# Atome PH - Buy Now Pay Later — Card, Cash Loan & Savings > Philippines buy now, pay later app for shopping, loans, savings, and bill payments. (iPhone/iPad app by NEURONCREDIT FINANCING COMPANY INC..) - Source: https://appshunter.io/ios/app/atome-ph-buy-now-pay-later/id1577294865 (this page in markdown: same URL + `.md`) - Developer: [NEURONCREDIT FINANCING COMPANY INC.](https://appshunter.io/developer/1625313626) - Category: Shopping, Finance - Price: Free - Rating: 4.90/5 from 108 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 203 MB - Languages: American English, Indonesian, Japanese, Malay, Thai, Chinese (Traditional, Hong Kong SAR China), Vietnamese - Released: 2026-09-17 - Data updated: 2026-09-18 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/atome-ph-buy-now-pay-later/id1577294865/reviews.md ## What is Atome PH? Your favorite buy now, pay later app is now an all-in-one financial solution for shopping, saving, loans, and bill payments in the Philippines. - Shop smarter: Scan to pay with QR Ph and enjoy flexible 3- or 6-month installments with the Atome Card, plus 0% interest on monthly purchases. - Access cash instantly: Atome Cash for fast, low-interest loans for daily needs. - Pay bills easily: A one-stop bill payment feature where you can pay utility bills such as water, electricity, mobile, postpaid, and even internet or broadband through trusted partners. - Grow your wealth: With Atome Savings at 3.25%* p.a. interest daily. *Rates may adjust based on Netbank policies. 【 Atome Card 】 1. Flexible payment and installment options - Stretch your budget and pay later at 0% interest. Enjoy installment plans of up to 6 months. 2. Easy application - Apply in minutes—no paperwork needed. 3. Convenient for your needs - Shop with up to a ₱200,000 spending limit. 4. Pay later anywhere that accepts Mastercard - Use your physical or virtual Atome Card to shop online on Lazada, Shopee, Grab, and more. - Tap-to-pay in stores and even overseas. - Also compatible with apps like BillEase (via GrabPay), Home Credit, and TendoPay via Bayad and PayMongo. 5. Pay bills easily - Square up your monthly essentials in one place. Atome now supports water, electricity, internet, and mobile bill payments through major providers, including Maynilad, Manila Water, PrimeWater, Meralco, Globe One, Smart, Converge, and more. 6. Settle your monthly card bills - Pay using credit/debit card, InstaPay via bank apps such as BPI, UnionBank, or e-wallets like GCash and Maya. 【 Atome Savings 】 Atome Card users can open a secure savings account built for everyday growth. - Earn up to 3.25% p.a. interest, credited daily - No minimum balance, no lock-in period, and zero fees - Deposits are protected with PDIC insurance coverage up to ₱1M 【 Atome Cash 】 Access fast, reliable cash loans when you need them most. - Borrow up to ₱55,000 - Quick approval and seamless disbursement - Repay in up to 12 months with low 1.75% monthly interest - Simple requirements: valid ID, Atome account, and a bank account (BPI, UnionBank, etc.) Download the Atome app today for a savvier lifestyle! ATOME CARD APPLICATION ELIGIBILITY - Valid PH ID - At least 18 years old - No minimum income - No paperwork required HOW TO APPLY 1. Download the Atome app and open the Card tab 2. Tap “Apply for free” 3. Fill in personal info and upload your ID 4. Get approved in 1–2 days 5. Receive your Atome Card via mail HOW TO SHOP 1. Activate your card in-app 2. Use virtual card online 3. Use physical card online and in-store ATOME CARD INSTALLMENT PLANS: - Monthly interest rates as low as 2% - Annual Percentage Rate (APR) ranging from 0%-46 % - No service charges - Installment plans are available in 3 or 6 mos. Example total loan cost: - Total monthly bill: ₱2,000 - Bill amount: ₱2,000 - Repayment term: 3 months - Monthly interest rate: 2% (₱40) - Total payment: ₱2,120 at ₱706.67/month ATOME CASH LOAN TERMS: - Monthly interest rates as low as 1.75% - Annual Percentage Rate (APR) not more than 36% - No service charges - Installment plans for up to 12 mos. Example total loan cost: - Total loan amount: ₱3,000 - Repayment term: 6 mos. - Monthly interest rate: 1.75% (₱52.50) - Total payment: ₱3,052.50 at ₱508.75/month Business Name: Atome PH Corporate Name: Neuroncredit Financing Company Inc. SEC Registration Number: CS201816338 Certificate of Authority No.: 1178 Bangko Sentral ng Pilipinas OPS Registration No.: OPSCOR-2021-0040 Connect with us via: Web: https://www.atome.ph/atome-card https://www.atome.ph/atome-cash https://www.atome.ph/atome-savings Help Center: support@atome.ph https://help.atome.ph/hc/en-gb/categories/4439682039065-Atome-Card Social media: https://web.facebook.com/atomecardph https://www.instagram.com/atome.ph/ ## Key features - 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 ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/atome-ph-buy-now-pay-later/id1577294865/reviews.md ### 5/5 — Great option for buyers! *2022-10-03* So far it exceeded my expectations. Easy to use, great discounts and smooth transactions. 👍🏻👍🏻👍🏻👍🏻👍🏻 ## Frequently asked questions about Atome PH ### 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. ## Version history (last 5 releases) ### 2.174.0 — 2026-09-17 【 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. ### 2.173.0 — 2026-09-03 【 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. ### 2.172.0 — 2026-08-27 【 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. ### 2.171.0 — 2026-08-21 【 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. ### 2.170.0 — 2026-07-28 【 New: Atome Card Cashback! 】Earn up to ₱6,000 cashback and more rewards. Successfully refer Atome Card to friends and family and receive a reward for every application step they accomplish. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-18.*