Information Density: Atom bank – Signal Evidence & AI Readability

[H1]
Welcome to Atom bank
SAVINGS.
MORTGAGES.
BUSINESS LOANS.

Discover our products
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TrustpilotBased on 18,230 reviews as of 10/09/2025
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[H2]
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.
[H3] Savings
[H4]
Save up to 4.85%
AER
with our savings products

Whether you need easy access to your money with a Cash ISA,
Instant Saver,
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.
Explore our savings range
[H3] Mortgages
[H4]
Fast, 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.
Explore our mortgage range
[H3] Commercial mortgages
[H4]
Fixed 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).
Explore our business loans
[H2]
Why Atom?

We are the UK’s first app-based, digital bank and we are here to make banking easier, faster and
better value with our products, services and in-app experience.
[H3] Savings and lending products that just work
Tell me more
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[H3] We pride ourselves on offering simple products and fantastic value
Our products are easy to set up and manage, and you can rest easy knowing our award-winning customer support team is always there, seven days a week.Get to know our savings, mortgages and business loans a little bit better.
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[H3] An app to make life easier
Show me how
[H3] We are the UK's first app-based bank
We've been making banking as effortless as possible ever since we launched. With just a few taps you can open a savings account, track your mortgage application or get in touch if you need help.Discover more about our app and our approach to technology.
[H3] Keeping you safe and secure
Find out more
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[H3] Your security is our top priority
Choose from our in-app biometric security or your own device security, and rest assured that we layer on additional security every step of the way. On top of that, our real time notifications and FSCS protection are all there to keep your mind at ease.Find out more about our security.
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[H3]
We’re 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.
[H2] Our story
[IMG: Many Atom bank staff, waving and smiling, at Atom headquarters]
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 large team of talented people
headquartered in sunny Newcastle. Our app-based savings accounts and mortgages have helped
thousands of customers achieve their financial goals, which has led to us being named as
one of the top banks on Trustpilot.
Read the full Atom story
[H2]
What do our customers say?

Read the live, unfiltered reviews from our customers
TrustpilotBased on 18,230 reviews as of 10/09/2025
[H2] READY TO EXPLORE THE APP?
Download our app, register and grow your savings or simply manage your mortgage.
Scan to apply now
Apply now via the app
TrustpilotBased on 18,230 reviews as of 10/09/2025
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[H1] Security
At Atom, we go the extra mile to make sure your account is protected. What’s more, we never
stop exploring ways to make our app even more secure.
Find out more about why you’re in safe hands below.
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[H2]
I have a security issue. What should I do?

If you suspect that there’s a security issue with your account, please contact us as soon as
possible via the app chat or by calling
0333 399 0050 (8am–8pm, 7 days a week).
[H2]
How do we secure our app?

We think it’s important to give you choice in the way you access your app, so we have
different options available.
You can choose to use your device security to keep your account safe. This means that you
can use features such as iOS Touch ID*, iOS Face ID* and Android Fingerprint to log in.
As an alternative, you can use our own in-app biometric security (Face and Voice) and
Passcode to log in. We also use these details to verify some actions when you’re using the
app.
These features ensure we can keep your account secure, as well as making it really easy and
convenient for you to access.
* Touch ID and Face ID are registered trademarks of Apple Inc.
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[IMG: A hand holding a phone that displays the create id page on the Atom Bank app]
[H2]
Do I have to use my face and voice to register?

Yes, to become an Atom customer, you have to register Face and Voice in-app biometrics, as
well as a Passcode.
When you register your in-app biometrics and every time you use them to log in or verify
something, they are encrypted and remain accessible to us for a limited period of time. They
are then stored as an algorithm so they cannot be accessed as identifiable pieces of
personal data.
This also applies to your device security, if you choose to enable it.
[H2]
How do you make sure my data is secure?

Keeping your data secure is our top priority, so we do a number of things to keep your
information safe. One of these is that we never store your data on the app. Any data that we
keep on our servers is encrypted and stored securely. All these actions, and the others we
take, help to keep your data safe.
If you’d like more info on how we use your data and keep it safe, you can check out our
Privacy Policy.
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[IMG: A hand holding a phone displaying an Atom Bank monthly statement]
[H2]
When and how will Atom bank contact me?

