Introducing the NEW Instant Saver
R
E
WARD
Get a higher Reward rate when you don't withdraw.
*AER stands for Annual Equivalent Rate. This shows you what the rate would be if interest were paid and compounded each year. The rate is variable so may go up or down.
If you make a withdrawal, you will receive the lower Withdrawal rate for that monthly interest period.
Meet our simple and speedy products
Are you saving, buying a home or growing your business? We’ve got what you’re looking for. Our products are a breeze to open and incredibly easy to use. Plus, we don’t fork out on expensive branches, so we can deliver better rates for you.
Savings
Explore our savings rangeSave up to 4.85%
with our savings products Whether you need easy access to your money with an Instant Saver or Instant Saver Reward, or you’re in it for the long haul with a Fixed Saver, you’ll find an account to suit your needs.
Mortgages
Explore our mortgage rangeFast, uncomplicated and competitive mortgages
We offer simple mortgages that provide competitive value through our network of independent brokers. Once your application is in, you can easily track it every step of the way in our app.
Commercial mortgages
Explore our business loansFixed and variable rate commercial mortgages up to 75% LTV
We’re supporting UK SMEs to grow with our business loan products. Our range includes fixed and variable business loans, as well as loans offered through the Growth Guarantee Scheme (GGS).
Why Atom?
Everything we do makes it simpler and easier for you to manage your savings and loans, while offering plenty of value along the way.
Savings and lending products that just work
An app to make life easier
Keeping you safe and secure
Changing banking for good
Just like other banks, we’re regulated by the FCA, PRA and have FSCS protection. However, we’re here to make banking easier, faster and better value through our products and in-app experience. Plus, it's all supported by our award-winning customer support team - real humans just a phone call away.
Discover how we’re changing things for our customers.
Our story
Atom was founded in 2014 to make things better by offering customers better and fairer banking. We were awarded our banking licence in 2015, then officially launched in 2016. We’ve gone from strength to strength since, growing to a team of over 520 talented people headquartered in sunny Durham.
Read the full Atom storyWhat do our customers say?
Read the live, unfiltered reviews from our customers
Time to explore the app?
If you like what you see, then check out our app. Secure a great rate for your savings or simply and securely manage your mortgage.
Find out more about our app
Looking to finance your business?
Head over to our business loans page for more details. When you're ready, you can then speak to a broker about your application.