
<p>Saving money is only for people who earn six-figure incomes, right?</p>



<p>Wrong.</p>



<p>That belief is one of the biggest reasons many Filipinos don’t even try to save. But saving doesn’t have to be intimidating. In fact, building a savings habit can make you more confident about handling today’s expenses and preparing for the future.</p>



<p>According to the <a href="https://www.sunlife.com/content/dam/sunlife/regional/global-marketing/documents/com/financial-resilience-report-2025.pdf" target="_blank" rel="noreferrer noopener nofollow">Sun Life Financial Resilience Index (2025)</a>, almost every Filipino reports that rising prices have made it harder to <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/save-money/page/1">save money</a>, causing them to focus instead on daily <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/budgeting/page/1">budgeting</a>. However, it isn&#8217;t entirely hopeless; the same study shows that Filipinos who actively save report feeling more financially secure, even if they set aside small amounts.</p>



<p>So if you’ve ever told yourself that saving is out of reach, you might just be believing one of the myths below. Let&#8217;s bust them.</p>



<h2 class="wp-block-heading">3 Myths about Savings</h2>



<p>There are plenty of myths and beliefs surrounding the habit of saving or building a savings account. Below are just a few of the most common ones.</p>



<h3 class="wp-block-heading">1. &#8220;I need a huge income to get started.&#8221;</h3>



<p><strong>The truth:</strong> You can start with any amount if you&#8217;re saving in the right place.</p>



<p>In the World Bank&#8217;s report,<em> <a href="https://www.worldbank.org/en/publication/globalfindex" target="_blank" rel="noreferrer noopener nofollow">The Global Findex 2025</a></em>, they found that only about half of Filipino adults even have a financial account. But the good news is, digital platforms have made it easier than ever to begin. Take Atome Savings, for example. It doesn&#8217;t require a minimum deposit; you can start as small as ₱50 or ₱100 a week and watch it build up over time.</p>



<h3 class="wp-block-heading">2. &#8220;Savings accounts don&#8217;t grow money.&#8221;</h3>



<p><strong>The truth</strong>: There may actually be some truth to this; other <a href="https://www.atome.ph/blog/savings-types-philippines">savings account types</a> may only offer interest that isn&#8217;t enough to keep up with inflation. But most digital savings accounts have higher interest rates than most traditional savings accounts. As a bonus, some are able to pay you back the interest daily, meaning you can literally see your money increase every morning.</p>



<p>Here&#8217;s an example to put this in perspective.</p>



<p>Suppose you have ₱5,000 in your Atome Savings account earning 3.25% interest per year, paid out daily. On the first day, your balance grows just a few centavos to about ₱5,000.44. A week later, it’s ₱5,003.08. After a month, you’re at ₱5,013.36.</p>



<p>It might not feel like much at first, but that’s the power of daily growth: the longer you leave your money, the more those small gains stack up. Six months later, your ₱5,000 turns into ₱5,081.07, and by the end of the year, it reaches ₱5,164.74—without you lifting a finger. That’s money working quietly for you in the background, while you focus on everything else in life.</p>



<h3 class="wp-block-heading">3. &#8220;Savings means I have to sacrifice my lifestyle.&#8221;</h3>



<p><strong>The truth</strong>: Saving is about finding the right balance between your future goals and current needs.</p>



<p>For a long time, the mindset around saving was all about sacrifice. That could include cutting out the little joys in life just to set money aside. But today, saving doesn’t have to feel like punishment. With digital savings tools, you can still enjoy your daily treats while building a cushion for the future. The new way of looking at it is simple: you don’t have to choose between living well now and being prepared later. You can do both.</p>



<h2 class="wp-block-heading">Why You Should Consider Atome Savings</h2>



<p><a href="https://www.atome.ph/atome-savings">Atome Savings</a> is one of the easiest ways to get started in building your savings. Much like the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>, you can apply in a minute, all on your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a>. No lines. No paperwork. Once you&#8217;ve opened your account (which has instant approval, by the way), you can enjoy benefits like:</p>



<ul class="wp-block-list">
<li>A higher chance of getting approved for an <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card (if you&#8217;ve been rejected and want to apply for another one)</li>



<li>3.25%* p.a. Interest, paid back to you every day</li>



<li>0 repayment fees on your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card or <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">Atome Cash</a> bills</li>



