The accounts, cards, and tools you need to manage money on your terms.
A zero-fee current account built for modern life — instant transfers, bill payments, and real-time alerts on every transaction.
Earn up to 5.2% APY — 13 times the national average — with no lock-in, no minimums, and no conditions.
Built for students and young adults getting started. No minimums, no complexity — just the tools you actually need.
Accounts, credit, and treasury tools designed around how businesses actually operate.
A full-featured account for SMEs — with expense tracking, invoicing, and multi-currency support built in.
End-to-end banking for larger enterprises — payroll automation, trade finance, and a dedicated relationship manager.
Free for the first 12 months. Built for founders who move fast — API access, virtual cards, and a credit line that scales with you.
Automate salary payments to unlimited employees across multiple banks with one click.
Generate, send, and track invoices. Accept payments by card, SEPA transfer, or iDEAL.
Send and receive foreign currency payments. Access Letters of Credit and import financing.
Sharp rates, fast decisions, and terms that flex around your circumstances.
| Loan Type | Min Amount | Max Amount | APR From | Term | Decision | |
|---|---|---|---|---|---|---|
Personal Loan |
€1,000 | €50,000 | 9.5% | 6 – 60 mo | 2 Hours | Apply → |
Home Mortgage |
€50,000 | €500,000 | 7.5% | 5 – 25 yrs | 3 – 5 Days | Apply → |
Auto Loan |
€5,000 | €100,000 | 8.9% | 12 – 84 mo | Same Day | Apply → |
Business Loan |
€10,000 | €2,000,000 | 12.5% | 6 – 60 mo | 24 – 48 hrs | Apply → |
Payday / Salary Advance |
€200 | €5,000 | 3.5%/mo | 1 – 30 days | Instant | Apply → |
* Rates shown are representative. Your actual rate depends on creditworthiness and loan terms. Subject to approval.
Put your money to work with rates that consistently beat the market.
5.2%
APY · No Lock-in
Flexible savings with daily interest accrual. Withdraw anytime.
Open Now7.8%
APY · 6-12 Month Lock
Lock in a higher rate. Best for structured savings goals.
Open Now6.0%
APY · Goal-Based
Set a savings target, automate deposits, and reach your goal faster.
Open Now9.5%
P.A. · Govt Backed
Invest in low-risk, government-backed securities with guaranteed returns.
Invest NowCashback, lounge access, concierge service — pick the level that fits how you spend.
XXXX XXXX XXXX XXXX
Card Holder
YOUR NAME
Expires
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/ year
XXXX XXXX XXXX XXXX
Card Holder
YOUR NAME
Expires
MM / YY
/ year
XXXX XXXX XXXX XXXX
Card Holder
YOUR NAME
Expires
MM / YY
/ year
Full control over your money — from your phone, browser, or API.
Biometric login, instant transfers, card controls, loan management, and AI spending insights — everything in one clean app.
Integrate Atmos Credit's payment infrastructure directly into your product via our secure, well-documented REST API.
Instant alerts for every transaction, bill, repayment, and anomaly — nothing happens to your money without you knowing.
Automatic spend categorisation, pattern recognition, and tailored suggestions that actually help you save more.
No internet? No problem. Access your account, transfer funds, check balances, and repay loans with iDEAL or bank transfer from any device.
Reach a real human any time via live chat, phone, or email. Average response time under 2 minutes for urgent issues. No bots, no runaround.
No paperwork, no branch visit. Open an account, apply for a loan, or explore our full product range — from wherever you are.