Atom Bank

Atom Bank plc is a UK app-only digital bank headquartered in Newcastle upon Tyne, and the first mobile-only bank in the United Kingdom (no branches, no web banking). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FS Register 661960), Atom offers fixed savings accounts, residential and commercial mortgages, and secured business lending, all delivered through its iOS and Android apps. Atom does not publish a public developer API or developer portal; it is a consumer of UK Open Banking, letting customers share a one-off snapshot of their bank data (via aggregators such as Plaid, Tink and TrueLayer) to speed lending decisions. Backed by Anthemis and others, Atom runs a Go/Python/Java/Kafka technology stack and operates a four-day working week.

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

Atom Bank’s developer surface includes engineering blog, support, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub

15.6/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechBankingDigital BankChallenger BankOpen BankingMortgagesSavingsLendingUnited Kingdom

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 15.6/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.7 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

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

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/atom-bank: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 4

The organization behind the API

Website

About

Blog

Newsroom

Other 2

Properties that don't map to a standard resource type

OpenBanking

OpenBanking

Technology

Technology

Source (apis.yml)

aid: atom-bank
name: Atom Bank
description: Atom Bank plc is a UK app-only digital bank headquartered in Newcastle upon Tyne, and the first mobile-only bank
  in the United Kingdom (no branches, no web banking). Authorised by the Prudential Regulation Authority and regulated by
  the Financial Conduct Authority (FS Register 661960), Atom offers fixed savings accounts, residential and commercial mortgages,
  and secured business lending, all delivered through its iOS and Android apps. Atom does not publish a public developer API
  or developer portal; it is a consumer of UK Open Banking, letting customers share a one-off snapshot of their bank data
  (via aggregators such as Plaid, Tink and TrueLayer) to speed lending decisions. Backed by Anthemis and others, Atom runs
  a Go/Python/Java/Kafka technology stack and operates a four-day working week.
url: https://raw.githubusercontent.com/api-evangelist/atom-bank/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- anthemis
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
image: https://logo.clearbit.com/atombank.co.uk
tags:
- Company
- Fintech
- Banking
- Digital Bank
- Challenger Bank
- Open Banking
- Mortgages
- Savings
- Lending
- United Kingdom
apis: []
common:
- type: DomainSecurity
  url: security/atom-bank-domain-security.yml
- type: Website
  url: https://www.atombank.co.uk/
- type: About
  url: https://www.atombank.co.uk/about-us/
- type: Blog
  url: https://www.atombank.co.uk/blog/
- type: Newsroom
  url: https://www.atombank.co.uk/newsroom/
- type: GitHubOrganization
  url: https://github.com/atombank
- type: Support
  url: https://www.atombank.co.uk/support/
- type: PrivacyPolicy
  url: https://www.atombank.co.uk/policies/privacy-and-data/
- type: TermsOfService
  url: https://www.atombank.co.uk/terms/web/
- type: OpenBanking
  url: https://www.atombank.co.uk/open-banking/
- type: Technology
  url: https://www.atombank.co.uk/about-us/technology/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence