Atom Bank Review and Service Offering

Atom Bank

Our take on Atom Bank

Atom does not lend to fossil fuel companies and has a formal policy in place that prohibits such lending. It offers a discount on commercial mortgages for properties that have a high energy efficiency rating.

How we rate banks

Last reviewed: August 13, 2025

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Founded: 2014

Policies

Environmental Policy

Deposit Protection

Customers Served

Corporate
Small and Medium Enterprises (SMEs)

Services

Mobile Banking

Fees

No account maintenance fee
No overdraft fee

Accounts	Interest rates	Fees
Savings	2.5% - 4.11%	No maintenance or overdraft fees
ISAs	4% - 4.25%	No maintenance or overdraft fees

Loans	Interest rates	Fees
Mortgages or loans	Rates may vary	Fees may vary

This bank does not offer any Nonprofit accounts or loans.

This bank does not offer any Government accounts or loans.

Accounts	Interest rates	Fees
Savings	-	No maintenance or overdraft fees

Loans	Interest rates	Fees
Corporate lending	Rates may vary	Fees may vary
Small business lending	Rates may vary	Fees may vary
Equipment lending	Rates may vary	Fees may vary
Mortgages or loans	Rates may vary	Fees may vary

This bank does not offer any Corporate accounts or loans.

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