# Atom Bank

Atom Bank is an Asset Manager based in Newcastle upon Tyne, United Kingdom.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Newcastle upon Tyne, United Kingdom
- **Region:** Europe
- **Address:** Newcastle upon Tyne, United Kingdom
- **Founded:** 2014
- **Assets under management:** Undisclosed
- **Website:** www.atombank.co.uk
- **LinkedIn:** https://www.linkedin.com/company/atom-bank

## Regulatory record

- **Reports private funds:** No

## About

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.

## Sectors

- Private Credit
- Real Estate

## 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.

## Related profiles

- [CoinList](https://altss.com/profile/coinlist)
- [Pulley](https://altss.com/profile/pulley)

---

Last updated: 2026-08-11T15:06:04.815Z

Canonical page: https://altss.com/profile/atom-bank

Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology