Atom bank plc
TypePublic limited company
IndustryPersonal Finance, Banking
Founded2013; 8 years ago (2013) in Durham, United Kingdom
FounderAnthony Thomson, Mark Mullen Edit this at Wikidata

Atom Bank is a retail bank in the United Kingdom. It is the United Kingdom's first bank built for smartphone or tablet, without any branches,[1] and the first digital-only challenger bank to be granted a full UK regulatory licence.[2] The company is based in Durham, North East England.[3]

Atom is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA.


Atom was founded in July 2013[4] by Anthony Thomson, co-founder of Metro Bank[5] and Mark Mullen, previous CEO at First Direct.[6]

In June 2015, Atom was granted a banking licence[7] and before launch in November 2015, Spanish bank BBVA agreed to invest a substantial stake in Atom.[8] The company launched to the public in April 2016, after its regulatory authorisation restrictions were lifted, initially to those who had expressed an interest previously and had been given a registration code.[9] It launched more widely in October 2016 and today it offers mortgages and savings accounts, along with secured loans for small businesses.[10]

In 2017, Atom was named by LinkedIn as one of UK's top 25 startups and ranked 14th alongside companies such as Deliveroo, Uber and Airbnb,[11] and in 2019, Atom ranked second in business analyst Beauhurst's list of 50 top fintech UK startups and scale-ups. It was the only company from outside London in the top 20 of the list.[12]

Mobile app

Atom has apps for iOS and Android phones,[10] offering biometric security, with customers able to sign in via face ID or voice ID.[5]


  1. ^ Murray, Amelia (23 March 2017). "5,000 join Atom Bank in just one day" – via
  2. ^ "All hail the current account revolution". The Independent. 26 April 2017.
  3. ^ Carey, Scott. "We've ranked the UK's digital challenger banks". Techworld.
  4. ^ "Atom Bank Plc". Companies House. Retrieved 11 March 2021.
  5. ^ a b Lunn, Emma (24 June 2017). "Is your money safe with an 'app-only' bank?" – via
  6. ^ "First Direct chief Mark Mullen splits to lead new digital bank Atom". Evening Standard. 9 April 2014.
  7. ^ Williams-Grut, Oscar. "Britain just gave the green light to a bank with no branches and no website — just an app". Business Insider.
  8. ^ Arnold, Martin; Dunkley, Emma (23 November 2015). "Spanish lender BBVA enters UK with Atom deal". Financial Times. Retrieved 11 March 2021.
  9. ^ "Digital doors officially open at Atom Bank". CityAM. 6 October 2016.
  10. ^ a b
  11. ^ Whitfield, Graeme (1 November 2017). "Durham's Atom Bank named by LinkedIn as one of UK's top 25 start-ups". nechronicle.
  12. ^ "50 Top Fintech Startups and Scaleups in the UK". Beauhurst. 12 December 2019.