PAIDLATE by YORXEN public-record company checks
← New check

Their own payment-practices filing · gov.uk

Atom Bank PLC pays suppliers in 19 days on average — inside its 30-day stated terms

CRN 08632552 · Financial services · 14 statutory reports on record · period to 31 Mar 2026

19daysavg time to pay · H1 2026

Their H1 2026 filing puts the average 11 days inside their stated 30-day term.

Faster than mostvs a 31-day median across 6,104 recent filers
Their stated terms
30 days
Paid outside agreed terms
39% of invoices
Paid after 61+ days
3%
Reporting period
1 Oct 2025 – 31 Mar 2026
Source
their gov.uk filing, filed 27 Apr 2026

Self-reported figures from their statutory filing. How this is compiled.

Terms vs reality · their H1 2026 filing

Paid 11 days inside the 30-day term they state

The pattern · last 6 of 14 reports

25 → 19 days — getting faster

The read · computed from their figures

Atom Bank PLC's H1 2026 filing puts their average at 19 days against stated terms of 30 days; 39% of invoices were paid outside agreed terms and 3% took 61 days or longer. Filed 27 Apr 2026.

The direction is faster: from 25 days in H2 2023 to 19 now — 6 days faster across their last 6 reports.

On the latest reported averages: Faster than 64% of the 638 large companies reporting in financial services.

That is 14 statutory periods on record (earliest H2 2019) — a historical record, not a promise for a new invoice.

What they tell their suppliers

1% of invoices in dispute

In their own words · from the filing

Standard payment terms

30 days from date of receipt of a valid invoice

Dispute resolution

For general PO or payment queries, e-mail should be sent to [email protected] or a message to the ask-accounts slack channel. In the first instance the supplier relationship manager will contact the supplier with the intention of arriving at a satisfactory resolution. Payment is withheld during the period of dispute, with the supplier being notified of this fact. Where more significant disputes occur, these are resolved in accordance with the process outlined in the individual supplier contracts.

Every statutory report on record

Most recent first.

PeriodAvg daysOutside terms61+ daysFiled
H1 20261939%3%27 Apr 2026
H2 20252740%3%30 Oct 2025
H1 20253032%6%28 Apr 2025
H2 20242923%8%16 Oct 2024
H1 20242525%6%29 Apr 2024
H2 20232526%4%18 Oct 2023
H1 20232226%4%27 Apr 2023
H2 20222927%9%27 Oct 2022
H1 20221724%5%28 Apr 2022
H2 20212442%7%28 Oct 2021
H1 20212034%5%26 Apr 2021
H2 20201738%6%29 Oct 2020
H1 20201314%3%30 Apr 2020
H2 20191327%3%16 Oct 2019

On the public register · Companies House

Company record

Status
Active
Type
Public Limited Company
Incorporated
31 Jul 2013
Registered office
THE PATTERN SHOP, NEWCASTLE UPON TYNE, NE1 3PD
3 outstanding charges — secured borrowing registered Accounts due 30 Sept 2027

Open the full record at Companies House.

Quick answers · Atom Bank PLC

Are they getting slower or faster?
Their reported average has moved about 6 days faster over the window (25 → 19 days).
What's their typical pay point?
Their latest filed report puts the average at day 19; across their last 6 reports it ranged 19–30 days. Treat that as a historical reference point, not a promise for a new invoice.
Can I see what this means for my invoices?
Run the live check — it re-reads their record and their live Companies House file, on the amount you invoice.
Share

Stay ahead

Watch Atom Bank PLC (free)

Their next payment report is due ≈ 27 Oct 2026. We watch their public record and email you when something changes — a new payment report, late filings, insolvency markers, new charges.

You’ll get a confirmation email first. Unsubscribe any time. How we handle your address.

More large companies in financial services

Assura PLC · Attestor Limited · Aspect Capital Limited · Audley Group Limited · Ashmore Group PLC · Automobile Association Insurance Services Limited

How UK payment reporting works

What is a Payment Practices Report?
UK companies and LLPs above a size threshold — broadly, two of: turnover over £54m, balance sheet over £27m, or more than 250 employees — must report twice a year, under the Reporting on Payment Practices and Performance Regulations 2017, how quickly they actually pay suppliers: the average time to pay, the share of invoices paid in 30 days or fewer, 31 to 60 days and 61 days or longer, and their standard payment terms. Those thresholds apply to financial years beginning on or after 6 April 2025; for earlier financial years they were £36m and £18m, with the same 250-employee test.
What does "paid outside agreed terms" mean?
The share of invoices paid later than the terms in the supplier contract. If terms are 30 days and an invoice is paid on day 45, it counts as paid outside terms, regardless of the headline average.
How often is this data updated?
Each report covers a six-month period and must be filed within 30 days of that period ending, so a company's record refreshes roughly twice a year. PaidLate re-reads the register as new reports are filed.
Is this official government data?
The underlying payment figures come from the company's own statutory filings on the gov.uk payment-practices service; company-status data comes from Companies House. PaidLate calculates trends, comparisons and summaries from those records. It does not use surveys or credit-agency scores.

How this is compiled. Built from official records only: Companies House and the gov.uk payment-practices service. The payment figures are self-reported — companies over the size threshold must file them by law and the board signs them off. No credit-agency data. The numbers are theirs; the plain-English read is ours. This is information compiled from public records under the Open Government Licence v3.0 — not a credit rating and not advice.

The 31-day comparison figure is the median across 6,104 companies with a current statutory report — every sector pooled, not an average of sector medians (how the figure is built).

Report PL-08632552 · latest period to 31 Mar 2026

Verify the original Companies House file

Built by YORXEN LTD · registered in England & Wales · CRN 17303256 · privacy · terms.