Atom Bank plc Credit Rating - BB from Fitch Ratings

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Atom Bank plc

Atom Bank plc

FCA: 754888

Current Rating

Rating Agency

Fitch Ratings

Outlook

Stable

Last Updated

27 January 2026

Founded

2014

Ownership

Private (BBVA, investors)

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Commentary

Rating sourced from public reference data. Please verify with official sources for Atom Bank plc.

Rating History Chart

Rating History

Analysis Timeline

27 Jan 2026

BB (Fitch Ratings)

Rating sourced from public reference data. Please verify with official sources for Atom Bank plc.

15 Mar 2023

BB- (Fitch Ratings)

Upgraded following first profit

15 Sep 2021

B+ (Fitch Ratings)

Outlook revised to Stable

20 Apr 2020

B+ (Fitch Ratings)

Outlook revised due to path to profitability concerns

15 Jun 2019

B+ (Fitch Ratings)

Digital-only challenger bank

Latest News

Atom bank cuts minimum commercial loan size to £200,000 - The Intermediary The Intermediary - 24 Feb 2026

Atom Bank closes in on traditional banks with prime RMBS - GlobalCapital GlobalCapital - 20 Jan 2026

Atom Bank tops £1bn commercial mortgages lending - business-live.co.uk business-live.co.uk - 17 Jan 2026

Atom Bank reaches “important milestone” after hitting the £1bn mark for commercial mortgages - Insider Media Ltd Insider Media Ltd - 15 Jan 2026

Atom bank Review 2026: Pros, Cons and Key Features - Traders Union Traders Union - 26 Dec 2025

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