Atom Bank
Founded Year
2014Stage
Series H | AliveTotal Raised
$902.4MValuation
$0000Last Raised
$121.28M | 1 yr agoRevenue
$0000Mosaic Score The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.
-34 points in the past 30 days
About Atom Bank
Atom Bank is a financial institution that provides an online banking platform focusing on personal and business banking services. The company offers savings accounts, residential and commercial mortgages, and business loans. It primarily serves individuals looking for savings options and businesses seeking financing solutions. Atom Bank was founded in 2014 and is based in Durham, United Kingdom.
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Research containing Atom Bank
Get data-driven expert analysis from the CB Insights Intelligence Unit.
CB Insights Intelligence Analysts have mentioned Atom Bank in 2 CB Insights research briefs, most recently on May 2, 2023.
Expert Collections containing Atom Bank
Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.
Atom Bank is included in 6 Expert Collections, including Mortgage Tech.
Mortgage Tech
218 items
Companies here streamline and digitize the mortgage lending process. Collection includes direct lenders, mortgage brokers, process optimization technologies for lenders, as well as tools that support borrowers throughout the search and application phases.
Real Estate Tech
2,794 items
Startups in the space cover the residential and commercial real estate space. Categories include buying, selling and investing in real estate (iBuyers, marketplaces, investment/crowdfunding platforms), and property management, insurance, mortgage, construction, and more.
Fintech 100
498 items
250 of the most promising private companies applying a mix of software and technology to transform the financial services industry.
SMB Fintech
1,231 items
Fintech
13,661 items
Excludes US-based companies
Digital Banking
1,105 items
Challenger bank offer digitally native banking products (checking and savings account at the most basic) and either leverage partner banks or are fully-licensed banks themselves.
Atom Bank Patents
Atom Bank has filed 1 patent.
Application Date | Grant Date | Title | Related Topics | Status |
|---|---|---|---|---|
12/23/2016 | Java platform, Web frameworks, Free software application servers, Computer security, Freeware | Application |
Application Date | 12/23/2016 |
|---|---|
Grant Date | |
Title | |
Related Topics | Java platform, Web frameworks, Free software application servers, Computer security, Freeware |
Status | Application |
Latest Atom Bank News
Mar 28, 2025
Atom bank has improved its variable stressed interest rate calculation for commercial mortgages to help some customers borrow larger loan amounts. The digital bank says variable rate commercial mortgage applications will now be stressed against a rate of margin-plus-base rate-plus-1%. This moves from the previous calculations of the higher of: margin-plus-650 basis points, or, margin-plus-base rate-plus-1%. The lender adds that brokers will have greater flexibility to structure deals, with rates calculated based on the borrower’s circumstances. For instance, loans of between £1m and £4m benefit from an additional 25 basis points rate discount. Atom bank head of intermediary distribution David Castling says: “By simplifying our stressed interest rate, we are helping business borrowers to access larger loans and take the finance they need to achieve their ambitions. “Broker feedback is incredibly important to us, and has helped inform a host of the improvements we have made to our commercial proposition in recent months.”
Atom Bank Frequently Asked Questions (FAQ)
When was Atom Bank founded?
Atom Bank was founded in 2014.
Where is Atom Bank's headquarters?
Atom Bank's headquarters is located at Aykley Heads , Durham.
What is Atom Bank's latest funding round?
Atom Bank's latest funding round is Series H.
How much did Atom Bank raise?
Atom Bank raised a total of $902.4M.
Who are the investors of Atom Bank?
Investors of Atom Bank include Toscafund Asset Management, BBVA, Infinity Investment Partners, BBVA New Digital Ventures, Tech Nation Fintech and 13 more.
Who are Atom Bank's competitors?
Competitors of Atom Bank include Revolut, Varo, Current, Allica Bank, Tide and 7 more.
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Compare Atom Bank to Competitors
Starling Bank is a digital bank that focuses on providing a range of banking services within the financial sector. The company offers personal and business banking solutions, including current accounts, overdrafts, loans, and money transfer services, all accessible through an intuitive mobile app. Starling Bank primarily serves individuals and businesses looking for modern, mobile-first banking experiences. It was founded in 2014 and is based in London, United Kingdom.
Bancacao is a developer of banking products. The company's Tzune is a digital financial services platform that offers fair, contactless, and personal solutions.
N26 is a digital bank that offers mobile banking services in the financial sector. The company provides a platform for personal finance management, enabling users to manage their money and conduct financial transactions. N26 primarily serves individual consumers. It was founded in 2013 and is based in Berlin, Germany.
Monzo engages as a digital bank that operates in the financial services sector, offering various banking products and services through its mobile app. The company provides personal and business accounts, savings and investment options, and credit and loan products. Monzo primarily serves individual consumers and businesses. Monzo was formerly known as Mondo. It was founded in 2015 and is based in London, United Kingdom.
Shawbrook Bank is a bank that focuses on savings, lending, and financial services. The company provides savings accounts and personal loans for individuals, as well as finance solutions for SMEs and real estate professionals. Shawbrook Bank was formerly known as Whiteaway Laidlaw Bank. It was founded in 2011 and is based in Brentwood, England.
Tandem Bank provides digital banking services in the financial sector. The company offers financial products including savings accounts, green home improvement loans, energy-efficient mortgages, and motor finance for eco-friendly vehicles. Tandem Bank serves individuals making environmentally conscious financial decisions. It was founded in 2013 and is based in Blackpool, England.
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