Atom bank

Overview

Atom Bank plc is the UK's first fully digital-only challenger bank, founded in July 2013 and headquartered in Newcastle upon Tyne. It operates exclusively through smartphone and tablet apps, without physical branches. The bank received its full UK banking license in June 2015 and launched publicly in April 2016. Co-founded by Anthony Thomson and Mark Mullen, the company has attracted significant investment, including a nearly 30% stake from Spanish bank BBVA.

The bank offers a range of financial products, including personal savings accounts, residential mortgages, and secured loans for small businesses. Its mobile app features biometric facial recognition for secure access and utilizes machine learning to enhance customer service. Notable milestones include completing the first mobile-only bank securitization in the UK and reporting a record operating profit in June 2024. Atom Bank serves retail savers, homeowners, and small business owners across the UK, focusing on low-cost, tech-driven banking solutions.

Basic Information

Contact Details

• Phone: +44 333 399 0050
• Website: atombank.co.uk
• LinkedIn: linkedin.com/company/atom-bank

Key Focus Areas & Initiatives

• Commercial banking
• Digital banking
• Retail banking
• Mortgages
• Mobile banking security
• Cost reduction
• Regulatory authority
• Sustainable practices
• User-friendly interface
• Secure banking
• Real-time data analytics
• Sustainability
• Lending
• Financial technology
• Digital banking growth
• Investment
• Mobile banking security features
• Financial performance
• Automated banking
• Mobile banking
• Customer trust
• Real-time alerts
• Low marginal cost banking
• Real-time payments
• B2C
• Digital customer experience
• Sustainable finance
• Technology infrastructure
• Savings
• Technology-driven
• Customer deposits
• Automated processes
• Customer support
• Digital innovation
• Digital-only bank
• Regulatory approval
• Small business loans
• Technology-driven financial services
• Low-cost banking
• Technology-enabled banking
• Automation
• Automated credit scoring
• Digital-only banking model
• Fundraising
• Customer service
• Financial security
• Real-time banking
• Financial growth
• Real-time notifications
• Fintech
• Regulatory environment
• Digital mortgage platform
• Digital security measures
• Financial products
• Savings accounts
• App-based bank
• Digital banking security
• Automated customer service
• Customer engagement
• Mortgage application
• Automated loan processing
• Mobile app
• Automated decision-making
• Online banking
• Digital customer onboarding
• Growth
• Automated risk management
• Banking technology
• Competitive rates
• SME lending platform
• Digital banking compliance
• Investor funding
• Digital banking
• Investment backing
• Data security
• Notifications
• Real-time transaction alerts
• Cost efficiency
• Sustainable banking
• SME finance
• Mortgage lending
• SME support
• Customer growth
• Customer-centric banking
• Digital banking platform
• D2C
• Loan support
• Digital platform
• App development
• Regulation
• Fintech innovation
• Mobile-first banking
• Deposits
• Regulatory compliance
• Fintech funding
• Investor relations
• Financial transparency
• Banking
• Digital banking customer support
• Business loans
• Security
• Digital banking infrastructure
• Innovation
• Mobile banking app
• Customer experience
• UK banking
• Data-driven banking
• User experience
• Market expansion
• Low cost
• Digital banking ecosystem
• Services
• Digital transformation
• Digital security
• Growth strategy
• Risk management
• Secure transactions
• Digital banking regulation
• Real-time customer notifications
• Real-time transactions
• Banking innovation
• Retail
• Technology
• Instant saver
• Fixed saver
• Remortgage
• First time buyer
• Less than perfect credit
• Mortgage support
• Commercial mortgages
• Product transfer
• App-based banking
• UK SMEs
• Automated decisioning
• Affordability calculator
• Secured loans
• Transparent pricing
• FSCS protection
• Loan application
• Lending criteria
• Financial regulators
• Personal finance
• Collateral management
• Easy access savings
• Low fees
• Fee-free options
• Investment growth
• Banking transparency
• Financial inclusion
• Consumer duty
• Cost-efficient banking
• Digital mortgages
• Loan tracking app
• Simplified processes
• Technology-driven solutions
• Sustainability initiatives
• Community support
• SaaS
• Finance
• Environmental services
• Renewables & environment
• Finance technology
• Information technology & services
• Fund-raising
• Computer & network security
• Apps
• Software development
• UX
• Computer software

Technologies Used

• AI
• Amazon AWS
• Atlassian Cloud
• Bootstrap Framework
• Docker
• Facebook Custom Audiences
• Facebook Login (Connect)
• Facebook Widget
• Gmail
• Google Apps
• Google Play
• Google Tag Manager
• Highspot
• Incapsula
• Kubernetes
• Microsoft Office 365
• Mimecast
• Mobile Friendly
• Nginx
• React
• Remote
• Slack
• Trustpilot
• UserZoom
• YouTube

Affiliated Organizations & Regional Branches