What is the official website of the payment service?
https://www.atombank.co.uk
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Where can I find the customer support contacts?
Customer support contacts are available on Atom Bank's Contact Us page and within their mobile app under Help & Support.
What is the hotline phone number?
0333 399 0050 (UK), +44 20 3300 4900 (international)
Is there a toll-free support number?
There is no public information confirming a separate toll-free support number; the main UK contact number is 0333 399 0050.
What is the email address for technical support?
There is no specific public technical support email; general customer support can be reached at [email protected].
Are there separate emails for different types of inquiries?
Yes, [email protected] (customer support), [email protected] (general non-customer inquiries), [email protected] (data protection).
Where can I find the online chat support?
Online chat support is accessible via the Atom Bank mobile app under the Help & Support section.
Does the chat support work 24/7?
Chat support operates daily from 8am to 8pm.
Is there support through messengers (Telegram, WhatsApp)?
There is no available information indicating support through Telegram or WhatsApp.
What are the support working hours?
Support is available every day from 8am to 8pm.
Does support work on weekends and holidays?
Yes, support works 7 days a week including weekends and holidays within operating hours.
Are there regional offices for in-person visits?
Atom Bank is a digital-only bank with no physical branch offices for in-person visits.
Where are the physical offices located?
Atom Bank's postal address is PO Box 105, Blyth, NE24 9DU, UK; no public in-person branch locations.
Can I schedule a personal meeting?
There is no option to schedule personal meetings; Atom Bank operates fully digitally.
Are there representatives in different countries?
Atom Bank serves primarily UK customers; no known international physical representative offices.
In which languages is support available?
Support is provided in English only.
How quickly does support respond to requests?
Typical response times are within the same business day or during operating hours; phone calls likely answered immediately, emails within hours.
Is there a priority system for VIP clients?
No publicly disclosed VIP or priority customer support program.
Can I request a callback?
There is no publicly stated callback service; phone support is available during working hours.
When was the payment service founded?
Atom Bank was founded in July 2013.
Who is the founder and owner of the service?
Founded by Anthony Thomson and Mark Mullen; current ownership includes investors like BBVA.
In which country is the company registered?
United Kingdom.
What is the development history of the payment service?
Founded in 2013, licensed in 2015, launched products in late 2015 and 2016, including loan and savings products; recognized as a leading UK digital challenger bank.
Have there been major updates or rebranding?
No major rebranding reported; the bank continues evolving its digital banking platform and services.
Who sits on the company's board of directors?
Detailed board member information is not publicly listed; key executives include CEO Mark Mullen and founder Anthony Thomson (Chairman).
Are there investors or partners in the service?
Major investor BBVA; partnerships include Google Cloud for technology infrastructure; uses Wise.com for payment transfers.
Does the company participate in stock trading?
Atom Bank is privately held; it is not publicly traded on any stock exchange.
What is the company's market capitalization?
Not applicable as Atom Bank is private.
Are there subsidiary companies or branches?
No public information on subsidiaries; operates primarily as a single UK digital bank entity.
What licenses does the payment service have?
Authorized and regulated by the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA) in the UK.
In which jurisdictions does the service operate officially?
Primarily operates within the United Kingdom.
Are there licenses for cryptocurrency operations?
Atom Bank does not hold cryptocurrency-specific licenses and does not support direct cryptocurrency trading.
Does the service comply with AML/KYC requirements?
Yes, Atom Bank complies with UK AML and KYC regulatory requirements.
Are there security certificates (PCI DSS, etc.)?
Atom Bank uses industry-standard security measures and encryption, likely including compliance with PCI DSS for card handling.
Has the service undergone security audits?
Regular security audits are conducted to maintain compliance and security integrity, though detailed reports are not public.
Is there insurance for client funds?
Customer deposits are protected up to £85,000 under the UK Financial Services Compensation Scheme (FSCS).
Which international standards does it comply with?
Complies with GDPR for data privacy and UK financial regulations including FCA and PRA rules.
Have there been any regulatory fines or violations?
There is no public record of major regulatory fines or violations against Atom Bank.
Where can I find real reviews about the service?
Trustpilot and other consumer review websites provide user feedback on Atom Bank.
What are the main user complaints?