<li>No minimum deposit or lock-in period. That means you can withdraw your money anytime</li>
</ul>



<h2 class="wp-block-heading">Discover the Ease of Saving</h2>



<p>At the end of the day, the biggest barrier to saving is often not our income but our mindset. Believing myths like “I need to earn more first” or “saving means giving up what I enjoy” only delays the financial security you deserve. The truth is, you can start small, grow steadily, and still live the life you want. This is especially true with modern digital savings accounts built for today&#8217;s <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/lifestyle/page/1">lifestyle</a>.</p>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">Savings</a> is designed to help you build that habit with zero pressure: no minimum deposit, daily interest, and the freedom to access your money anytime. It’s savings made simple, flexible, and rewarding.</p>



<p>Ready to get started? Scan the QR code on this page to download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> and apply for your Atome Savings account today. Your future self will thank you.</p>
<div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-twitter-3883"
				class="share-twitter sd-button share-icon"
				href="https://blog.atome.ph/shopping/savings-myths/?share=twitter"
				target="_blank"
				aria-labelledby="sharing-twitter-3883"
				>
				<span id="sharing-twitter-3883" hidden>Click to share on X (Opens in new window)</span>
				<span>X</span>
			</a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-facebook-3883"
				class="share-facebook sd-button share-icon"
				href="https://blog.atome.ph/shopping/savings-myths/?share=facebook"
				target="_blank"
				aria-labelledby="sharing-facebook-3883"
				>
				<span id="sharing-facebook-3883" hidden>Click to share on Facebook (Opens in new window)</span>
				<span>Facebook</span>
			</a></li><li class="share-end"></li></ul></div></div></div>

3 Myths About Savings in the Philippines Debunked


<p><em>(From left: Jefferson Chen, CEO, Atome Financial; Chris Quiros, Country General Manager, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome Philippines</a>; Angelo Madrid, President, Maya Bank; Manu Panda, COO, Maya Bank)</em></p>



<p><a href="https://www.atome.ph/">Atome</a>, Southeast Asia&#8217;s leading digital finance platform<strong>, </strong>and Philippine digital banking leader Maya Bank have entered a ₱2.75 billion (US$48M) <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">loan</a> channeling partnership in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a> to expand access to credit for millions of Filipinos.</p>



<p><strong>Christian Quiros, President &amp; Country General Manager, Atome Philippines said</strong>, ”We are deeply honored to partner with Maya Bank, a true trailblazer in digital banking. Together, we are expanding access to responsible, risk-managed, and transparent flexible <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> options that make more products and services truly ‘Available-To-Me’ for millions of Filipinos. Since Day One, Atome’s mission has been to improve lives through greater financial access and technology, and this partnership with Maya Bank is a significant step forward in that journey in the Philippines.”</p>



<p>Maya Bank will power this loan channeling initiative, providing creditworthy Filipinos with greater access to responsible financing. As the licensed digital bank within the Maya ecosystem, Maya Bank anchors the country’s most extensive digital fintech platform—combining payments, savings, credit, and deposits in one ecosystem for both consumers and enterprises.</p>



<p><em>“</em>We are delighted to work with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> in expanding credit access for more Filipinos. This collaboration leverages digital technology to bring fast, secure, and responsible financing into the hands of underserved customers, helping them build financial confidence and long-term resilience,” said <strong>Angelo Madrid, Maya Bank President</strong>, as he emphasized the impact of the partnership.</p>



<p>Started in Singapore in late 2019, Atome is Southeast Asia’s leading digital finance platform, and has expanded from being the region’s largest embedded financing provider to also offer cards, lending, insurance and savings products. In 2024, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> processed over US$2 billion in Gross Merchandise Volume (GMV) across the region. Powered by merchant partnerships and growing consumer adoption, annualised GMV surpassed US$4 billion in June 2025, with strong momentum heading into the year-end holiday season. In the Philippines alone, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> has served over 4 million <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Buy Now</a>, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Pay Later</a> customers.”</p>



<p>Launched in 2022, Maya Bank powers the digital banking experience of consumers and enterprises across the Maya family of products, including Maya all-in-one app, Maya Business, and Maya Center. As the #1 digital bank in the Philippines, it is transforming how money works for Filipino consumers and MSMEs, through innovative and relevant financial services, including <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a>, deposits, and credit via Maya.</p>



