# Atom Bank plc

**Canonical:** https://apis.io/providers/atom-bank-plc/  
**Website:** https://www.atombank.co.uk/  
**APIs profiled:** 0

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.

## Kin Score — 12.7 / 100 (emerging)

Scored 2026-10-23 under rubric 0.25.0. Trend: flat (+0.0 from 12.7).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 16.7 |
| Access Clarity | 10.5 |

Regulatory layer — **Banking & Open Finance**: 7.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |
| Pagination Ratio | na |
| Operation Distinctiveness | na |

## Security (1)

- **Atom Bank Plc Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Banking, Digital Bank, United Kingdom, Fintech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/atom-bank-plc/). Scores are computed from the provider's own public artifacts under a published rubric.