We’re a very open bank, so whenever you ask us a question we’ll try our best to answer it (ideally it’ll be about banking though). Simply browse the FAQ topics below to find your answer, and if it’s not listed here, get in touch.
Is Atom a real bank? What career opportunities do you have? What is Atom? Where are you based? Where’s my nearest branch? Who owns Atom? Can I open an account by post or through the website? Can I open an account if I don’t live in the UK? How can I help to verify my postal address? How do I get a mortgage? How do I join Atom bank? How do I open a Fixed Saver account? How old do I have to be to open an account? What documents do I need? Why do you need my bank details? Can I access my account on multiple devices? Can I add a third party to help me with my account? Can I delete my customer record and associated data? Can I opt out of Confirmation of Payee? Can a power of attorney be set up on an Atom account? How can I let you know if I need additional support? How safe are my details and money? What happens when an account holder dies? What happens when my account matures? What information should I enter in a Confirmation of Payee request? Why do I need to add an additional reference when I link an external account to my Fixed Saver? Do I have to use Face and Voice? How do I add a device? How do I reset my Passcode? How do I update my Atom Face and Voice in-app biometrics? Can I use the app on more than one device? How do I find what version of the app I am using? How do I log in to the app? How do I log out? How do I manually update apps on my mobile or tablet? Which devices can use the app? Why don’t you support every single device? Will my tablet work with your app? Can I change my email address and/or phone number within the app? What is the ‘Android app hibernation’? How will the Android app hibernation affect my Atom bank app? Can I disable the Android app hibernation feature? What is device security? How do I enable device security in the Atom app? How do I set up device security on my device? Can I still use Atom’s in-app biometrics or Passcode to log in? How do I switch off device security? If my device security doesn’t work, can I still log in? If I enable my device security, will others be able to access my app via other registered devices? Why can I no longer access the app? How do I check what version my operating system is (iOS)? How do I check what version my operating system is (Android)? How do I update my operating system (iOS)? I can no longer access the app - how do I access my account? I can no longer access the app — what happens to my mortgage or savings account? How can I make a complaint? What support is available to me? Where can I find my account number and sort code? Why do you need access to my camera and microphone? Why has my account application been rejected? General Can you help me budget? How can I check if I qualify for government support? I've had a major life event, which means I'm struggling to manage my mortgage or loan. Can you help me? I've lost my job or my income has reduced. What should I do? Will contacting Atom about money worries affect my credit score? Will you charge me additional fees if I miss a mortgage payment? I’m worried about my finances, but I haven’t missed a payment yet. What should I do? What if my personal circ*mstances are making it difficult for me to manage my payments? What should I do if I’ve missed a payment or I can’t afford an upcoming payment? How do I get in touch to discuss my finances? What other support is available? What is a payment deferral? What support or solutions are available to help me? Where can I get independent guidance and help? What happens if I don’t keep up with my payments and don’t contact you? Business Banking I’m worried about my business finances, but no payments have been missed yet. What should I do? What if my business circ*mstances are making it difficult to manage payments? What should I do if a payment has been missed? How do I get in touch to discuss my business finances? Do my business’ financial difficulties need to be related to the COVID-19 pandemic for Atom to support me? What is a payment deferral? The business can’t afford the next payment, what should I do? What support might be available to help me? Where else can I get help? What is an Atom Instant Saver account? Who is an Atom Instant Saver account suitable for? Can I put money in and take money out of an Atom Instant Saver? Is there a minimum deposit for the Instant Saver account? Is there an initial deposit period? How old do I have to be to open an account? Do I need a current account to open an Instant Saver? How many Atom Instant Saver accounts can I open? Can an Atom Instant Saver be set up as a joint account? Are there any charges for opening an account or taking money out? Will I get a bank card? Could the interest rate change? How much can I save? What is the maximum balance I can have across Fixed Saver and Instant Saver accounts? What is a connected account? How do I add or change a connected account? Why do I have to use a connected account with Atom's Instant Saver? Why can’t I set up my connected account? What is Confirmation of Payee? Why can’t my bank verify the details of my Atom Instant Saver? Can I move funds between my Instant Saver and my Fixed Saver? Is there a limit to how much I can withdraw? Can I send funds to my external savings and/or current account? Is the rate fixed or is it variable? How often will you send me statements? Does the FSCS protection also apply to Atom's Instant Saver? Is an Instant Saver account an ISA? What is the Personal Savings Allowance (PSA)? What does ‘AER’ mean? What does ‘gross’ mean?All about Atom
Opening an account
Managing your account
The app
Help
Money worries
Instant Saver