You’ll hear from us when we need to keep you up to date with your account or share important
information.
We’ll mostly keep you in the loop through app notifications and email. You’ll get these when
we need to tell you about a key event, like confirming your new account is open. We will
also notify you about day-to-day activity, like when a monthly or annual statement is
available.
Occasionally, we may need to contact you by phone, but we’ll only ever do so when we need to
clarify something important about your account.
[H2]
What will Atom ask me about?

We will only ever contact you about your accounts with Atom.
We will never ask you to:
Share personal information that does not directly relate to your Atom account or
transactions
Share your mother’s maiden name Share full account numbers, card numbers or security codes Install additional applications or software to your device Take control of a your device
[IMG: Atom Customer support agent helping a customer over the phone]
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[H2]
Do you use any other types of security?

Yes, we use a service called Confirmation of Payee (CoP) to verify payments to and from your
savings accounts.
It helps to protect against unauthorised push payment scams and reduces the number of
payments made by mistake. You can find out more about it at
Pay.uk.
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[H2]
Are there any other ways I can keep my app secure and my account safe?

While we provide as many high quality bank security measures as we can, please remember that
you’re also responsible for keeping your account safe.
Thankfully, there are some great resources out there that can get you quickly up to speed.
Start by reading our
security tips and
fraud tips, then head
over to the
Take 5
website for further advice.
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[H2]
Worried you have a security issue?

If you suspect that there’s a security issue with your account, please contact us as soon as
possible via the app chat or by calling
0333 399 0050 (8am–8pm, 7 days a week).
[H2]
Stay up to date

Get to know us a bit better. Here are the latest news, views and insights from our blog.
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Tech
[H3] Behind the code: Why safety is the secret to speed
20 Apr 2026
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Tech
[H3] Behind the code: how we make sure we’re building the right thing
05 Feb 2026
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Tech
[H3] Building thriving Communities of Practice
22 Dec 2025

[H1]
Download the Atom bank app

You’ll find so much to love about our savings and mortgage products. And it all starts
when you download the Atom app, which is at the heart of everything we do.
SCAN TO APPLY NOW
Already on your mobile or tablet?
[H2]
App based, customer first

We’re not your everyday bank. We don’t have branches, send you paper statements or ask you
to log on to a website. You just jump into our banking app and manage your money.
We were the UK’s first app-based bank when we launched in 2016. Since then, our
award-winning customer service and competitive and transparent mortgage and savings rates
have kept thousands of customers smiling.
TrustpilotBased on 18,230 reviews as of 10/09/2025
[IMG: Two phones showing instant savings account and products page]
[H2]
How to get started

[H3] Download the app
Head to your app store on your device or scan the QR code above to download the Atom bank app.
[H3] Sign up
Register with us and use your face, voice and a passcode to set up your security.
[H3] Start saving
Choose one of our savings products, or get a code to start tracking your mortgage, and you’re ready to go!
[H2]
What is the Atom bank app?

In a nutshell, the Atom app is the only place you can access our great range of products and
services.
Whether you need a savings app to get your money working harder or a mortgage app where you
can track your Atom mortgage, you’ll find it here.
It can be installed on most recent iOS and Android devices, so you can start banking with us
quickly and easily.
[IMG: A person slouched on a sofa looking at their phone and smiling]
[H2]
Why choose an app-based bank?

