Atom Bank alternatives
short answerThe closest alternatives to Atom Bank are Revolut, Monzo and Phantom. All are neobanks operating in Europe, comparable to Atom Bank on custody, licence, cards, fees and FX — compared field by field below. No affiliate links.
The 8 closest alternatives
| neobank | type | hq | reported users | compare |
|---|---|---|---|---|
| Revolut | hybrid crypto | London, UK | 50M customers (2025) | directory → |
| Monzo | traditional | London, UK | 12M customers (2025) | directory → |
| Phantom | web3-native | San Francisco, US | 15M MAU (2025) | directory → |
| Starling Bank | traditional | London, UK | — | directory → |
| Zopa Bank | traditional | London, UK | — | directory → |
| Chase UK | traditional | London, UK | — | directory → |
| Kroo | traditional | London, UK | — | directory → |
| Curve | traditional | London, UK | — | directory → |
go deeperBack to the Atom Bank profile, ask who owns Atom Bank?, or filter your own shortlist in the directory.
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.