Atom Bank alternatives
short answerRanked by how closely they match Atom Bank on structure — custody, license type, card and overlapping markets — the nearest alternatives in the dataset are Kroo, Starling Bank and Zopa Bank, which share the same traditional model, custodial custody and the same license type (Licensed bank); all three are available in Europe. This is a similarity ranking from verified fields, not a popularity list or an editorial pick — all 8 peers are compared field by field below. No affiliate links.
The 8 closest alternatives
| neobank | type | hq | reported users | compare |
|---|---|---|---|---|
| Kroo | traditional | London, UK | — | directory → |
| Starling Bank | traditional | London, UK | — | directory → |
| Zopa Bank | traditional | London, UK | — | directory → |
| Monzo | traditional | London, UK | 12M customers (2025) | directory → |
| Tandem Bank | traditional | London, UK | — | directory → |
| Klarna | traditional | Stockholm, SE | — | directory → |
| Alpian | traditional | Geneva, CH | — | directory → |
| BoursoBank | traditional | Paris, FR | — | 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.