Spend, save, borrow and grow — a complete suite of banking services, all in one app and built to the highest UK standards.
No add-ons, no gatekeeping — every service below is built in and ready from day one.
Fee-free everyday banking with instant notifications and real-time balances.
Get startedMarket-leading savings at 4.85% AER, with instant access and goal-based pots.
Get startedVirtual and physical Mastercard®, fee-free in 150+ currencies, freeze in a tap.
Get startedSmart accounts for sole traders and SMEs, with invoicing and bulk payments.
Get startedStart free forever, or unlock more perks as you grow. Switch or cancel anytime.
See what a personal loan could cost you each month at a representative 6.9% APR.
Representative example for illustration only. 6.9% APR representative. Actual rate depends on your circumstances and amount borrowed.
Open a business account in minutes and keep your cashflow moving — built for sole traders, freelancers and growing SMEs across the UK.
Open your AtomBank account in 60 seconds and access everything from day one.
Open your account