ATOM BANK PLC
Company number 08632552 · Monitor this company
Executive summary
Atom Bank PLC is a PRA-regulated digital bank with meaningful institutional backing from BBVA and Toscafund, providing some confidence in shareholder support and governance. However, the neobank sector carries inherent profitability and funding risks, and without visibility into capital ratios, asset quality, or earnings trajectory, credit exposure requires appropriate covenants and ongoing monitoring of regulatory returns. Any facility should be structured with conditions around capital adequacy and profitability milestones.
Overview
- Company type
- Public Limited Company
- Incorporated
- 2013-07-31
- Registered office
- The Pattern Shop, Sussex Street, Newcastle Upon Tyne, England, NE1 3PD
- Postcode
- NE1 3PD
- Capital
- 9 GBP
- Accounts category
- Full
- Charges
- 0 outstanding
Accounts
- Last made up to
- 2025-03-31
- Next due by
- 2026-09-30
- Financial year end
- 31 March
Confirmation statement
- Last statement dated
- 2026-06-25
- Next due by
- 2027-07-09
Nature of business (SIC)
- 64191 Banks
Officers 14 current · 16 resigned
Group structure 1 subsidiary
Controlled by ATOM HOLDCO PLC — since 2022-10-14
Controlled by Banco Bilbao Vizcaya Argentaria S.A. (VOLUME2,083,PAGE1ANDSHEETBI-17-A) — since 2016-04-06
From persons-with-significant-control filings on the public register.
Data protection registration
Registered with the ICO as a data protection fee payer — ZA106993 (Tier 3), registered since 2015.
Information Commissioner's Office register of fee payers, licensed under the Open Government Licence.
Gender pay gap
31.39%
Women's median hourly pay below men's, 2025/26 · in the bottom 10% for parity
Contact details
- Website
- atombank.co.uk
- Phone
- +44 2033004900, 01915949400, 03333990050
Savings accounts, a range of mortgages & business loans, you'll find it all with Atom bank. App-based and designed to be hassle-free. Download the app today.
Previous company names
| Name | Date changed |
|---|---|
| CROSSCO (1337) PLC | 2015-08-13 |
| CROSSCO (1337) LIMITED | 2014-03-20 |
Previous registered addresses 3
| Address | Changed on |
|---|---|
| NORTHUMBRIA HOUSE AYKLEY HEADS, DURHAM, DH1 5TS | 2017-08-31 |
| NO. 3 TOLPUDDLE STREET, ISLINGTON, LONDON, N1 0XT, ENGLAND | 2014-09-23 |
| ST ANN'S WHARF 112 QUAYSIDE, NEWCASTLE UPON TYNE, NE1 3DX, UNITED KINGDOM | 2014-03-19 |
Among its peers
Among the oldest 25%
of 1,908 similar companies in NE — measured against the wider sector, trading since 2013
The class of 2013
9%
of the 269 companies in this sector incorporated in 2013 are still active today; 89% have since been dissolved.
A fact about the year, not a forecast for this company.
Property in England & Wales 3 titles
- Freehold
- 2
- Leasehold
- 1
- Most recent registration
- 2026-01-30
- Price paid, where recorded
- £132,500
- Where
- West Midlands (1), Tyne And Wear (1), Northumberland (1)
| Title number | County | Tenure | Registered | Price paid |
|---|---|---|---|---|
| WM660052 | West Midlands | Freehold | 2026-01-30 | — |
| TY613561 | Tyne And Wear | Leasehold | 2025-09-03 | — |
| ND209425 | Northumberland | Freehold | 2024-07-31 | £132,500 |
For addresses and the authoritative register entry, use HM Land Registry's official search (£3 per title).
Information produced by HM Land Registry. © Crown copyright 2026. Dataset as at 2026-08.
This company's registered activities are in financial services. If it carries on regulated business, it should appear on the FCA's Financial Services Register — the official record of authorised firms.