Atom Bank is a mobile banking application that offers a range of personal and business banking products. Atom Bank has launched a new one-year fixed rate bond with an interest rate of 2.05% – the first time a fixed rate savings account has paid more than 2% since April 2016. Offers products for saving, buying and growing, One of the only challengers to offer mortgages, Good app-based alternative to high street lenders, Available on App Store and Google Play store, Doesn’t offer personal loans or credit cards. Incredible — Atom Finance breaks the barrier of entry for traders that can’t afford a Bloomberg terminal. It is the United Kingdom's first bank built for smartphone or tablet, without any branches, and the first digital-only challenger bank to be granted a full UK regulatory licence. Sign up. Fixed rate savings accounts from 6 months to 5 years, all managed in-app. Save. Cashplus for Business Bank Account review, CardOneMoney Business Bank Account review, 12 Financial Resolutions for the New Year, Ways to Save Money & Stay Safe on a Family Day Out, Staffordshire Living: Saving for your pension. Fees included in getting a mortgage with Atom include: You can access support pages on Atom’s website easily enough, but the most direct method for gaining support is through the app. We also have relationships with a number of I have been banking with Atom for over 5 years now and have opened numerous accounts. Atom Bank Products and Services. highlight some key points below. Launching in 2016, Atom have gone from strength to strength in the challenger space, evolving as a popular alternative to high-street banks and priding themselves on a no-nonsense approach to lending. Money Guru Limited is registered in England and Wales (company number 09842787), We’re not most banks. Overall, even though Atom Bank doesn’t provide current accounts, what they do provide is a valuable addition to the current pool of challenger banks on the market. At least one of our savings products was at the top of best buy table for a total of 116 days last year. What is the Current Account Switch Service? Quint Group Limited is Learn more. who is authorised and regulated by the Financial Conduct Authority. Open in just 10 minutes. Instead, it has focused on savings, mortgages and business loans. Atom bank postpones current account launch The digital-only lender, which has amassed close to £500m in loans and almost the same amount of deposits since its launch in April last year, had hoped to offer current accounts this year as part of an expansion drive funded by an £83m capital raising in March – according to the FT . UK digital lender concerned about extent of forthcoming regulation. Atom Bank say the app is currently only compatible with iPhones and iPads, though an Android version will "follow shortly". ... "Atom bank", "Atom" and "Digital Mortgages by Atom bank" are trading names of Atom bank plc, a company registered in England and Wales with company number 08632552. application with Credit Bureaus before sharing your application with lenders and brokers on our How to get a credit card for self-employed workers, How to avoid fees using credit cards abroad, Reclaiming and understanding credit card charges. In fact, we are the UK’s first app-based bank, here to make things better for you. Personal Loan Comparison UK: How to apply. Packed with analytics tools, news & event feeds, Atom is an absolute must have. In addition, they also take samples of your voice to verify who you are (it is referred to as your Biometric ID) when you are signing up to one of their products. In H1 2017, it announced it was suspending the launch of current accounts (it is understood there are no plans by Atom to move into the current accounts market at present). After all, we’re all about you. Balance Transfer Credit Cards: how do they work? Registered Office; Glasshouse, Alderley Park, Nether Alderley, Cheshire, SK10 4ZE. We Customers can save up to £100,000. In the second half of the current financial year, Atom Bank has added £362m of mortgages to its portfolio and has loaned a total of £2.8bn to its mortgage customers since 2016. View details. their personal finances efficiently. Written by Robert Bester, Consumer Finance Expert We are a comparison website that's authorised and regulated by the Financial Conduct Authority as a Do you like the sound of Atom Bank? The app is super efficient and easy to use. their personal finances efficiently. That translates to fixed savings accounts, mortgages and business loans, providing products that many challengers aren’t exactly well-versed in. The accounts by Atom Bank beat the previous top one-year fixed account by Metro Bank that offers savers 2 per cent in interest, and a two-year fixed deal by Secure Trust Bank… Our award-winning customer service and competitive mortgage and savings rates keep our thousands of customers smiling. You can only transfer money in and out of your Instant Saver using your connected current account. Atom was granted its banking licence in 2015 and launched to the public in 2016. The company's banking services are offered with two market-leading Fixed Saver accounts and a loan offering for SMEs where it allows borrowers to manage everything in an application, providing clients a simple, straightforward and hassle-free process. 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. Licenced by the Information Commissioner's Office, (registration number ZA188630). By focussing on mortgages and business loans, they are disrupting the traditional high-street banks who previously were the only place to go for these important products. The Atom Bank app is your first port of call for keeping track of any products you happen to have with them, including any savings accounts, business loans or mortgages. Everyone. Users can log in using face and voice recognition and receive support from a 24/7 customer service team. Robert has been a writer for six years, specialising in consumer finance This makes them a unique alternative in the world of challenger banks. under reference number: 669450. What is the Business Banking Switch Scheme? Friday, 10 March, 2017. AER means annual equivalent rate. Flag as inappropriate. Since Atom Bank don’t provide any current account services, there isn’t really the option of spending abroad with any of their products. This can be very useful to check on your long-term progress, ensuring you can keep on top of repayments. Take your savings and mortgages with you wherever you are, 24/7. Then pay money to your Instant Saver using your Atom Instant Saver sort code and account number (you can find this by tapping on your Instant Saver in your app). "Atom bank", "Atom" and "Digital Mortgages by Atom bank" are trading names of Atom bank plc, a company registered in England and Wales with company number 08632552. Instead, if you’ve got a business loan for example and you’re looking to spend a portion of the money abroad, check the details of your existing current account