Mortgage Brokers Financial Advisors

Welcome to Sparkle Trust Consolidated Bank

SAVINGS.

MORTGAGES.

BUSINESS LOANS.

Mobile app screenshots

WE'RE RANKED #1 BEST IN BANK

See our 16,825 reviews on Trustpilot

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Protected
98%

of our customers

would buy again

Read 17,464 reviews

Meet our simple and speedy products

Are you saving, buying a home or growing your business? We've got what you're looking for. Our products are a breeze to open and incredibly easy to use. Plus, we don't fork out on expensive branches, so we can deliver better rates for you.

Savings

Save up to 4.75% AER with our savings products

Whether you need easy access to your money with an Instant Saver or you're in it for the long haul with a Fixed Saver, you'll find an account to suit your needs.

Mortgages

Fast, uncomplicated and competitive mortgages

We offer simple mortgages that provide competitive value through our network of independent brokers. Once your application is in, you can easily track it every step of the way in our app.

Commercial mortgages

Fixed and variable rate commercial mortgages up to 75% LTV

We're supporting UK SMEs to grow with our business loan products. Our range includes fixed and variable business loans, as well as loans offered through the Growth Guarantee Scheme (GGS).

Why Sparkle Trust Consolidated Bank?

We are a digital bank and we are here to make banking easier, faster and better value with our products, services and in-app experience.

Savings and lending products that just work

Simple, competitive products designed to help you achieve your financial goals.

An app to make life easier

• View transactions
• Withdraw my money
• View connected account
• Create a statement

Keeping you safe and secure

Your security is our top priority with advanced protection for your accounts.

Time to explore the app?

If you like what you see, then check out our app. Secure a great rate for your savings or simply and securely manage your mortgage.

App screenshot

Scan me!

QR Code

1 Scan the QR code with the camera on your device.

2 Use the link to open up the App Store or Google Play.

3 Use Install to get the Atom bank app.

Already on your mobile or tablet?

Use the App Store or Google Play buttons to download!

Looking to finance your business?

Head over to our business loans page for more details. When you're ready, you can then speak to a broker about your application.

Our story

Office photo

Sparkle Trust Consolidated Bank was founded in 2014 to make things better by offering customers better and fairer banking. We were awarded our banking licence in 2015, then officially launched in 2016. We've gone from strength to strength since, growing to a large team of talented people headquartered in sunny Durham. Our app-based savings accounts and mortgages have helped thousands of customers achieve their financial goals, which has led to us being ranked number 1 in Trustpilot's Best in Bank category.

What do our customers say?

Read the live, unfiltered reviews from our customers

Invited

Excellent customer service

Very easy to use app with great customer service. Would highly recommend.

Invited

I like how easy it is to set up

Very straightforward process and excellent rates. The app is intuitive and simple to use.

Invited

I opened a savings account

The process was quick and easy. Great interest rates and excellent customer service.

Invited

Very easy saving

Very easy saving, good rate of interest and excellent customer service when needed.