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
No hidden charges so far, everything is stated clearly beforehand.
@P***9Super smooth user journey, even my mom can use it easily.
@S***GThe merchant discounts are actually usable and save me money.
@E***RReally helps when you need to buy essentials before payday.
@R***oVery neat application process with minimal documents required online.
@G***FCustomer service responded quickly when I had questions about payment.
@G***sEasy linking with my e-wallets, making repayment super smooth.
@M***CApp security feels premium, login with FaceID is very quick.
@E***rThis app makes shopping less heavy on the pocket monthly.
@i***HThe app does not lag and notifications are very helpful.
@C***GPerfect for purchasing appliances without draining my savings account.
@B***SBest BNPL app in the Philippines market right now hands down.
@N***MThe approval process was fast and the terms are transparent.
@J***zI always use this for buying electronic gadgets on installment.
@M***yConsistent updates make the app feel very safe and modern.
@T***o