Atom Bank plc

Atom Bank plc is a UK‑based digital‑only bank founded in 2014 and launched in 2016. It offers savings accounts, mortgages and business loans through a mobile‑first app, emphasizing speed, low fees and competitive rates. Regulated by the FCA and PRA with FSCS protection, Atom Bank focuses on technology‑driven banking experiences, biometric security and real‑time notifications. The bank serves personal and SME customers across the United Kingdom, providing products such as Cash ISAs, Instant Savers, Fixed Savers, mortgages and commercial loans.

Atom Bank plc is profiled on the APIs.io network. Tagged areas include Company, Banking, Digital Bank, United Kingdom, and Fintech.

Atom Bank plc’s developer surface includes support, engineering blog, and 12 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

12.7/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

0 APIs

Company Banking Digital Bank United Kingdom Fintech

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 12.7/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 1.8 / 17

Operational Transparency 3.5 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 1.2 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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<a href="https://apis.io/providers/atom-bank-plc/"><img src="https://apis.io/badge/atom-bank-plc/card.svg" alt="Atom Bank plc on APIs.io — Kin Score by API Evangelist"></a>

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Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/atom-bank-plc: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Atom Bank Plc Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

Security

Security

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 1

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

Company 3

The organization behind the API

Newsroom

Newsroom

Blog

Blog

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: atom-bank-plc
name: Atom Bank plc
image: https://eu-images.contentstack.com/v3/assets/bltdab5bf2080bb23ac/blt8988f6b1beda5123/69ef4ac36aa0d702ac086189/atom-bank-preview-purple-background.jpg
description: Atom Bank plc is a UK‑based digital‑only bank founded in 2014 and launched in 2016. It offers savings accounts,
  mortgages and business loans through a mobile‑first app, emphasizing speed, low fees and competitive rates. Regulated by
  the FCA and PRA with FSCS protection, Atom Bank focuses on technology‑driven banking experiences, biometric security and
  real‑time notifications. The bank serves personal and SME customers across the United Kingdom, providing products such as
  Cash ISAs, Instant Savers, Fixed Savers, mortgages and commercial loans.
url: https://raw.githubusercontent.com/api-evangelist/atom-bank-plc/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment pass 2026-09-26 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-09-26'
modified: '2026-09-26'
tags:
- Company
- Banking
- Digital Bank
- United Kingdom
- Fintech
tags_raw:
- Company
- Banking
- DigitalBank
- UK
- FinTech
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: SecurityTxt
  url: well-known/atom-bank-plc-atombank-security.txt
- type: WellKnown
  url: well-known/atom-bank-plc-well-known.yml
- type: Hosts
  url: hosts/atom-bank-plc-hosts.yml
- type: Vendors
  url: vendors/atom-bank-plc-vendors.yml
- type: TermsOfService
  url: https://www.atombank.co.uk/terms/
- type: Support
  url: https://www.atombank.co.uk/help/faqs/
- type: StatusPage
  url: https://atombank.statuspage.io/
- type: Security
  url: https://www.atombank.co.uk/security/
- type: Newsroom
  url: https://www.atombank.co.uk/newsroom/
- type: DeveloperPortal
  url: https://portal.atombank.co.uk/
- type: Blog
  url: https://www.atombank.co.uk/blog/
- type: GitHubOrganization
  url: https://github.com/atombank
- type: DomainSecurity
  url: security/atom-bank-plc-domain-security.yml
- type: Website
  url: https://www.atombank.co.uk/
apis: []
x-coverage:
  state: gated
  reason: partner-login
  detail: Developer portal requires login to access API documentation
  evidence:
  - url: https://portal.atombank.co.uk/
    status: 200
  checked: 2026-09-26
x-enrichment:
  date: '2026-09-26'
  status: enriched
  artifacts_added: 5
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local

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