Founded in 2014, Atom Bank is the United Kingdom’s first app-based bank and the first digital-only bank to be granted a regulatory licence. With a mission to deliver simple, secure, and transparent financial products, Atom Bank has positioned itself at the forefront of digital banking innovation. The company aims to make a meaningful difference not only in the lives of its customers but also in the wider financial services industry.
Headquartered in the North East of England, Atom Bank maintains a strong regional identity, embracing the cultural richness and community spirit of the area. It employs over 470 professionals, many of whom are based in the region. The bank is committed to inclusive and progressive employment practices, with a focus on enabling diverse talent to shape its strategic direction and daily operations.
Products and Services
Atom Bank specialises in digitally-delivered personal and business finance products, including:
Savings Accounts – Competitive, secure savings products with full FSCS protection.
Mortgages – Streamlined mortgage application processes powered by automation and digital-first design.
Business Loans – Financing solutions tailored for small and medium-sized enterprises (SMEs), offering flexibility and speed.
All services are accessible exclusively through Atom’s mobile app, reflecting its commitment to mobile-native banking experiences.
Leadership and Governance
Atom Bank is regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA), ensuring robust oversight and regulatory compliance.
Mark Mullen, Chief Executive Officer – Former CEO of First Direct, a pioneer in direct and telephone banking. Mullen co-founded Atom Bank with a vision to transform retail banking through technology-led mortgage innovation and end-to-end digital delivery.
Lee Rochford, Chair of the Board – A seasoned financial services executive with 35 years of industry experience. Prior to joining Atom, Rochford served as CEO of Arrow Global plc and CFO at Virgin Money, where he played a central role in the company's IPO and broader financial strategy.
Under their leadership, Atom Bank continues to refine its business model, enhance user experience, and challenge legacy processes across the banking sector.
Commitment to Change
Atom Bank is more than a financial institution—it is a purpose-led organisation aiming to reshape the banking experience for customers, employees, and society. By embedding social responsibility into its operations and advocating for long-term sustainable change, Atom has earned recognition as a challenger bank that goes beyond technology, actively contributing to the communities it serves and the future of banking in the UK.