There are a number of benefits to banking with the Atom app.
[H3] No high street branches
We’re an online bank, so we don’t have branches. This means we have lower emissions and operational overheads than most other banks.
[H3] No paper statements
Everything you need is in the Atom app, so there’s no need for you to keep hold of paper-wasting statements.
[H3] No need to log in to a website
You can manage your money from our mobile banking app, so there’s no need to log in to clunky websites.
[H3] You can bank anywhere
No matter where you go, you can log into our app and check in on your account on your device.
[H3] Access accounts and statements anytime
Fancy a spot of late night banking? No worries. Just log onto the Atom bank app and do your thing.
[H3] Our app security keeps your money safe
Whether you use your device security, Atom biometrics or a passcode to log in, our banking app will keep your money safe.
[H3] Access to award winning customer service
Speak to our award-winning customer service team from 8am–8pm, Monday–Friday, through app chat, phone or email.
[H3] FSCS protection
You're protected by the Financial Services Compensation Scheme (FSCS) protection up to £120,000.
[H3] Our app is well supported
The Atom app is easy to use and intuitive, and we’re always looking for new ways to improve it, as well as providing key security updates.
[H2] Live, unfiltered feedback from our customers
See what our customers have to say about our banking app. TrustpilotBased on 18,230 reviews as of 10/09/2025
[H2] TIME TO EXPLORE THE APP
Download our app, register and apply in just a few minutes.
Scan to apply now
Apply now via the app
TrustpilotBased on 18,230 reviews as of 10/09/2025
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[H1]
Compare savings accounts and rates

Opening an Atom savings account has never been easier! With our app you can manage your
savings when you want, where you want.
We have a range of savings accounts for you to choose from. Compare our
Easy Access Cash ISA - grow
your savings and earn tax-free interest
Instant Saver - get 24/7 instant
access to your money when you need it
Instant Saver Reward - enjoy
a higher Reward rate when you don’t withdraw
Fixed Savers - lock your money away
at a fixed rate for a term that suits you
[IMG: A person in glasses and a striped sweater smiling at their phone.]
Quick and easy account setup
Easy access and fixed savings options available
Manage everything in our app
[H2]
Why open a savings account with Atom bank?

[H3] Easy account opening
96.7% of customers think it’s either very easy or extremely easy to open an Atom savings account.* Open a savings account in minutes, all in our savings app, with no paperwork.
[H3] Hands up who’s forgotten their passcode in the past?
Yep, that’ll be most of us. That’s why, once you’re registered, we provide you with the option of using a passcode or biometrics to access your savings account - both super secure and simple to use.
[H3] Your savings are safe
Your savings with Atom are protected by the FSCS (Financial Services Compensation Scheme) up to a total of £120,000.**
*Source: Atom bank Post Purchase Surveys across Instant Saver, Instant Saver Reward and Fixed
Saver account openings. Surveys conducted between July 2024 to June 2025 from a total of 5,360
customers.
**Please note: this is the total protection value across all Atom savings accounts and not applied
per savings account.
[H2]
What type of account would you like?

Saving for your goals is easier with our range of personal savings accounts. We offer simple,
transparent accounts designed to help your money grow faster.
Explore our different easy access and fixed rate savings accounts below.
Instant AccessFixed RateCash ISA
[H3] Instant Saver
With 24/7 access, your money will earn interest and still be on hand, whenever you need it. You’re always just a few taps away from withdrawing your funds.Open a savings account with £0.Unlimited withdrawals.24/7 access to funds from our app.A great savings choice if:You want to earn interest on your savings, but still need instant access to your money whenever you need it.Find out more
[H3] Instant Saver Reward
Get a higher Reward rate when you don’t withdraw your funds, plus all the features of an Instant Saver. And if you do withdraw, your rate reverts back to the Reward rate the next month.You’re rewarded when you keep saving but can still dip in at any time when you need to withdraw and earn at the Withdrawal rate.Unlimited access to your funds from our app 24/7.Open a savings account with £0.A great savings choice if:You want to be rewarded for sticking to a savings habit, but still need access to your money.Find out more
[H3] Instant Saver
With 24/7 access, your money will earn interest and still be on hand, whenever you need it. You’re always just a few taps away from withdrawing your funds.Open a savings account with £0.Unlimited withdrawals.24/7 access to funds from our app.A great savings choice if:You want to earn interest on your savings, but still need instant access to your money whenever you need it.Find out more
[H3] Instant Saver Reward
Get a higher Reward rate when you don’t withdraw your funds, plus all the features of an Instant Saver. And if you do withdraw, your rate reverts back to the Reward rate the next month.You’re rewarded when you keep saving but can still dip in at any time when you need to withdraw and earn at the Withdrawal rate.Unlimited access to your funds from our app 24/7.Open a savings account with £0.A great savings choice if:You want to be rewarded for sticking to a savings habit, but still need access to your money.Find out more
[H2]
Compare savings account interest rates