<p>This initiative between Maya Bank and Atome represents another milestone in building a more inclusive financial ecosystem in the Philippines, setting a strong foundation for responsible, technology-driven financial empowerment.<br></p>



<p></p>



<p><strong>About Atome</strong></p>



<p><a href="https://www.atome.ph/">Atome</a> is Southeast Asia&#8217;s leading digital finance platform and has expanded from being the region&#8217;s largest embedded financing provider to also offer insurance, savings, cards and lending services. Atome is part of Singapore-headquartered<a href="https://www.advancegroup.com/"> Advance Intelligence Group</a>, which is backed by top tier investors SoftBank Vision Fund 2, Warburg Pincus, Northstar, and Singapore-based global investor EDBI.</p>



<p><strong>About Maya Bank</strong></p>



<p>Maya Bank, Inc. (Maya Bank) powers the digital banking experience of consumers and enterprises across the Maya family of products, including Maya all-in-one app, Maya Business, and Maya Center. As a pioneering digital bank, it is transforming how money works for Filipino consumers and MSMEs, through innovative and relevant financial services, including savings, deposits, and credit via Maya.</p>



<p>Maya Bank is a digital bank supervised by the Bangko Sentral Ng Pilipinas (BSP). Deposits are insured by the Philippine Deposit Insurance Corporation (PDIC) up to ₱1 million per depositor. For more information, visit<a href="http://www.mayabank.ph/"> <strong>www.mayabank.ph</strong></a></p>
<div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-twitter-3875"
				class="share-twitter sd-button share-icon"
				href="https://blog.atome.ph/news/maya-bank-atome-forge-%e2%82%b12-75b-loan-channeling-partnership-to-expand-access-to-credit-in-the-philippines/?share=twitter"
				target="_blank"
				aria-labelledby="sharing-twitter-3875"
				>
				<span id="sharing-twitter-3875" hidden>Click to share on X (Opens in new window)</span>
				<span>X</span>
			</a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-facebook-3875"
				class="share-facebook sd-button share-icon"
				href="https://blog.atome.ph/news/maya-bank-atome-forge-%e2%82%b12-75b-loan-channeling-partnership-to-expand-access-to-credit-in-the-philippines/?share=facebook"
				target="_blank"
				aria-labelledby="sharing-facebook-3875"
				>
				<span id="sharing-facebook-3875" hidden>Click to share on Facebook (Opens in new window)</span>
				<span>Facebook</span>
			</a></li><li class="share-end"></li></ul></div></div></div>

Maya Bank, Atome Forge ₱2.75B Loan Channeling Partnership to Expand Access to Credit in the Philippines


<p>As <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">Savings</a> rolls out to more users, it has gotten many people wondering, &#8220;How to open Atome Savings?&#8221; This <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/blog">blog</a> answers that question. The good news is that it&#8217;s just like the <a href="https://www.atome.ph/atome-card">Atome Card</a> application: no paperwork, no long lines. You can open your account directly from the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>.</p>



<p>All you need is a stable internet connection and 5 minutes of your day. Read along to learn how you can open your <a href="https://www.atome.ph/atome-savings">Atome Savings</a> account in just a few simple steps.</p>



<h2 class="wp-block-heading">How to Open Your Atome Savings</h2>



<p>Creating your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Savings account is as simple as ordering your favorite milk tea. Just follow these quick steps:</p>



<ol start="1" class="wp-block-list">
<li><strong>Open your Atome app. </strong>Make sure you&#8217;re on the latest version of the Atome app to receive the current updates.</li>



<li><strong>Tap Savings</strong> on the home screen.</li>



<li><strong>Tap Apply</strong> to start the application process.</li>



<li><strong>Follow the on-screen instructions. </strong>It&#8217;s a simple process that will ask for personal details, such as place of birth, to confirm your identity.</li>



<li><strong>Submit and activate your account</strong>. Once you&#8217;ve completed the application, there&#8217;s one last step you need to finish: That&#8217;s to activate your account. You can access this process directly after submitting your application. While activating your account, they&#8217;ll ask more security questions for further confirmation.</li>



<li><strong>Begin <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/how-it-works">using Atome</a> Savings! </strong>Once you&#8217;ve activated your account, you can deposit and withdraw any amount you want. You&#8217;ll have your own account number, which you can use for easier deposits.</li>
</ol>