Some dissatisfaction relates to interest rate reductions and communication about changes.
What do users most often praise the service for?
Users praise the user-friendly app, straightforward account setup, competitive interest rates, and helpful customer support.
Are there issues with fund withdrawals?
Generally, users report smooth and fast fund withdrawals with no systemic issues.
Is the interface convenient according to users?
The mobile app and website are rated as highly convenient and user-friendly.
Are clients satisfied with transaction speed?
Most users report satisfactory transaction and account operation speeds.
Do users recommend this service?
A majority of users recommend Atom Bank for UK digital banking needs.
How do experts assess the service's reliability?
Experts view Atom Bank as a secure, innovative digital banking provider with strong regulatory compliance.
Are there industry awards and recognitions?
Atom Bank has received recognition for customer service and fintech innovation.
Does the service participate in payment system rankings?
Atom Bank has been listed among leading UK fintech startups and challenger banks.
Are there recommendations from financial regulators?
Atom Bank operates under full UK financial regulatory approval and compliance.
What reputation does the service have among partners?
The bank is considered a reliable partner with strong technology collaborations.
How do they evaluate solution innovation?
Recognized for innovation in mobile-first banking and cloud infrastructure adoption.
Are there quality service certificates?
Holds necessary certifications for banking services and information security compliance.
Does the company participate in industry conferences?
Actively participates in fintech and banking industry events and conferences.
How does the service position itself in the market?
Positioned as the UK’s first digital-only challenger bank, focusing on excellent customer experience and digital innovation.
Which fiat currencies does the service support?
Primarily supports British Pounds (GBP).
Are cryptocurrencies supported? Which ones specifically?
Atom Bank does not support cryptocurrencies directly.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion services are not publicly offered by Atom Bank; they use Wise for transfers.
What exchange rates are used for conversion?
Where currency conversion happens, rates are provided by third-party providers like Wise.
How often are exchange rates updated?
Exchange rates update in real-time or as provided by currency transfer partners.
Are stablecoins supported?
No stablecoin support is provided.
Can exotic currencies be handled?
Exotic currency handling is not supported directly; transfer services rely on standard major currencies.
Are there currency restrictions in different countries?
Geographic currency restrictions apply per UK banking regulations and Wise.com transfer capabilities.
What types of transfers does the service support?
Supports bank transfers (ACH, wire), card payments, and internal transfers between accounts.
Can transfers be made between service users?
Transfers between users within Atom Bank’s accounts are supported via the app.
Are transfers to bank cards supported?
Direct transfers to bank cards are not publicly listed as a service.
Can money be transferred to bank accounts?
Yes, customers can transfer money to external bank accounts via ACH, wire, or SWIFT transfers.
Is bill payment available?
Bill payment services are not prominently available; focus is on savings and loans.
Are recurring payments supported?
No detailed information on recurring payment setups is publicly available.
Can automatic transfers be set up?
Automated transfers setup is not explicitly documented.
Is payment scheduling available?
Payment scheduling features are not clearly stated.
Are group payments supported?
No public information on group payment or splitting features.
Can payment links be created?
No public information about payment link creation within Atom Bank.
What are the minimum transaction amounts in the service?
Minimum transaction limits vary; no exact figures publicly detailed.
What are the maximum amounts that can be transferred?
Maximum transaction limits are subject to account type and regulatory requirements; exact figures not public.
Are there daily limits on operations?
Daily transaction limits exist per FCA regulations but are not publicly specified.
What monthly and annual limits are in effect?
Monthly and annual limits depend on account verification and regulatory compliance.
Can limits be increased? How?
Limits can typically be increased after enhanced customer verification, following bank procedures.
Do limits differ for verified users?
Verified users generally have higher transaction limits than unverified or newly registered users.
Are there restrictions for new accounts?
New accounts may have initial limits and restrictions for security and regulatory reasons.
Do special limits apply in different countries?
Atom Bank primarily operates in the UK; geographic limit variations are minimal.
Can operations be temporarily blocked?
Operations can be temporarily blocked due to security alerts, suspicious activity, or compliance reviews.
Are there limits on the number of daily operations?
Limits on daily transaction counts may apply per banking and regulatory policies.
What are the minimum amounts for account funding?
