Atom Bank

inspectorperez

I have had 3 or 4 fixed terms investments with Atom Bank.

My experience is definitely worth a 5 star rating in terms of the app which was easy to set up and navigate. If I did need to speak to anyone, customer service was always prompt in answering and very helpful to engage with.

The banking arrangements themselves in terms of reinvestment opportunities, payment of interest, repayment of capital etc always went without a hitch.

If I did have a criticism, it is with the document storage archive which I found awkward in identifying which documents I wanted to refer to mainly because the document names were not particularly explicit or stored in a user friendly fashion

mikewill34

I have now decided not to start using them due to

a) My security concerns, which they could not give me a satisfactory answer.
b) Their interest rate has dropped to 0.37% APR which now makes it unattractive.

mikewill34

They also said that I would not be able to make a GDPR request to obtain my face Id or voice Id data!
As they say they are storing the data as "an algorithm" I would not expect to be able to read or decode it back to voice or image.
They implied it was not longer PII, which I would strongly dispute!

pbartlett

i have had accounts with atom and had no.problems other than the app which is a bit quirky. I could never get faceid to work at all - was told it doesnt work reliably over mobile data and you need wifi.

anyway, now am now with virgin mobile and would second the above recommendation. A proper app with fingerprint login.