Personal & business banking · 38 countries

A bank that thinks in decades, not quarters.

Everyday accounts, competitive lending and institutional-grade advice — all under one roof. Open an account in under four minutes and bank from anywhere, on any device.

Open an account Estimate a loan

Deposits protected to statutory limits
No monthly fee accounts
1,240 branches worldwide

What would you like to do?

Open an account Checking, savings or business — in minutes Compare credit cards Cash back, travel rewards and metal tiers Calculate a loan Home, auto, personal & business rates Find a branch 1,240 locations and 3,900 ATMs Log in to online banking Balances, transfers, statements

$0B

Assets under stewardship

Branches worldwide

Clients banking with us

Countries served

Savings APY 4.35% +0.10 30-yr fixed mortgage 6.42% -0.04 Business line of credit 7.10% +0.06 Personal loan 8.90% +0.02 USD / HKD 7.8102 -0.0031 12-mth time deposit 4.05% +0.05 Prime rate 7.75% — Auto loan 5.65% -0.08

Recognised by

World Finance Awards AA- rated issuer ISO 27001 certified Best digital bank 2026

Personal banking

Everyday money, handled properly.

One relationship, every stage of life. Fee-free day-to-day banking, savings that actually compound, and lending decisions made by people who answer the phone.

Clients keep an average of 11 years with Atlas — because switching banks is a hassle, and we would rather you never needed to.

Open an account Book an appointment

Personal finance paperwork, a calculator and a phone laid out on a desk during a planning review — **+$18,400** Average client saved over the first 3 years

Everyday checking

A fee-free current account with instant notifications and no minimum balance.

Zero monthly account fee
Free ATM withdrawals in 38 markets
Instant card freeze in the app

High-yield savings

Tiered savings and time deposits with rates published daily, never teased.

Up to 4.35% variable APY
Automatic round-up saving
Goal-based sub-accounts, free

Home & property loans

In-principle decisions in 48 hours, with fixed and tracker options underwritten in-house.

Up to 90% loan-to-value
Free valuation on qualifying loans
No early-repayment penalty

Wealth & investing

Discretionary portfolios, funds and retirement planning with transparent fees.

Advisory from 0.45% p.a.
Dedicated portfolio manager
Consolidated tax reporting

Business team meeting with their Atlas Bank relationship manager — Working capital approved in **72 hours** for 9 out of 10 eligible applicants

Business banking

Banking that scales with the business.

From the first invoice to the fifth market. Treasury, payments, FX and lending — managed by a named relationship team, on a platform your finance function will actually enjoy using.

Business accounts

Multi-currency current accounts with unlimited free transfers between Atlas entities.

Working capital

Revolving credit lines, invoice finance and equipment loans up to $25m.

Merchant payments

Card, wallet and account-to-account acceptance with next-day settlement.

FX & risk management

Competitive spot rates, forwards and hedging desks across 42 currencies.

Treasury & liquidity

Sweep accounts, term deposits and money-market access for idle balances.

Payroll & team cards

Run payroll in 12 markets and issue controlled spend cards with live limits.

Talk to a banker Find your nearest commercial centre

Credit cards

Three cards. One honest fee sheet.

No teaser rates, no rotating bonus categories you will never track. Pick the card that matches how you actually spend — and switch tiers any time, free of charge.

Atlas Bank Everyday

•••• •••• •••• 4192

Cardholder name12 / 29

Atlas Everyday

For building credit and keeping the month in order.

1.5% cash back on everything, no cap
0% on balance transfers for 15 months
No annual fee, ever

$0 annual fee Apply

Atlas Rewards

Travel, dining and everyday spend — on points that do not expire.

3x points on travel & dining, 1.5x elsewhere
8 airport lounge visits per year
Travel insurance & no FX fees abroad
Points never expire while the card is open

$95 annual fee Apply

Atlas Bank Black

•••• •••• •••• 0001

Cardholder nameBy invitation

Atlas Black

The metal card, with a desk that knows your name.

Unlimited lounge access worldwide
24/7 dedicated travel & concierge desk
5% back on hotels, 2% on all spend
Relationship pricing on lending & FX

$495 annual fee Request invite

Subject to status and affordability checks Representative APR 22.9% variable Compare all card benefits side by side

Loan calculator

Run the numbers before you talk to anyone.

Move the sliders to see an indicative monthly repayment, total interest and cost of credit. When you are ready, a pre-approval takes minutes and does not affect your credit score.

Loan amount $350,000

$10,000$2,000,000

Term 30yrs

Annual rate 6.42%

Repayment schedule

Estimated repayment

$2,197/ month

Home loan · $350,000 over 30 years at 6.42% p.a.

Total interest$441,050

Total repaid$791,050

Lender fees (est.)$1,250

Principal Interest

Get pre-approved

Placeholder calculator. Figures are illustrative sample values for template demonstration only and are not a credit offer. Connect the loan-origination API to serve live rates, fees and applicant-specific pricing.

Branch locator

1,240 branches. 3,900 ATMs. One network.

Search by city, district or branch name. Every listed branch offers appointment banking — reserve a slot and you will be seen within ten minutes of arriving.

No branches match that search. Try a different city or clear the region filter.

Placeholder map — drop in your mapping SDK

Legend Flagship branch Selected location

Security & trust

Your money, defended by default.

Banking security is not a feature you opt into. Every Atlas account ships with the same protections, monitoring and guarantees.

Deposit protection

Eligible deposits are protected to statutory limits in every market we operate in.

256-bit encryption

Bearer tokens with biometric login and device binding — nothing sensitive stored on the handset.

24/7 fraud monitoring

Behavioural models watch every transaction and can hold a charge before it clears.

Zero-liability promise

Report unauthorised card use promptly and you will not be out of pocket for it.

Client stories

Relationships, not transactions.

“

We moved our treasury across in a single afternoon. Two years on, the same three people still answer when we call — and they already know the answer.

Marcus MakCFO, Harbourline Logistics

“

The mortgage was approved in two days with a rate our old bank could not match, and nobody tried to sell me anything I did not ask for. Refreshing, honestly.

Elena ChanHome owner, Sydney

Online & mobile banking

Your bank, in your pocket — and open in seconds.

Balances, transfers, statements, card controls and lending applications, all in one place. Log in with your face, move money in three taps.

Instant transfers, 24/7
Biometric & passkey login
Spend insights by category
Digital statements & tax packs
Freeze a card in one tap
Bilingual support, 24/7

Download on theApp Store Get it onGoogle Play

Analytics dashboard representing Atlas online and mobile banking tools

Everyday Checking · 8842Live

$24,918.65

▲ 3.2% this month

Salary — Harbourline+$6,200

Mortgage repayment−$2,197

Card payment — Rewards−$418

Demo template.