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, loans, and bill payments. Enjoy flexible installment plans for purchases, instant cash loans, easy bill settlement, 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
2.178.0
October 29, 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
How does Atome PH help with shopping?
Atome PH allows you to shop smarter by offering flexible 3 or 6-month installment plans with 0% interest on monthly purchases. You can use the Atome Card online and in-store at merchants that accept Mastercard.
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. These loans have a low 1.75% monthly interest and can be repaid in up to 12 months.
What bill payments does Atome PH support?
Atome PH provides a one-stop bill payment feature for essential utilities such as water, electricity, mobile, postpaid, and internet/broadband from major providers like Meralco, Globe, and Smart.
How can I earn interest with Atome PH?
Atome PH offers Atome Savings, where users can open a secure savings account and earn up to 3.25% p.a. interest, credited daily. There are no minimum balance requirements, lock-in periods, or fees.
What are the requirements to apply for an Atome Card?
To apply for an Atome Card, you need a valid PH ID, be at least 18 years old, and have no minimum income requirement. The application process requires no paperwork and can be completed in minutes.
What is the spending limit for the Atome Card?
The Atome Card offers a convenient spending limit of up to ₱200,000, allowing you to stretch your budget and make purchases with flexible payment options.
Are my savings protected with Atome Savings?
Yes, deposits in Atome Savings are protected with PDIC insurance coverage up to ₱1 million, ensuring the security of your funds.
How often is Atome PH updated?
The latest version of Atome PH is 2.178.0, and it was last updated on October 29, 2026. This indicates regular updates to improve functionality and security.
