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Atom Bank profile

Who owns Atom Bank?

traditional · Durham, UK · Licensed bank · custody: Custodial

short answerAtom Bank holds its own banking licence, so Atom Bank itself is the bank — customer deposits sit on its own regulated balance sheet rather than with a third-party sponsor. Atom Bank's most notable disclosed backers include BBVA and Toscafund.

Is Atom Bank a licensed bank?

Yes — it holds its own banking licence. Licence detail: UK banking licence.

Where is your money held?

Custody model: Custodial — on Atom Bank's own balance sheet as a licensed bank.

Atom Bank runs on: Thought Machine (core banking platform). Full stack on the infra map.

Who's behind Atom Bank?

Atom Bank was founded by Anthony Thomson, Mark Mullen (2014), headquartered in Durham, UK.

Early investors

Notable venture and strategic investors from Atom Bank's publicly disclosed funding rounds.

BBVA ↗ Toscafund ↗

Is my money safe with Atom Bank?

As a licensed bank, eligible deposits at Atom Bank are typically protected by the local deposit-guarantee scheme up to the statutory limit (for example FDIC in the US, FSCS in the UK, or the €100,000 EU scheme). Confirm the exact scheme and limit for your country.

go deeperSee the full Atom Bank profile with every verified field, or Atom Bank alternatives. Raw fields: data.json.

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.