Atom Bank PLC

Reference number: 661960

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When atombank.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 399 0050 is
  • Who else gives the postcode NE1 3PD
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • Crossco (1337) Plc Former name

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (6 permissions)
  • Accepting Deposits
  • Acting as a CBTL administrator
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Dealing in investments as principal
  • Entering into a regulated mortgage contract as lender

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
08632552
Company status
Active
Company type
Public limited company
Incorporated
31 July 2013 (13 years old)
Registered office
The Pattern Shop, Sussex Street, Newcastle Upon Tyne, NE1 3PD, England
Nature of business
  • Banks (SIC 64191)

Directors and company secretaries

Name Role Born Appointed Other companies
Sait Ergun Özen Director May 1960 1 Apr 2016 3 other companies
David Andrew Roper Director May 1961 31 Jul 2018 2 other companies
Cheryl Joanne Millington Director Jul 1966 6 Nov 2018 16 other companies
Laurence David Edgar Hollingworth Director May 1958 29 Sep 2021 16 other companies
Christine Anne Coe Director Apr 1954 27 Oct 2021 3 other companies
Andrew David Marshall Director Sep 1980 1 Nov 2022 2 other companies
Lee Michael Rochford Director Jan 1967 23 May 2023 2 other companies
Murat Kalkan Director Apr 1987 21 Jan 2025 None
Fabrizio Cesario Director Apr 1967 21 Jan 2025 5 other companies
Catherine Prentke English Director Sep 1980 5 Feb 2026 3 other companies
Maria Del Mar Fernandez-Aceytuno Zurdo Director Jun 1981 31 Jul 2026 None
Laura Farnworth Secretary Not published 3 Dec 2019 –

Other companies run by these 11 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
42
closed down
11
went insolvent
2

In the full report: all 42 companies, named

  • What each company does, and whether it is still trading
  • Which of these 11 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The 4 on the FCA register
  • The 4 companies these 11 directors run together
  • All 27 people who have ever been directors, with their dates
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Key dates in its history

Atom Bank’s history from the FCA register and Companies House, newest first.

Key events (11) All events (56)

2022

14 October 2022

  • Atom Holdco PLC took control (75–100% of shares)
  • Banco Bilbao Vizcaya Argentaria S.A. became a part-owner (25–50% of shares)
  • Banco Bilbao Vizcaya Argentaria S.A. stopped being a part-owner
  • Toscafund Asset Management LLP no longer holds 25–50% of the votes

Companies House

2017

13 December 2017

  • Toscafund Asset Management LLP gained 25–50% of the votes

Companies House

2016

6 April 2016

  • Banco Bilbao Vizcaya Argentaria S.A. became a part-owner (25–50% of shares)

Companies House

2015

25 August 2015

  • Changed its registered name from "Crossco (1337) Plc"

FCA register

23 June 2015

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date
  • Became authorised by the FCA

FCA register

2013

31 July 2013

  • Incorporated at Companies House

Companies House

In the full report: all 56 events

  • All 56 events in its history (11 shown here)
  • Every director appointment and resignation: 43
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Firms connected to Atom Bank

Other FCA-listed firms that share a director, phone number or address with Atom Bank. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share a director
2
past links
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Firms like Atom Bank

Other firms of the same type (bank or building society), nearest first.

In Newcastle Upon Tyne

North Tyneside Employees Credit Union LimitedNewcastle Upon TyneAuthorised

In the Newcastle (NE) postcode area

Newcastle Building SocietyWallsendAuthorised

Elsewhere in the UK

Wells Fargo Bank, National AssociationLondonAuthorisedCredit Suisse (UK) LimitedLondonAuthorisedUBS AGLondonAuthorisedDB UK Bank LimitedLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Atom Bank

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 42 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 56 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Atom Bank PLC FCA authorised?
Yes, Atom Bank PLC (FRN 661960) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2015 and works as a bank or building society. The FCA has placed no limits on its permissions.
What is Atom Bank’s phone number and website?
The FCA register lists the phone number 0333 399 0050 and the website atombank.co.uk for Atom Bank. If you were given different contact details, use these to check with the firm before going any further.
Is Atom Bank a scam or clone?
Atom Bank is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Atom Bank?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Atom Bank to the Financial Ombudsman Service, free of charge.
Who owns Atom Bank?
Atom Bank is owned by Atom Holdco PLC, which holds 75–100% of shares, 75–100% of votes and held as a trustee, since 14 October 2022. Before that, it was controlled by Banco Bilbao Vizcaya Argentaria S.A. and Toscafund Asset Management LLP.
Who runs Atom Bank?
Companies House lists 11 directors of Atom Bank: Sait Ergun Özen, David Andrew Roper, Cheryl Joanne Millington, Laurence David Edgar Hollingworth, Christine Anne Coe, Andrew David Marshall and 5 more.
How long has Atom Bank been in business?
The company was formed on 31 July 2013, and has held its current FCA authorisation since June 2015.
Does Atom Bank use any other names?
It has previously used the name Crossco (1337) Plc.

Sources and links

The full report on Atom Bank PLC

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