The UK’s app-based bank

Money that moves at the speed of life

A current account, market-leading savings and instant Faster Payments — all in one beautifully simple app. No branches, no hidden fees, FSCS protected.

Open your account Savings calculator
4.9/5 from 40,000+ UK reviews · takes 60 seconds
AM
Alex MorganPersonal · Current
Available balance
£12,480.55
+£820 this month
Send
Add
Save
Tesco Express
Groceries · Today
−£42.10
Salary
Income · Today
+£2,400.00
Easy Saver
Transfer · Today
−£300.00
AtomBank
4921 8830 5567 0142
Faster Payment
Sent in 8s
FSCS Protected up to £85,000 FCA & PRA Regulated Faster Payments 24/7 1.5M+ UK customers 4.9/5 average rating Biometric login £4.5B deposits protected App-first banking FSCS Protected up to £85,000 FCA & PRA Regulated Faster Payments 24/7 1.5M+ UK customers 4.9/5 average rating Biometric login £4.5B deposits protected App-first banking
What you get

One app. Every account you need.

Spend, save and send — each built to be the best in its class, and all in one place.

Current account
£12,480.55
Available balance · +£820 this month
Rent −£950
Salary +£2,400
Dining −£128

A current account that respects your money

No monthly fees, no overdraft traps and no surprise charges. Just clean, real-time banking with instant notifications on every penny that moves.

  • Free UK & Faster Payments, 24/7
  • Real-time balance and spending alerts
  • Freeze & unfreeze your card in one tap
Get started
Easy Saver
4.85% AER
Goal: New car · £6,400 of £10,000
£64 saved this week · on track for May

Savings that actually grow

Market-leading rates, instant access and savings pots for every goal. Watch your money work as hard as you do — protected up to £85,000 by the FSCS.

  • Competitive AER, paid monthly
  • Create unlimited goal-based pots
  • Round-ups that save your spare change
Try the calculator
AtomBank
4921 8830 5567 0142
A. Morgan

Cards built for the real world

A contactless physical card plus virtual cards for safer online shopping. Set spending limits, get instant receipts, and stay in control everywhere you go.

  • Virtual & physical Mastercard®
  • Fee-free spending in 150+ currencies
  • Apple Pay & Google Pay ready
Order a card
Interactive

See your savings grow

Drag the sliders to estimate what you could earn with an AtomBank Easy Saver at 4.85% AER.

Initial deposit£1,000
Monthly top-up£200
Save for
1 yr
3 yrs
5 yrs
10 yrs
Projected balance
£0
4.85% AER · FSCS protected
You put in£0
Interest earned£0

Illustration only. Interest assumes the rate stays fixed and is compounded monthly. Your actual return may vary.

Why switch

AtomBank vs the high street

A modern bank, without the legacy baggage. Here’s how we compare.

Feature
AtomBank
High street
No monthly account fees
High-street, varies
Faster Payments, 24/7
Often cut-off times
Market-leading savings AER
4.85%
~1–2%
Open an account in 60 seconds
Branch / days
Freeze your card instantly
Call the bank
UK-based human support
Limited hours
Security first

Your money is protected at every layer

Bank-grade encryption, biometric access and FSCS protection come as standard — so you can bank with total peace of mind.

FSCS protected to £85,000 Face & fingerprint login 256-bit encryption 24/7 fraud monitoring
Loved across the UK

40,000+ five-star reviews

Switching to AtomBank was effortless. The savings rate beats every high-street bank.
Olivia B.
Manchester
Faster Payments land instantly and freezing my card takes one tap. Brilliant.
James W.
Leeds
No branches, no queues, no nonsense — just brilliant rates and real support.
Priya S.
London
Opened my account from the sofa in under five minutes. The app is gorgeous.
Aisha K.
Edinburgh
Three years in and it hasn’t missed a beat. The UK support team is genuinely great.
Mark R.
Glasgow
Switching to AtomBank was effortless. The savings rate beats every high-street bank.
Olivia B.
Manchester
Faster Payments land instantly and freezing my card takes one tap. Brilliant.
James W.
Leeds
No branches, no queues, no nonsense — just brilliant rates and real support.
Priya S.
London
Opened my account from the sofa in under five minutes. The app is gorgeous.
Aisha K.
Edinburgh
Three years in and it hasn’t missed a beat. The UK support team is genuinely great.
Mark R.
Glasgow
Good to know

Frequently asked questions

Everything you need to know before you join. Still curious? Our team is one message away.

Contact support
How quickly can I open an account?

Most customers are up and running in about 60 seconds. Download the app, verify your identity with photo ID, and you’re ready to bank.

Is my money safe with AtomBank?

Absolutely. Eligible deposits are protected up to £85,000 by the Financial Services Compensation Scheme (FSCS), and we’re regulated by the FCA and PRA.

Are there any hidden fees?

No. There are no monthly account fees and no surprise charges. Any fees that do apply are always shown clearly upfront.

Do you have branches?

We’re app-first, so there are no branches — but our UK-based support team is available by phone and in-app every day.

Can I switch from my current bank?

Yes. You can move your balance and set up payments in minutes, and keep both accounts open while you make the switch.

Ready to bank the better way?

Open your AtomBank account in 60 seconds and join 1.5 million+ customers across the UK.

Open your account Learn more
AtomBank
4921 8830 5567 0142