While we are independent, we may receive compensation from For our top picks, we've evaluated a number of digital bank accounts against a range of metrics to select accounts for specific needs. it provides detailed company … Data Protection ICO registration number: Licenced by the Information Commissioner's Office, (registration number ZA188630). Because it offers primarily mobile and online banking, its mortgages are branded as 'Digital Mortgages'. Traditional banks are still necessary for full money management. The Help & Support section allows you to access the live chat feature for any issues you may have. Money Guru Limited is registered in England and Wales (company number 09842787), Atom Bank provides digital and commercial banking services. Atom Bank is a retail bank in the United Kingdom. Treasury income: Extra deposits are held by the Bank of England, Atom earns a small amount in interest over time. When you make major financial decisions, consider getting independent financial advice. and the UK lending market. Digital challenger Atom Bank has joined forces with Dutch fintech SurePay to help protect its customers against fraud and prevent misdirected payments.. Atom expanded its total lending by 76 per cent in the past year to £2.4bn, with deposits rising from £1.4bn to £1.8bn. On Trustpilot, Atom has 4.6 out of 5 stars and a rating of “Excellent”, based on over 3,700 customer reviews (updated October 2020). Atom Bank reviews can help you to get the inside track on this new mobile-first bank based in Durham and looking to disrupt banking as we know it. Finder.com Comparison UK Limited (company number: 10482489) is Read our, Table: sorted by interest rate, promoted deals first, With an emerging bank like Atom you might worry what will happen to your money if the bank goes bust. When you enter your bank credentials, you are actually doing so on a form provided by a third-party bank data aggregator called Plaid. It may be nearly seven years since the financial crisis that erupted in 2007/08, but savers are understandably still concerned about the health of our financial institutions. You are about to post a question on finder.com: How does Atom bank notify you at the end of the savings period and how easy is it to recover your invested funds? application with Credit Bureaus before sharing your application with lenders and brokers on our Unacceptable and they should be challenged by the Financial … The account I opened was an e-account and I deposited GBP 14,000 into … We may receive compensation from our partners for placement of their products or services. It’s a system used by most personal finance apps, like Venmo, Robinhood and Acorns. Check if atombank.co.uk is a scam website or a legit website. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. It is the country'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. Atom Bank has a good range of fixed rate savings accounts, the set up is fairly quick and the rates are competitive (although not always the top of the market). We want to try and find you the right lender - to do this we may verify the personal data in your Money Guru Limited is an Appointed Representative of Quint Group Limited, It may be nearly seven years since the financial crisis that erupted in 2007/08, but savers are understandably still concerned about the health of our financial institutions. Or are you looking for Atom Bank … Completely through an app on your tablet or smartphone. They also make a return with interest. under reference number: 669450. Starling Bank, which is also focusing on mobile banking, raised £48m last month, while Tandem Bank, which already has a banking licence, is … However, unlike many of its competitors, Atom offers savings accounts and mortgages rather than current accounts. Take a look at our list of current accounts using the link below. New to Chip? This is your personal data and you can tell us decisions. Leave a review and let others know about your experience with the ultra-modern banking app. Atom makes money through three main revenue streams: Atom is a privately owned company with a broad shareholder base, including BBVA, Woodford Investment Management and Toscafund Asset Management. "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. ATOM Bank is acting illegallegaly hold on to my funds. Charlie Barton is a publisher at Finder. Here we look at how to go about finding the right account, from comparing different options to saving on fees. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. The Atom app asks for a selfie and voice clip when logging in. We endeavour to ensure that the information on this site is current and Is using newer banks, such as Vanquis or Atom, as safe? Your feedback regarding the maturity process is fantastic as we use this sort of feedback to make … 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. Thomas St, London, SE1 9RG. Co-op Bank, Smile and Britannia (all part of the same group) share a single banking licence with the regulator. finder.com is an independent comparison platform and information service Atom Bank. Also, it’s just fixed-rate savings accounts, no easy access accounts or regular savers available. Optional, only if you want us to follow up with you. It also offers business loans. We may also receive compensation if you click on certain links posted on our site. reference number: 786446). Up to £85,000 is protected for each Bank, Building Society or Credit Union. unsure you should get independent advice before you apply for any It is the country'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. Reply from Atom Bank We really appreciate the positive feedback and it's great to hear your liking our security features too. 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