Great option for buyers!
So far it exceeded my expectations. Easy to use, great discounts and smooth transactions. 👍🏻👍🏻👍🏻👍🏻👍🏻
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About
This app offers a comprehensive financial solution for shopping, saving, and loans in the Philippines. Enjoy flexible installment plans for purchases, instant cash loans, easy bill payments, and daily interest on savings.
✓Flexible 3- or 6-month installments
✓0% interest on monthly purchases
✓Instant cash loans up to ₱55,000
✓One-stop bill payment for utilities
✓Savings account with 3.25% p.a. interest
✓Atome Card for online and in-store payments
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What's New in Atome PH
2.174.0
September 17, 2026
【 New: Atome Card Cashback! 】 Earn up to ₱7,800 cashback and more rewards. Successfully refer Atome Card to friends and family and receive a reward for every application step they accomplish.
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FAQ
What is Atome PH?
Atome PH is a financial app that allows users to shop using flexible installment plans, access cash loans, pay bills, and grow their savings. It aims to provide an all-in-one financial solution for users in the Philippines.
How do Atome PH installment plans work?
You can shop and pay later with flexible installment options, typically in 3 or 6 months, often with 0% interest on monthly purchases. The Atome Card can be used for these plans.
Can I get a cash loan with Atome PH?
Yes, Atome PH offers Atome Cash, providing fast and reliable cash loans of up to ₱55,000 with a low 1.75% monthly interest. Repayment can be made in up to 12 months.
Does Atome PH offer savings accounts?
Yes, Atome PH features Atome Savings, where users can earn up to 3.25% p.a. interest credited daily. There are no minimum balance requirements, lock-in periods, or fees, and deposits are PDIC insured up to ₱1M.
How can I pay bills using Atome PH?
Atome PH provides a one-stop bill payment feature for utilities like water, electricity, mobile, and internet. You can pay through trusted partners and major providers.
What are the eligibility requirements for the Atome Card?
To apply for the Atome Card, you need a valid PH ID, be at least 18 years old, and have no minimum income requirement. No paperwork is needed for the application.
Is Atome PH safe to use?
Atome PH is designed with security in mind, offering features like PDIC insurance for savings and secure payment processing. The app is rated 4.9 stars, indicating positive user sentiment regarding its reliability and features.
What devices does Atome PH support?
Atome PH is available for iPhone and iPod devices. The latest version is 2.174.0, and it was last updated on September 17, 2026.