Atom Bank is now open to all customers.

It initially launched with an ‘invitation only’ phase, during which registration codes were only made available to customers who had registered an interest in the new bank via its website.

Now, anyone can now download the Atom App, both in iOS and Android, and open an account. The App is available to download for free via the Apple or Google Play stores. The App allows users to:

• Access fixed rate savings products (with further products and a full banking proposition in the pipeline)
• Use face and voice biometrics as a secure way of getting into the bank
• Open an account “in just a few minutes”, with no need for branches or paperwork
• Have access to a 24/7 customer support team based at Atom’s HQ in Durham

Atom Bank offers two Fixed Saver accounts, along with SME lending via a panel of specialist business intermediaries. Atom’s Business Banking continues to roll out across the UK, with regional panels in development as Atom appoints further business managers to cement and develop the relationships with its selected intermediaries.

Mark Mullen, Atom’s chief executive, said: “We are creating an entirely new way to bank; a system that is based on what the customer needs and wants,  rather than being focused on bank balance sheets. We’ve been steadily growing our business to date and this is an exciting new phase where we can offer our Fixed Saver rates to anyone who wants them. We’re already working on our current account, so there’s much more to come.”

Atom is committed to launching further products over the coming months, with residential mortgages, current accounts, debit card, overdrafts and instant access savings all in the pipeline.

Atom’s founder and chairman Anthony Thomson, added: “Building a bank in the right way takes time.  What we’ve achieved to date is fantastic, but the key to providing our customers with the best banking experience possible is to continue to build the bank piece by piece, listening to customers.

“We do not want to rush simply to say we were the first. We remain fully committed to delivering an innovative, engaging and transparent way to bank.”