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Ethical brand ratings and accreditation since 2001

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Atom Bank

Is Atom Bank ethical?

Atom Bank has been researched and ranked in The Good Shopping Guide’s Ethical Mortgages Ratings Table and receives a low score. Although our ethical requirements have not yet been met by this company, we hope that in the future, it will make the necessary adjustments to operate as a more ethical business.

More information on the ethical issues faced by the sector, may be found in The Good Shopping Guide’s article on Ethical Mortgages. You can also use our Ethical Mortgages Ratings Table to compare Atom Bank to other mortgage providers.

What does Atom Bank do?

Atom Bank was the UK’s first first digital challenger bank in the UK, operating entirely online without any branches. The company was founded in 2013 and is based in Durham, England, and offers mortgages, as well as banking services.

For which criteria does Atom Bank score poorly? 

Unfortunately, Atom bank only receives a middle rating in the Environmental Report category, as its sustainability information is insufficient for a top rating.

Atom Bank also attained a middle rating for Carbon Disclosure and Reduction Targets, as although it discloses some of its carbon emissions, it has not yet published its Scope 3 data.

In what areas does Atom Bank score well for its ethics?

Atom Bank receives a top rating in the Irresponsible Lending and Other Criticisms categories, as the company was not found to have any links to unethical investment practices or any other controversial business activities.

How can Atom Bank improve its ethical rating?

The ethical rating of a Finance brand is divided into three categories by The Good Shopping Guide: the Environment, People and Other. Find out more about how we rate.

In order to achieve a better GSG score, Atom Bank should refer to our methodology and work on the areas where it has not received a top rating. Firstly, we recommend that Atom Bank begins calculating and publishing its Scope 3 carbon emissions.

If you’re interested in learning more about achieving Ethical Accreditation for your brand, please contact us or complete a Free Initial Assessment form.

Ethical performance in category


GSG score


GSG category benchmark


Ethical Rating


  • Environmental Report


  • Environmental Destruction


  • Carbon Disclosure & Reduction Targets



  • Irresponsible Lending


  • Political Donations



  • Ethical Accreditation


  • Responsible Investment Policy


  • Mutual Status


  • Other Criticisms


= GSG Top Rating = GSG Middle Rating = GSG Bottom Rating