Updated:
Atom Bank
Atom bank is the UK's first app-based, digital bank. It offers savings accounts, mortgages and business loans, delivered through an app without expensive...
Atom Bank
Atom bank is the UK's first app-based, digital bank. It offers savings accounts, mortgages and business loans, delivered through an app without expensive branches. It is regulated by the FCA and PRA and has FSCS protection, and aims to make banking easier, faster and better value.
General information
Firm type
Asset Manager
Year founded
2014
Location
Region
Europe
Country
United Kingdom
City
Newcastle upon Tyne
Corporate office
Newcastle upon Tyne, United Kingdom
Sector focus
Frequently asked questions
Who runs investment decisions at Atom Bank?
Investment decisions are managed by the firm's executive leadership, not a single named CIO. Founder Mark Mullen was the first CEO; current leadership is not disclosed on the firm's website. Credit decisions for mortgages and business loans are made through the firm's digital underwriting engine, supplemented by human oversight for exceptions.
Does Atom Bank participate in fund commitments or only direct deals?
Atom Bank does not participate in fund commitments. It operates entirely as a direct lender, originating residential mortgages via independent brokers and commercial mortgages directly to UK SMEs. The firm's balance sheet is funded by retail deposits, not third-party institutional commitments.
Which sectors does Atom Bank explicitly avoid?
Atom Bank explicitly focuses on residential and commercial mortgage lending within the UK only. It does not offer unsecured personal loans, credit cards, current accounts, equity investments, or commercial real estate projects that fall outside its disclosed loan-to-value parameters. Its lending is secured against UK property assets.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
Need institutional-grade insight on asset managers?
Altss delivers:
Prefer a guided tour?
We’ll walk you through: