Im Having Fantastic Experience With Atom Bank And Can Not Believe Its Fixed Interest Rate In Savings Account. Highly Recommend It!
It works exactly like what advertising, easy to work with it, fast and secure. Recommend it!!
From the time that i download the app on my device i can not use it normally, i wanted to use fixed savings account but it showed me just only one option, i asked the customer service and by their help i am able to see other rates. i really disappointed and i believe the app can be better then this, PLEASE IMPROVE IT!
Overall very happy. Easy to set up accounts, and interest rate as good as you'll find. The app has a slightly annoying front page you need to click through to access your account, and I'd like there to be an option for fingerprint login, but otherwise an excellent place to store your cash instead of your current account.