<h2 class="wp-block-heading">Common Application Issues to Avoid</h2>



<p>While approval may be easy, there might still be points during the application process that could cause Atome to ask you to reapply. Here are a few of the most common issues you&#8217;d want to avoid while applying.</p>



<h3 class="wp-block-heading">Application taking too long</h3>



<p>Sometimes the process may feel stuck. This is often a <strong>network issue</strong>. Before starting, make sure you’re connected to a strong and stable signal or Wi-Fi. That way, your application goes through smoothly without interruptions.</p>



<h3 class="wp-block-heading">Invalid details</h3>



<p>Double-check that the details you provide (e.g., your name, birthday, ID number) match exactly what&#8217;s on your valid ID. Even small types can cause delays in verifying your account.</p>



<h2 class="wp-block-heading">Begin Saving with Atome Savings</h2>



<p>Saving doesn’t have to be complicated or intimidating. You can start building your financial future in just a few taps on your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a>, with no minimum deposit or lock-in period. So whether you&#8217;re setting aside money for emergencies, like floods, or planning your next big savings goal, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Savings is here to make that even easier for you.</p>



<p>Ready to begin? Just scan the QR code on your screen to download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> and open your Atome Savings account today.</p>



<p></p>
<div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-twitter-3871"
				class="share-twitter sd-button share-icon"
				href="https://blog.atome.ph/advice/how-to-open-atome-savings/?share=twitter"
				target="_blank"
				aria-labelledby="sharing-twitter-3871"
				>
				<span id="sharing-twitter-3871" hidden>Click to share on X (Opens in new window)</span>
				<span>X</span>
			</a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-facebook-3871"
				class="share-facebook sd-button share-icon"
				href="https://blog.atome.ph/advice/how-to-open-atome-savings/?share=facebook"
				target="_blank"
				aria-labelledby="sharing-facebook-3871"
				>
				<span id="sharing-facebook-3871" hidden>Click to share on Facebook (Opens in new window)</span>
				<span>Facebook</span>
			</a></li><li class="share-end"></li></ul></div></div></div>

How to Open an Atome Savings Account


<p><a href="https://www.advancegroup.com/business-units/atome-financial">Atome Financial</a>, Southeast Asia’s leading digital financial services platform – comprising Atome’s Buy-Now-Pay-Later (BNPL), <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> and Kredit Pintar – today announced record audited results for the year ended 31 December 2024, achieving both strong growth and profitability.<br><br>Operating income rose 63% year-on-year to <strong>US$236 million</strong>, while recording&nbsp; full-year profitability. This performance reflects the company’s disciplined execution, operational efficiency, and ability to scale responsibly in a challenging macroeconomic environment.</p>



<p>Atome processed over US$2 billion in Gross Merchandise Volume (GMV) in 2024, up 50% year-on-year, driven by strong merchant partnerships and expanding consumer adoption.<br><br>This growth continues to accelerate. At end Q2 (April-June) 2025, <strong>annualised net revenue surpassed US$500M</strong>, driven by annualised GMV crossing US$4 billion.<br><br>Key performance drivers include:<br><br>a) <strong>Product diversification:</strong> Expansion of insurance, savings, cards, and lending offerings. In the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a>, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome PayLater</a> Anywhere Card adoption accelerated, with the total number of cards issued crossing 1.5 million as of June 2025.<br><br>b) <strong>Operational excellence</strong>: Streamlined processes, strong core business focus, and rapid deployment of Generative AI to enhance customer service, collections, and credit underwriting.<br><br>c) <strong>Robust capital support</strong>: Strengthened funding base from global and regional institutional partners, including <a href="https://www.advancegroup.com/media/356">BlackRock, EvolutionX, Innoven Capital</a>, <a href="https://www.advancegroup.com/media/366">CLSA’s Lending Ark</a>, and an <a href="https://www.advancegroup.com/media/348">expanded syndicated credit facility</a> led by HSBC with participation from DBS, SMBC, and Baiduri Bank.</p>



