We present a pan-chromatic analysis of an unprecedented sample of 1402 250 mu m selected galaxies at z = 0.24) from the Herschel-ATLAS survey. We complement our Herschel 100-500 mu m data with UV-K-band photometry from the Galaxy And Mass Assembly (GAMA) survey and apply the magphys energy-balance technique to produce pan-chromatic spectral energy distributions (SEDs) for a representative sample of 250 mu m selected galaxies spanning the most recent 5 Gyr of cosmic history. We derive estimates of physical parameters, including star formation rates, stellar masses, dust masses and infrared (IR) luminosities. The typical H-ATLAS galaxy at z