Atmos Credit delivers trusted loans, flexible savings, and smart business banking built to power your financial future from day one.
Portfolio Balance
€84,250.00
€84,250.00
Loan Disbursement
Today, 9:00 AM
+€25,000.00
Savings Interest
Yesterday
+€312.50
Card Payment
Dec 12, 2024
-€540.00
Your loans, savings, cards, and investments — all visible, all live. Atmos gives you the clarity to act on your money with confidence.
Track your score, understand your repayment patterns, and get tailored recommendations that actually move the needle.
Submit your application in minutes. Our engine verifies, decides, and disburses — funds in your account in as little as 2 hours.
Watch your savings compound, track every repayment, and see your net worth update in real time — across every account you hold.
Sharp rates, flexible structures, and decisions you can count on — for every financial milestone.
From 9.5% APR
Up to €50,000, fully unsecured, with funds in your account within 2 hours of approval.
From 7.5% APR
Up to €500,000 in home financing, with fixed and variable rate options and terms up to 25 years.
From 8.9% APR
New or used — finance up to €100,000 with same-day decisions and terms up to 7 years.
From 12.5% APR
Up to €2M in business credit for working capital, expansion, or acquisition — with a dedicated advisor beside you.
From zero-fee everyday banking to bespoke wealth services — a tier built for where you are now and where you're headed.
Zero-fee everyday banking with tools that help you track, save, and grow.
Everything a growing business needs — accounts, payroll, invoicing, and a manager who knows your goals.
Private advisory, bespoke credit, and global treasury access for those with complex financial needs.
Run the numbers before you commit. Indicative rates from 9.5% APR — no sign-up required.
We operate with institutional-grade infrastructure and strict regulatory oversight — your money is protected around the clock.
Regulated by the Dutch Central Bank under full DNB licensing. Every deposit protected by law.
Every transaction and data point is shielded with AES-256 encryption and biometric authentication.
Our AI engine watches every transaction around the clock, surfacing anomalies before they become problems.
We exceed all KYC, AML, and global compliance requirements — setting the standard, not just meeting it.
Thousands of individuals and businesses have built their financial futures here. A few of their stories.
"My business loan was approved in under 3 hours — rate and all. I used the capital to open a second location and doubled revenue within six months. No other lender came close."
Lars van Dijk
SME Owner, Amsterdam
"I moved my savings to Atmos and immediately started earning 12 times more than my old bank. The app is clean, the process was instant, and I haven't looked back since."
Sophie de Boer
Medical Professional, Utrecht
"My Premier Wealth advisor restructured my entire debt portfolio and saved me tens of thousands in interest. They reach out to me — I never have to chase them."
Thomas Mulder
Corporate Executive, Rotterdam
Quick answers on accounts, loans, and how Atmos Credit works.
Fully digital, under 10 minutes. Click Open an Account, upload your ID, complete a quick selfie check, and you're banking.
Personal loan decisions typically take 30 minutes. Once approved, funds reach your account in as little as 2 hours on business days.
None. Personal accounts carry zero maintenance fees. Our full fee schedule is published openly — what you see in the app is exactly what you pay.
We evaluate applications holistically. A stronger score helps, but our AI engine weighs income, transaction history, and account behaviour — giving many applicants a fair outcome regardless of score.
Yes, and we encourage it. No prepayment penalties on most personal and auto loans. Paying early saves you interest and strengthens your credit standing with us.
All deposits are held with tier-1 insured institutions and covered under EU DGS deposit protection. Your funds are safe up to the insured limit — full stop.
Over 200,000 members already bank, borrow, and grow with Atmos Credit. Getting started takes under 10 minutes.