Atom Bank is a retail bank in the United Kingdom. It is the United Kingdom's first bank built for smartphone or tablet, without any branches, and the first digital-only challenger bank to be granted a full UK regulatory licence. The company is based in Durham, North East England. Atom is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. In 2017, Atom was named by LinkedIn as one of UK's top 25 startups and ranked 14th alongside companies such as Deliveroo, Uber and Airbnb, and in 2019, Atom ranked second in business analyst Beauhurst's list of 50 top fintech UK startups and scale-ups. It was the only company from outside London in the top 20 of the list.