Browse and compare our range of easy access and fixed rate savers to find the best savings
account for your goals.
Monthly interestAnnual interest
[H3] Easy Access Cash ISA
Cash ISAMonthly interestUnlimited access to funds †Min deposit£0.00AER †† variable4.25%† Our Cash ISA is not flexible. This means any money you withdraw cannot be replaced without using up more of your annual ISA allowance. We also do not accept transfers in from other ISAs.Get your Cash ISA
[H3] Instant Saver
Instant SaverMonthly interestUnlimited access to fundsMin deposit£0.00AER †† variable2.50%Get your Instant Saver
[H3] Instant Saver Reward
Instant Saver RewardMonthly interestUnlimited access to funds †††Min deposit£0.00Reward rate3.49%AER †† variableWithdrawal rate2.00%AER †† variable††† There is no withdrawal limit but If you do need access to your funds you’ll move to the Withdrawal rate of 2.00%, but just for that monthly interest period. You will go back to the Reward rate at the next monthly interest period.Get your Instant Saver Reward
[H3] Fixed Saver
6 MonthFixed SaverMonthly interestAccess to funds only at end of termMin deposit£50.00AER †† Fixed4.11%9 MonthFixed SaverMonthly interestAccess to funds only at end of termMin deposit£50.00AER †† Fixed4.35%1 YearFixed SaverMonthly interestAccess to funds only at end of termMin deposit£50.00AER †† Fixed4.55%2 YearFixed SaverMonthly interestAccess to funds only at end of termMin deposit£50.00AER †† Fixed4.65%3 YearFixed SaverMonthly interestAccess to funds only at end of termMin deposit£50.00AER †† Fixed4.75%5 YearFixed SaverMonthly interestAccess to funds only at end of termMin deposit£50.00AER †† Fixed4.85%Get your Fixed Saver†† ‘AER’ means ‘annual equivalent rate’ and is designed to make it easy for you to compare savings products. It tells you how much interest you’d earn if you put some money in an account and left it there for a full year. It takes account of things like how often the interest is paid and assumes any interest paid during that year is added to the balance and earns interest.
[H3] Easy Access Cash ISA
Cash ISAMonthly interestUnlimited access to funds †Min deposit£0.00AER †† variable4.25%† Our Cash ISA is not flexible. This means any money you withdraw cannot be replaced without using up more of your annual ISA allowance. We also do not accept transfers in from other ISAs.Get your Cash ISA
[H3] Instant Saver
Instant SaverMonthly interestUnlimited access to fundsMin deposit£0.00AER †† variable2.50%Get your Instant Saver
[H3] Instant Saver Reward
Instant Saver RewardMonthly interestUnlimited access to funds †††Min deposit£0.00Reward rate3.49%AER †† variableWithdrawal rate2.00%AER †† variable††† There is no withdrawal limit but If you do need access to your funds you’ll move to the Withdrawal rate of 2.00%, but just for that monthly interest period. You will go back to the Reward rate at the next monthly interest period.Get your Instant Saver Reward
[H3] Fixed Saver
6 MonthFixed SaverMonthly interestAccess to funds only at end of termMin deposit£50.00AER †† Fixed4.11%9 MonthFixed SaverMonthly interestAccess to funds only at end of termMin deposit£50.00AER †† Fixed4.35%1 YearFixed SaverMonthly interestAccess to funds only at end of termMin deposit£50.00AER †† Fixed4.55%2 YearFixed SaverMonthly interestAccess to funds only at end of termMin deposit£50.00AER †† Fixed4.65%3 YearFixed SaverMonthly interestAccess to funds only at end of termMin deposit£50.00AER †† Fixed4.75%5 YearFixed SaverMonthly interestAccess to funds only at end of termMin deposit£50.00AER †† Fixed4.85%Get your Fixed Saver†† ‘AER’ means ‘annual equivalent rate’ and is designed to make it easy for you to compare savings products. It tells you how much interest you’d earn if you put some money in an account and left it there for a full year. It takes account of things like how often the interest is paid and assumes any interest paid during that year is added to the balance and earns interest.
[H2]
How easy is it to open a savings account with us?