to find out whether you will incur a charge. We want to try and find you the right lender - to do this we may verify the personal data in your Atom Bank is a retail bank in the United Kingdom. What is the Stamp Duty Holiday Extension? The London-based firm built its IT systems from the ground up and has opened more than two million accounts, including 350,000 small business accounts. Changes in privacy laws give you greater rights and control as to how companies like us use your Can a secured loan help build credit score? ‘Challenger’ banks such as Atom have sprung to life in recent years, thanks in part to the Financial Conduct Authority lowering the amount of capital required to form a new bank… If you cannot remember it, you can reset your password using the link below. authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register Atom has no option for a current account, meaning you may want to look elsewhere if you’re after for a mobile-based bank account to travel with. Atom, the UK’s first app-based bank, has delayed plans to launch a current account until at least 2018. companies where we share personal data to enhance and validate the data they hold and to use to Atom Bank deal with three areas in particular; saving, buying and growing. panel. The bank broke signup records in March 2017 when it gained more than 5,000 new customers in a single day. help customers manage So whether you're looking for reviews of their launch product, the fixed term savings account, their new digital mortgages, or their long anticipated current account, take a look below to see what our community is saying about their experiences of using the app. Given that Atom Bank do such varied products compared to other challengers, they have a very different structure for fees that revolves mostly around their mortgages. Content rating. Permission. This gives customers more options to choose from and an app-based solution for getting on the property ladder or starting their own business. ... Current Version. Username * Password * Forgot password. Don't have an account? how you want your data to be used as explained here. Money Guru Limited is an Appointed Representative of Quint Group Limited, Sign In. Atom bank plc is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. Help & Support is available directly through the app, allowing you to get common questions answered and to access the live chat or contact centre for further information. Our Financial Services Register number is 661960. Smart Money People is the number 1 place online for your Atom Bank reviews. We’ve done away with fiddly keypads and instead use your face and voice as your password. Money Guru Limited is an Introducer Appointed Representative (IAR) of Fluent Mortgages Limited Instead, if you’ve got a business loan for example and you’re looking to spend a portion of the money abroad, check the details of your existing current account to find out whether you will incur a charge. Why not take a look at our range of savings products which are all protected under the FSCS. combine, analyse and profile your personal data. prevent fraud and aid debt recovery in the future. How to release equity with a lifetime mortgage, Everything you need to know about remortgaging. Starling Bank received a banking licence in July 2016, and launched the UK's first app-only current account in March 2017. Registered office: The Rivergreen Centre, Aykley Heads, Durham DH1 5TS. Sincerity of current accounts Value illusions within current accounts and their authenticity “It’s a spreadsheet, sitting on a mainframe somewhere - there is no pile of gold in a vault that is associated with you.” So said Alex Letts, Ffrees’s chief executive, when talking about current accounts. authorised and regulated by the Financial Conduct Authority. Take a look at our list of current accounts using the link below. New … Read on to find out more or use the links below to navigate to different chapters in the article. The team. You probably won’t even notice the difference, but believe me, our team has been working hard behind the scenes to boost performance. To add money in, go to the branch or online banking site for your connected account. We’ve got what you’re looking for. Robert has been a writer for six years, specialising in consumer finance Our website is completely free for you to use but we get paid by lenders, brokers, and service providers for introductions and funded applications. We offer competitive rates, advice on what’s best for you through our independent brokers and a process you can follow step-by-step, all in app. We provide full details in our Privacy Policy. Don't have an account? No. The Portal is the area of the app where you’re able to view your profile and look through any important documents in a space called the Vault. Founder says digital bank will open in second-half of 2015 Your Atom account is secured by a standard username and password, alongside additional biometric checks such as Face ID if you have an Apple device. and the UK lending market. Can Atom bank change the interest rate? The Company offers a full range of products, including current accounts and mortgages for both retail and business customers. Atom Bank has 360 employees across 2 locations, $584.52 m in total funding, and £46.51 M in annual revenue in FY 2020. Overall, even though Atom Bank doesn’t provide current accounts, what they do provide is a valuable addition to the current pool of challenger banks on the market. This is your personal data and you can tell us Find out about our rates, terms, deposit amounts and more. It tells you how much interest you'd earn if you put your money in an account and left it there for a full year. It’s the latest app update from Atom! 7.0 and up. Additionally, while you can access the Atom app while overseas, or even open an account, you might … By focussing on mortgages and business loans, they are disrupting the traditional high-street banks who previously were the only place to go for these important products. Offered By. All of our products are designed to be simple, straightforward and hassle-free. Firm registration number 654425. and the UK lending market. The Help & Support section allows you to access the live chat feature for any issues you may have. Atom Bank General Information Description. 3.2.9. Make sure you have a current account you’re happy with before you sign up for any further products. Alternatively it is stored on secure servers so your details can’t fall into the wrong hands. Visit first direct ★★★★★ 79%: Starling: Starling Bank is a mobile-only current account that is gaining a reputation for offering great rates on international purchases and transfers. Concentrating on consumer credit products, Robert writes informative articles that Your Hub is the place where you can check up on your accounts, providing live information on any products you have as well as relevant news related to Atom.

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