Pay bills
Settle bills and reloads easily with one mobile app
Time to own it
One app. Complete financial freedom.
Everything you need to manage money smarter
Powerful tools that simplify your life
QR PH
Quickly scan QR codes and pay seamlessly anytime, anywhere
Insurance
Stay protected with plans designed for your lifestyle
Protected by
industry-leading security
Multi-layer encryption
Bank-grade encryption that secures every transaction.
Smart fraud detection
AI-powered monitoring that catches suspicious activity in real time.
Biometric login
Your face and fingerprint are the only keys to your money.
24/7 support
A real human is always one tap away when you need help.
Built for wherever you are in life
Start with Atome Card
For smarter everyday spending.
Build with Atome Savings
For goals worth working toward.
Bridge with Atome Cash
For when life needs a hand up.
FAQ
Blog
The merchant discounts are actually usable and save me money.
@E***RThe iOS widget and dark mode support look absolutely amazing.
@M***1Fast registration, got my credit line approved within ten minutes.
@J***SPerfect alternative to traditional credit cards for young professionals.
@D***oThe app does not lag and notifications are very helpful.
@C***GNo hidden charges so far, everything is stated clearly beforehand.
@P***9Very convenient to use for split payments when shopping online.
@M***sVery reliable app, never experienced any downtime during checkout process.
@P***LVery neat application process with minimal documents required online.
@G***FBest BNPL app in the Philippines market right now hands down.
@N***MI always use this for buying electronic gadgets on installment.
@M***ySuper smooth user journey, even my mom can use it easily.
@S***GThe approval process was fast and the terms are transparent.
@J***zLove the user interface, it is very clean and simple.
@A***MTransparent schedule of payments helps me track my upcoming bills.
@A***P