Opening a savings account is really easy, you can do it in minutes. There’s no faffing
around with paperwork as it can all be done through our app! In most cases, you just need:
A compatible device to download our app on -
find out if yours is here.
Your bank details registered in your name, to your address.
[IMG: A woman standing in her living room, looking down at her phone and smiling]
[H2]
Why save with Atom?

[H3] Award-winning customer service
If you need help or have a question, speak to real people via the live chat feature in our
app, or use our phone number or email address to
contact us.
[H3] Your money is protected
The Financial Services Compensation Scheme (FSCS) protects up to £120,000 of the money you
hold with us.
[H3] Manage your savings in our app
We’re all about efficiency and flexibility. That’s why our banking app is the best way to
manage your savings. Anytime, anywhere. 24/7.
[H2] READY TO SAVE WITH US?
Get the Atom bank app, register and open an account in minutes
Scan to apply now
Apply now via the app
TrustpilotBased on 18,230 reviews as of 10/09/2025
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[H2]
Got a question?

Check out our most popular Savings Frequently Asked Questions below.
[H3] Do all Atom bank savings accounts earn interest?
Yes, our Easy Access Cash ISA, Instant Saver, Instant Saver Reward and Fixed Saver savings accounts allow you to earn interest on your funds. Rates will differ between each product and at different times, so it’s best to compare beforehand to find the right savings account for you.
Please note: If you don’t provide maturity instructions for a Fixed Saver, and you don’t have an Instant Saver or Instant Saver Reward with us, we’ll move your funds to a Holding Account, where you’ll typically earn a lower rate of interest than our other accounts.
[H3] Does applying for a savings account affect your credit score?
Generally, opening a savings account will not impact your credit score.
Most banks and building societies will carry out a soft credit check when you open a savings account. A soft check allows them to verify your identity and assess risk, it does not affect your credit score. On some occasions, banks and building societies may carry out a hard check, which will appear on your credit history.
Here at Atom bank, we only carry out a soft check when you open a savings account with us, so there will be no impact to your credit record.
[H3] How much money should you have in a savings account?
How much you save can depend on a few factors, such as your disposable income, personal circumstances, debt level and what it is you’re saving up for.
For example, if you’re saving up an emergency fund, it’s generally recommended that you save up three to six months’ worth of living expenses. This should leave you with enough money to cover any unexpected costs, like a loss of job, car repair or vet bill.
The most important thing to remember is that you should be comfortable with the amount that you’re putting away each time, and that it’s not stretching you financially.
If you would like more information on how to save more money, how to boost your savings or how to save for your first home, please check out our savings knowledge hub.
[H3] How do I choose the best savings account for me?
Take a moment to think about what you want to get out of your savings journey.
Are you just starting out and building your funds from scratch? Looking to get into a groove with your savings habit and stick to it? Or, have you already reached a good level of funds and want to earn some interest?
At Atom bank, we’ve got savings account options to suit different ways of saving.
For instance, if you just want to put away a little bit at irregular intervals and have full access to your money, our Instant Saver may be ideal.
Or, if you want to make progress with your savings and get rewarded with a higher rate for doing so, our Instant Saver Reward might be just the ticket.
On the other hand, if you already have a lump sum you’ve saved up and you want to put it to work, locking in a good interest rate in one of our Fixed Savers might be just right.
Or, if you’re looking to grow your money without paying tax on the interest you earn, our new Easy Access Cash ISA could be ideal.
If you want to find out more about Atom bank, head to our
FAQs page.
To speak to a member of our team, jump into the app - they're here everyday, 8am to 8pm, ready
to help.