Minimum funding amounts depend on the product; opening savings accounts often requires no minimum deposit.
What methods of funding are supported?
Customers can fund accounts via bank transfer, debit card, or other UK banking methods.
Are there fees for funding?
Typically, no fees are charged by Atom Bank for account funding; third-party fees may apply.
What are the minimum funding amounts?
Generally, no minimum deposit for savings accounts; exact thresholds may vary by product.
How quickly are funds credited when funding?
Bank transfers usually credit within 1-2 business days; card deposits may be faster.
How can money be withdrawn from the system?
Withdrawals can be made to linked bank accounts or via wire transfers using Wise.com.
Are there fees for fund withdrawal?
Atom Bank does not charge withdrawal fees; third-party transfer services may charge small fees.
How long does withdrawal take?
Withdrawals typically take 1-3 business days depending on transfer method and destination bank.
What withdrawal limits are set?
Withdrawal limits vary by account type and verification status; details are not disclosed publicly.
How quickly are funds credited when funding with a card?
Card funding credits are usually near-instant or within a few hours.
How long does a bank transfer take?
Bank transfers normally take 1-2 business days in the UK.
How quickly do cryptocurrency transfers arrive?
Atom Bank does not support direct cryptocurrency transfers.
Are transfers between users instant?
Internal account transfers within Atom Bank are generally instant.
Are there delays when funding on weekends?
Weekend funding through bank transfers may experience delays, typically credited on next business day.
Do holidays affect funding speed?
Holidays delay processing times similar to weekends.
Can crediting be accelerated for a fee?
No public information on express funding options with fees.
What determines the speed of funding processing?
Funding speed depends on payment method, banking partner, and cut-off times.
Are there notifications about funding status?
Customers receive notifications about funding status via the app.
What to do if funding takes too long?
Contact customer support via app or phone for troubleshooting delayed funding.
How quickly are withdrawal requests processed?
Withdrawal requests are processed typically within 1 business day.
How long does card withdrawal take?
Card withdrawal timeframes are similar to bank withdrawals, usually 1-3 business days.
How quickly do bank transfers arrive?
Bank transfers arrive in 1-2 business days on average.
Are cryptocurrency withdrawals instant?
No cryptocurrency withdrawals supported.
Are there withdrawal delays on weekends?
Withdrawals initiated on weekends are processed the next business day.
Do holidays affect withdrawal speed?
Withdrawals may be delayed by holidays similar to weekends.
Can withdrawal be accelerated for an additional fee?
No public information on paid express withdrawal options.
What determines withdrawal processing time?
Processing time depends on method, banking partners, and regulatory checks.
Are there notifications about withdrawal status?
Withdrawal status updates and notifications are provided via the app.
Can a withdrawal request be canceled?
Withdrawal cancellation depends on processing stage; usually possible if not yet completed.
How to register with the payment service?
Registration is through the Atom Bank mobile app by downloading and following on-screen instructions.
What data is needed to create an account?
Users provide personal details, identification documents, and proof of address for verification.
Can registration be done without email?
Email is required for registration and communication.
Is phone confirmation required during registration?
Phone number confirmation is standard as part of identity verification.
Are there age restrictions for registration?
Customers must be at least 18 years old to register.
Can a corporate account be created?
Atom Bank primarily offers personal accounts; corporate account options are limited or not available.
Is it required to provide real data?
Yes, real identity and address information must be provided for regulatory compliance.
Are there country restrictions for registration?
Registration is restricted to UK residents.
How long does account activation take?
Account activation takes minutes to a few hours after verification.
What verification levels exist?
Basic and enhanced verification levels, including ID and address proof.
What documents are required for basic verification?
Passport or driver’s license and proof of address (utility bill, bank statement).
Are documents needed for full verification?
Full verification may require additional documents or checks depending on account type.
Are digital copies of documents accepted?
Yes, digital document uploads are accepted during registration.
How long does the verification procedure take?
Verification typically completes within a few hours to one business day.
Can the service be used without verification?
Limited use is possible but full features require completed verification.
What restrictions apply to unverified users?
Unverified users face lower limits and restricted access.
Is address confirmation required?
Yes, address verification is mandatory.
Is a selfie with documents required?
