Atom Bank is a new digital banking system, authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA). They offer an app-based experience, using leading technology. The digital world is constantly changing and Atom will be changing banking too. Atom Bank is based in the UK and doesn’t have any branches, instead you can do all your banking on your phone, 24/7. Their aim is to breathe new life into banking.