Brits who wish to give mobile banking a whirl have another option on the table from today, as Atom Bank has officially opened to all customers.
The bank, which is built exclusively for mobile, initially launched in "invitation only" mode but the app could only be used by those who had expressed interest previously and had been given a registration code.
At present, Atom's products include two fixed saver accounts and SME lending through a panel of intermediaries, while business banking is currently being rolled out throughout the UK.
As for products in the pipeline, a residential mortgage offering is expected to be available shortly while the bank is also working on a current account.
The app is now available on both Android and IoS and is free to download.
"We are creating an entirely new way to bank; a system that is based on what the customer needs and wants, rather than being focused on bank balance sheets," said Atom's chief executive, Mark Mullen. "We've been steadily growing our business to date and this is an exciting new phase where we can offer our fixed saver rates to anyone who wants them."
Atom's founder and chairman, Anthony Thomson, added:
Building a bank in the right way takes time. What we’ve achieved to date is fantastic, but the key to providing our customers with the best banking experience possible is to continue to build the bank piece by piece, listening to customers. We do not want to rush simply to say we were the first.
The fintech firm has had a number of successes since its creation in 2014, including placing eighth in KPMG's global list of top fintech firms for 2015.