Yes, photo verification/selfie with documents is typically required.
How often do documents need to be updated?
Documents may need updating periodically or if account activity changes.
What encryption technologies does the service use?
Atom Bank uses advanced encryption standards including TLS and AES.
Is two-factor authentication supported?
Yes, 2FA is supported and encouraged.
Are there SMS confirmations for operations?
SMS verification is used for certain transactions and security purposes.
Is biometric authentication supported?
Yes, biometric login using face and voice recognition is supported.
Is blockchain technology used?
No public information about blockchain technology use.
Is there a multi-level security system?
Yes, Atom Bank implements multiple layers of security including encryption, biometrics, and 2FA.
How is user personal data protected?
Data protection aligns with GDPR regulations with strict privacy controls.
Is cold storage used for cryptocurrencies?
Atom Bank does not facilitate cryptocurrency custody.
Is there DDoS attack protection?
Yes, security infrastructure includes protection against DDoS attacks.
Are regular security audits conducted?
Yes, regular audits are conducted for maintaining security and compliance.
What anti-phishing protection measures are provided?
Customers are educated on anti-phishing; security features protect against fraudulent access.
Is there a suspicious activity detection system?
Yes, automatic monitoring detects unusual transactions.
How does the service combat money laundering?
Strong KYC, AML controls, and transaction monitoring are in place.
Is there blocking of suspicious accounts?
Suspicious accounts are blocked or suspended pending investigation.
What to do when fraud is detected?
Customers should contact support immediately and follow bank procedures.
How to report suspicious activity?
Suspicious activity can be reported through the app or customer support channels.
Is there compensation for damage from fraudsters?
Customer deposits are protected under FSCS for up to £85,000.
What user rights exist for disputed transactions?
Customers have rights to dispute transactions under FCA regulations.
How to dispute account blocking?
Disputes are handled by contacting customer support and cooperating with investigations.
Is there insurance against cyber attacks?
The bank holds cybersecurity insurance though details are not public.
What fees does the service charge for transfers?
Atom Bank does not charge fees for transfers; third-party fees (e.g., Wise) may apply.
Are there fees for account funding?
No fees are charged for funding accounts.
Are fees charged for fund withdrawal?
No withdrawal fees by Atom Bank.
Are there fees for currency conversion?
Currency conversion fees depend on third-party providers.
Are there fees for account inactivity?
No inactivity fees are publicly stated.
Are there account maintenance fees?
No maintenance fees apply for personal accounts.
Are fees charged for operation cancellation?
No fees are charged for transaction cancellations.
Are there fees for expedited operations?
No specific expedited service fees available.
Are there hidden fees?
Atom Bank discloses fees transparently with no known hidden fees.
How are fees calculated for large amounts?
Fees depend on the transaction method and third-party processors.
Are there different tariff plans in the service?
Atom Bank offers standard pricing; no tiered tariff plans public.
What advantages does VIP status provide?
No public VIP status or benefits.
How to get preferential conditions?
No publicly described preferential condition process.
Are there free operations per month?
Most common operations are free.
Are there discounts for active users?
No public discount programs for active usage.
Are there corporate tariffs?
No corporate tariffs publicly detailed.
Can individual conditions be obtained?
Custom conditions are not publicly promoted.
Do promotional codes work for fee reduction?
No public information on promotional codes.
Are there cashback programs?
Cashback programs are not offered.
Are there discounts for transaction volumes?
No volume-based discounts publicized.
Is there an official mobile application?
Yes, Atom Bank has an official app for iOS and Android.
On which platforms is the application available?
iOS (Apple App Store) and Android (Google Play Store).
What functions are available in the mobile application?
Account management, deposits, withdrawals, payments, support access, and notifications.
Does functionality differ from the web version?
The app has full banking functionality; desktop access is limited.
Is Touch ID/Face ID supported?
Yes, biometric authentication is supported on mobile devices.
Can the application work offline?
Limited offline functionality; requires network for transactions.
Are there push notifications about operations?
Yes, push notifications are available and configurable.
Is dark theme supported?
The app supports dark mode.
How often is the mobile application updated?
Updates are released regularly, about every few weeks.
Are there beta versions of the application?
Beta versions may be offered to select users.
