Registration Terms and Conditions

General info

Our agreement

Banking with Atom is straightforward, so we give you information when it’s relevant to you. At this point, our contract with you consists of our App T&Cs and these Registration T&Cs. Please ensure you read them so you understand the terms of our agreement with you. If there’s any conflicting information, these Registration T&Cs take priority.

These T&Cs detail the agreement between you and Atom (‘we’/‘us’) when you register in the app. Each condition of these T&Cs operates separately. If any court or competent authority decides that any of them are unlawful or unenforceable, the other conditions will remain in full force and effect.

Registering in the App

So you can register in the app, we extend your existing app licence to include access to the biometric software used to capture and validate ‘Your ID’. This is subject to the terms set out in the App T&Cs (except for the ‘Changes to these T&Cs’ section).

To register in the app, you will need to provide it with access to the camera and microphone on your device.

Alternative format

Please let us know if you need these T&Cs supplied in another format, or if we can help you to use our service in any other way. Get in touch with us via the Help & Support button in the app, call us on 0333 399 0050 or email customersupport@atombank.co.uk.

Your data

Your customer record

When you register in the app, we’ll collect your:

  • first name;
  • surname;
  • email address; and
  • mobile phone number.

We will use this data to set up your customer record.

Registering ‘Your ID’

To register in the app, you’ll need to set up ‘Your ID’ with Atom. We will ask you to provide us with three types of security information:

  • a six-digit passcode;
  • a scan of your face (‘Your Face’); and
  • a recording of your voice (‘Your Voice’).

We will use this information to confirm it’s you every time you log into the app.

Once you’ve set up Your ID, you’ll be able to choose from the passcode, Your Face, Your Voice or your device’s security to log in.

There may be times when we’ll ask you to use more than one of Your ID data to complete specific activities. We call this ‘stepping up’. You must never register Your ID data against someone else’s customer record. If you do this, we may stop you from using the app and close any accounts you have opened.

If you use device security in our app, you must not allow anyone else to register their security credentials on your device. If they do, they will be able to log into the app. You will be responsible for any actions taken on your account by someone who has registered their security credentials on your device.

You’re responsible for keeping your passcode safe. This includes setting a passcode that’s not easy to guess and keeping it secret. You must tell us immediately if you think someone may have accessed or tried to use the app on your device.

Please remember: we’ll never ask you to tell us your passcode. You shouldn’t share it with anyone, even if you think they work for Atom.

Protecting your data

We will use your customer record and Your ID data to:

  • set up your customer record;
  • verify your identity;
  • complete troubleshooting, data analysis, testing, research and for statistical and survey purposes; and
  • suggest Atom products or services that may be of interest to you.

We encrypt Your ID data when we send and store it. We use the highest standards of security technologies and procedures to do this.

We encrypt Your ID data when you register and every time you use it to log in or step up. It remains accessible to us for a limited period of time. It is then transferred within the bank and stored as an algorithm. This means it is inaccessible as an identifiable piece of personal data.

We use security measures to:

  • protect Your ID data from unauthorised access;
  • maintain accuracy of your data; and
  • ensure appropriate use of your data.

The measures we use to keep your data safe and secure include:

  • data encryption and digital signatures to ensure the continuing integrity of your data;
  • firewalls, intrusion detection systems and 24/7 physical protection of storage facilities;
  • background checks for personnel that access physical facilities; and
  • strong security technologies and procedures across all service operations.

Take a look at our Privacy Policy for more information about how we protect your data.

Your data rights

Once you’ve registered your details with us, you have certain rights that apply. This can depend on the stage of your application, the information you’ve shared with us and our regulatory obligations relating to it.

Your rights include:

  • The right to access your data.
  • The right to ask us to erase your data.
  • The right to share or move your data (sometimes called ‘portability’).
  • The right to ask us to correct any mistakes.

Take a look at our Privacy Policy for more information about your data rights and how they apply to you.

Your Vault

Once you’ve registered in the app, we’ll provide you with an in-app Vault. This is a secure space that is only accessible by you and Atom . Whenever possible, we’ll put important documents in your Vault, so you can access them at any time from the app. You can print or email any documents stored in the Vault.

The legal stuff

Changes to these T&Cs

We’ll give you 30 days’ notice to consider any changes to these T&Cs, unless they’re to your advantage, when we’ll make them straight away.

In some circumstances, we may be required by regulation to give you more or less notice. In these cases, we’ll tell you how much time you have to review the changes.

You can object to the changes before they take effect, and, depending on the circumstances, you may be able to close an impacted account. Otherwise, you’ll be deemed to have accepted the changes from the date they take effect.

We’ll only make changes to these T&Cs to:

  • reflect developments in our app or proposition (including our products / services);
  • respond proportionately to changes in the law or decisions of the Financial Ombudsman Service;
  • meet regulatory requirements;
  • reflect new industry guidance or codes of practice which raise standards of consumer protection;
  • proportionately reflect other legitimate cost increases or reductions associated with providing the particular product or service you use;
  • ensure we are being fair to all our customers; and/or
  • respond to changes in general banking practice for the benefit of all consumers.

We’ll only do this if we reasonably expect to be affected by one of the above reasons.

Applicable law

These T&Cs are governed by the laws of England and Wales and if there’s any disagreement about them, or between us about your registration for the app, we each agree that this will be dealt with by the Courts of England and Wales.

Registration T&Cs_v2.0. Effective from 05/08/24.