<p>“Atome Financial’s record performance in 2024 and 1H2025 reaffirms the strength of our “wallet” platform and our ability to grow sustainably while delivering real value to consumers and partners. Since Day One, our mission has been to improve lives through greater financial access and technology. With a profitable <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">BNPL</a> business, a growing Atome Card franchise and broadening funding partnerships, we are well-positioned to shape the next phase of financial inclusion in Southeast Asia,” said Jefferson Chen, CEO of <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Financial.<br><br><strong>About Atome Financial <br></strong><a href="https://www.advancegroup.com/business-units/atome-financial">Atome Financial</a> is Southeast Asia’s leading digital finance platform. It comprises <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>, the region’s largest embedded financing provider that also offers cards, insurance, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a> and lending, and Kredit Pintar.<em> </em><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Financial&#8217;s market leadership is backed by institutional funding partners including Standard Chartered, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/hsbc/page/1">HSBC</a>, Bank Jago, DBS Bank, SMBC, BlackRock, Evolution X Capital, InnoVen Capital and many others. Atome Financial is part of Singapore-headquartered Advance Intelligence Group, which is backed by top tier investors SoftBank Vision Fund 2, Warburg Pincus, Northstar, and Singapore-based global investor EDBI.</p>
<div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-twitter-3860"
				class="share-twitter sd-button share-icon"
				href="https://blog.atome.ph/news/atome-financial-posts-record-us236m-operating-income-marks-full-year-profit-in-2024/?share=twitter"
				target="_blank"
				aria-labelledby="sharing-twitter-3860"
				>
				<span id="sharing-twitter-3860" hidden>Click to share on X (Opens in new window)</span>
				<span>X</span>
			</a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-facebook-3860"
				class="share-facebook sd-button share-icon"
				href="https://blog.atome.ph/news/atome-financial-posts-record-us236m-operating-income-marks-full-year-profit-in-2024/?share=facebook"
				target="_blank"
				aria-labelledby="sharing-facebook-3860"
				>
				<span id="sharing-facebook-3860" hidden>Click to share on Facebook (Opens in new window)</span>
				<span>Facebook</span>
			</a></li><li class="share-end"></li></ul></div></div></div>

Atome Financial posts record US$236M operating income, marks full-year profit in 2024


<p>Ever wondered which savings option will actually make your money grow in the Philippines?</p>



<p>Many consider owning a savings account to already be a big step in securing their financial future.  As <a href="https://businessmirror.com.ph/2025/07/21/the-unfulfilled-promise-of-financial-inclusion-a-decade-of-progress-yet-millions-left-behind/?utm_source=chatgpt.com#:~:text=Many%20Filipinos%20also%20lack%20the%20necessary%20documentation%20to%20open%20a%20financial%20account%2C%20and%20some%20perceive%20financial%20institutions%20as%20too%20far%20away%20or%20untrustworthy." target="_blank" rel="noreferrer noopener nofollow">BusinessMirror</a> mentions, some Filipinos hold the perception that financial institutions are a little out of their reach or untrustworthy. But as the modern financial sector of the country evolves, more and more financial institutions have made it easier for the Every Filipino to access the services they need.</p>



<p>If you&#8217;re looking to open a savings account, it helps to understand the different types. No two are exactly alike. We hope to clear things up for you in this article.</p>



<h2 class="wp-block-heading"><strong>3 Common Savings Types in the Philippines</strong></h2>



<p>Most people don&#8217;t realize that there are a few ways you can save your money. Here are three of the most common in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a>.</p>



<h3 class="wp-block-heading">1. <strong>Savings Accounts</strong></h3>



<ol start="1" class="wp-block-list"></ol>



<p>Now, this is the most common type. We&#8217;re sure we all started our financial independence journey here, whether it was a passbook account our parents made or an app-based account from a digital financial app.</p>



<p>A traditional savings account lets you deposit money safely and withdraw it anytime. It’s liquid, simple, and easy to manage. Now that there&#8217;s more digital financial services, you have a dizzying number of options to choose from.  The difference between traditional and digital savings often lies in their interest rates: </p>



<p><strong>Traditional banks</strong> often offer <strong>0.125%–0.55% p.a</strong>. You may have heard modern financial advisors discouraging putting your money in these kinds of accounts because interest barely keeps up with inflation. </p>



<p><strong>Digital financial services</strong> can offer interest rates that <strong><em>begin </em>at around 3%.</strong> Right there, you&#8217;ll see how digital solutions can help you with your savings goals. Not only that, but online savings in this way are often easily accessible, so you can withdraw your money at any time.</p>



<p><strong>Best for:</strong> Emergency funds and day-to-day <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a></p>