Is the web interface of the service convenient?
The web interface is user-friendly but secondary to the mobile app.
Is responsive design supported?
Yes, the website is mobile responsive.
In which languages is the interface available?
English only.
Is there a night mode for the website?
No dedicated night mode known for the web interface.
Are hotkeys supported?
Hotkeys are not a documented feature.
Can data be exported?
Data export functionality is not publicly detailed.
Is there an API for developers?
No public API access.
Is integration with other services supported?
Limited third-party integrations; uses Wise for transfer services.
How often is the web interface updated?
Website updates occur periodically to improve service and information.
Are there virtual cards in the service?
No virtual card issuance offered.
Can disposable cards be created?
No disposable card functionality available.
Is multi-currency account functionality supported?
No multi-currency accounts; accounts are GBP based.
Are there investment products?
Atom Bank offers savings and loan products; no investment products.
Can interest be earned on balance?
Yes, interest can be earned on savings accounts.
Are there credit products?
Yes, secured loans and mortgages are offered.
Is P2P trading supported?
No peer-to-peer trading.
Can cryptocurrencies be bought/sold?
Atom Bank does not facilitate cryptocurrency trading.
Is there acquiring for business?
Business mortgage lending is available; no merchant acquiring services.
Are mass payouts supported?
No mass payout services publicized.
Is there a loyalty program in the service?
No loyalty program available.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback programs.
Are there referral programs?
No public referral programs.
What privileges do VIP clients have?
No VIP privileges publicized.
Are there seasonal promotions and offers?
Occasional promotional savings rates may be offered.
Can premium status be obtained?
No premium account tiers.
Are there partner discounts?
No partner discounts announced.
Are there corporate loyalty programs?
No corporate loyalty schemes.
Does the service allow operations with online casinos?
No public statement on online casino transactions.
Are there restrictions on gambling transactions?
Generally, banking services follow UK regulations which may monitor or restrict gambling transactions.
Can accounts be blocked for casino play?
Accounts may be monitored; blocking is possible if suspicious activity occurs.
How does the service view gambling?
Atom Bank has no publicized stance beyond compliance with regulations.
Are there special conditions for gambling?
No special gambling conditions communicated.
Are casino transactions tracked?
Transactions are monitored per fraud and AML policies.
Can operations with gambling sites be hidden?
No privacy features specific to gambling transactions.
Are there notifications about gambling expenses?
No dedicated gambling expense notifications.
Are there special fees for gambling operations?
No specific gambling fees.
Can limits be set on gambling?
No public gambling-specific spending controls.
Is there a self-exclusion function?
No direct self-exclusion function via bank; customers can seek external support.
Can access to gambling sites be restricted?
Atom Bank does not block access to gambling sites.
Is gambling expense control supported?
No dedicated gambling control features.
Are there notifications about limit exceedance?
No specific limit exceedance alerts for gambling.
Can operations with casinos be blocked?
Blocking possible based on fraud or compliance policies.
Is there gambling expense statistics?
No gambling-specific statistics provided.
Is a "cooling-off period" supported?
No gambling cooling-off features offered.
Can help be obtained for gambling addiction?
Customers are encouraged to use UK external resources for problem gambling.
Is there partnership with player assistance organizations?
No public partnership with gambling addiction organizations.
How to set up gambling expense notifications?
No direct service feature for gambling expense alerts.
Which online casinos accept this payment method?
This is a bank service; acceptance depends on merchant policies.
Are there exclusive partnerships with specific casinos?
No known exclusive casino partnerships.
Do conditions differ when used in different casinos?
Not applicable for the bank service.
Are there special bonuses for using this method in casinos?
No casino-specific bonuses.
Can the method be used for both deposits and withdrawals in casinos?
Depends on merchant acceptance; Atom Bank itself does not facilitate such.
Are there geographic restrictions for casino usage?
UK regulations apply; no geographic exceptions publicly noted.
How do casino operators typically process transactions from this method?
Processed as standard debit or credit card payments.
Are there typical processing times when used with casinos?
Processing times align with standard banking transfer times.
Do casinos usually charge additional fees for this method?
Fees depend on the casino; not bank-related.
Are there any known compatibility issues with major casino platforms?
No reported compatibility issues.