aid: atom-bank
name: Atom Bank
description: 'Atom Bank plc is a UK app-only digital bank headquartered in Newcastle upon Tyne, and the
  first mobile-only bank in the United Kingdom (no branches, no web banking). Authorised by the Prudential
  Regulation Authority and regulated by the Financial Conduct Authority (FS Register 661960), Atom offers
  fixed savings accounts, residential and commercial mortgages, and secured business lending, all delivered
  through its iOS and Android apps. Atom does not publish a public developer API or developer portal; it
  is a consumer of UK Open Banking, letting customers share a one-off snapshot of their bank data (via
  aggregators such as Plaid, Tink and TrueLayer) to speed lending decisions. Backed by Anthemis and others,
  Atom runs a Go/Python/Java/Kafka technology stack and operates a four-day working week.'
url: https://raw.githubusercontent.com/api-evangelist/atom-bank/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- anthemis
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
image: https://logo.clearbit.com/atombank.co.uk
tags:
- Company
- Fintech
- Banking
- Digital Bank
- Challenger Bank
- Open Banking
- Mortgages
- Savings
- Lending
- United Kingdom
apis: []
common:
- type: DomainSecurity
  url: security/atom-bank-domain-security.yml
- type: Website
  url: https://www.atombank.co.uk/
- type: About
  url: https://www.atombank.co.uk/about-us/
- type: Blog
  url: https://www.atombank.co.uk/blog/
- type: Newsroom
  url: https://www.atombank.co.uk/newsroom/
- type: GitHubOrganization
  url: https://github.com/atombank
- type: Support
  url: https://www.atombank.co.uk/support/
- type: PrivacyPolicy
  url: https://www.atombank.co.uk/policies/privacy-and-data/
- type: TermsOfService
  url: https://www.atombank.co.uk/terms/web/
- type: OpenBanking
  url: https://www.atombank.co.uk/open-banking/
- type: Technology
  url: https://www.atombank.co.uk/about-us/technology/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence