Atom bank

I opened a couple of accounts with the app (6 and 12 month) and both were super fast and easy to set up. You then receive your certificates and other documents in the vault which you can send yourself as a PDF. Received the money instantly after transferring from my bank and got a text message which was really reassuring as well. Before I downloaded the app I read the comments complaining about the face ID not working etc and was hesitant at first but when you download and register you will see that there are always 3 ways of logging in so even if the face ID is not recognising you (I never have problems with it), you can still sign in using a passnumber. So not sure what the moaning is all about. The design of the app is fun and I quite like it, what’s most important to me is that their interest rates are really great in comparison with mainstream banks.

The app itself has slight flaws - when you upgrade to a better phone it often fails to recognise your face (because the new cameras are constantly improving) and you have to call the customer service team. I admit, this morning I drafted a 1 star review because of this, but I was so impressed by the manager who helped me today, stars are given where they’re due! What really saves it is the customer service you get when you speak to the Durham team. Everyone I have spoken to at Atom has been brilliant. They’re friendly, courteous and they know their stuff. And they do take feedback on board. Plus the fixed term savings accounts are among the best interest rates available.

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Tried to open an account but failed to go through the application due to the fact that they can’t electronically verify my credit history and they don’t even know what is wrong with my history as all they can say is if you can’t go through the process then that’s it, there’s nothing else they can do. All the agents said was try again, if it doesn’t work then we can’t help. Really?! I have bank accounts with major banks with no problems and no bad debts, haven’t moved house for two years, and credit score is average. Don’t know what’s their problem and they don’t know either. Update following developer’s response: I can’t register to vote as I’m not UK, EU or Commonwealth citizens. This is not a problem with high street banks, but clearly a shortfall of app or online only challenger banks as they can only electronically verify ID, address, etc. Hope this issue can be resolved soon.

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The banking account are good, but the app has some substantial UX issues. The sign-up process is problematic - the biometric voice/face ID seems very spotty, and getting the voice signup to work took 8 or 9 attempts. This seems daft given you don’t even need to use them once you’re signed up. I also had the sign-up process lock up at one point, and needed to chat to someone to get it working again. The log-in process is also somewhat painful - unlike every other banking app you can’t use TouchID to login, and you’re stuck with a PIN or their problematic biometrics. Further, it seems to insist on telling you that you’ve been timed out on every login, creating another pointless step in the process. Whereas with First Direct or Monzo I can just hold TouchID and get in almost instantly.

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The title says it all really. I was very close to transferring some money across but the app seems a unstable on my iPad Pro 2017 version. I think there should be other improvements such as an easier way to transfer money in from an external account. At the moment you have to go to your current bank to transfer money in to the atom bank account. It seems like a bit of a faff considering people who want to bank using an app and generally looking for an easy time. Also you don’t have to register with a photo of your face,however the app is very misleading and makes you do this as part of the set up process. My gut feeling tells me none of this seems right so I don’t think I will be using their service until the issues get resolved. Also the app doesn’t work in landscape mode on the iPad which is annoying when it is in its case stand, it just makes it uncomfortable to use.