<blockquote class="wp-block-quote is-style-default has-border-color has-background has-small-font-size is-layout-flow wp-container-core-quote-is-layout-791cda3a wp-block-quote-is-layout-flow" style="border-color:#cbdc35;border-width:1px;border-radius:7px;background-color:#efff5e4d;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)">
<p style="font-size:24px"><strong>Related article:</strong> <a href="https://www.atome.ph/blog/what-is-atome-savings">What is Atome Savings?</a> </p>
</blockquote>



<h3 class="wp-block-heading">2. <strong>Time Deposits</strong></h3>



<ol start="2" class="wp-block-list"></ol>



<p>Where a savings account can be easily accessible, time deposits are the complete opposite. You deposit your money and see it again later—way later. It could be 30 days or even 5 years. The interest rate scales with the time; longer tenor, higher returns.</p>



<p>Why would you want this? A popular reason is its predictability. The other reason could also be its main drawback: your money will be inaccessible for a period of time. While that could be helpful to stop, say, dipping into your savings for impulse buys, that also means you&#8217;ll have to rely on other sources for unexpected expenses. These accounts also tend to have early withdrawal fees that affect your interest and returns.</p>



<p>Some digital banks also offer time deposits that can reach 7% or higher, depending on limited-time promotions. That said, these would still require you to leave your money inaccessible until it matures or you decide on an early withdrawal. </p>



<p><strong>Best for:</strong> People with extra funds they won’t need soon and who want the security of fixed returns.</p>



<h3 class="wp-block-heading">3. <strong>Pag-IBIG MP2</strong></h3>



<ol start="3" class="wp-block-list"></ol>



<p>The <a href="https://www.pagibigfund.gov.ph/member_savings_mp2.html" target="_blank" rel="noreferrer noopener nofollow">Pag-IBIG Fund&#8217;s MP2 program</a> is a voluntary <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a> program for Pag-IBIG members to grow their savings over a long period of time. It&#8217;s government-backed, meaning the risks are low. The program&#8217;s returns have also historically beaten bank rates, with 2024&#8217;s return rate reaching 7.10%.</p>



<p>When you sign up for the program, you have the option to receive your dividends annually or let them compound til maturity. The catch is that withdrawing before it&#8217;s matured can return your returns.</p>



<p><strong>Best for:</strong> Long-term savers seeking higher yields without venturing into high-risk investments.</p>



<figure class="wp-block-table"><table class="has-fixed-layout"><tbody><tr><td><strong>Account Type</strong></td><td><strong>Interest range</strong></td><td><strong>Liquidity</strong></td><td><strong>Best for</strong></td></tr><tr><td>Traditional savings account</td><td>0.125%–0.55% p.a.</td><td>Very liquid</td><td rowspan="2">Emergency funds and day-to-day transactions</td></tr><tr><td>Digital savings account</td><td>Begins at 3%</td><td>Very liquid</td></tr><tr><td>Time deposit</td><td>0.125% &#8211; 7.5%</td><td>Not very liquid</td><td>People with extra funds they won’t need soon and who want the security of fixed returns.</td></tr><tr><td>Pag-IBIG MP2</td><td>As of 2024, 7.10%. This increases yearly</td><td>Not very liquid</td><td>Long-term savers seeking higher yields without venturing into high-risk investments.</td></tr></tbody></table></figure>



<h2 class="wp-block-heading"><strong>What to Consider When Choosing Savings Accounts</strong></h2>



<p>When you&#8217;re considering different savings accounts, there&#8217;s no one better than the other; each savings type has strengths and weaknesses. It all depends on your lifestyle and the financial future you&#8217;re building for yourself. That said, here are a few factors you should consider before depositing any amount of money.</p>



<h3 class="wp-block-heading"><strong>Yield vs. Flexibility</strong></h3>



<p>Savings accounts are unbeatable when it comes to flexibility. You can deposit and withdraw at any time without penalties. That&#8217;s why plenty of people choose it to store their emergency funds or money they may need at short notice.</p>



<p>The trade-off? Yield<strong>.</strong> Many traditional savings accounts barely earn enough to offset inflation, meaning your money’s buying power might shrink over time. That&#8217;s where digital-first savings products come in. They aim to bridge the gap by offering higher interest without sacrificing access.</p>



<h3 class="wp-block-heading"><strong>Risk vs. Security</strong></h3>



<p>The <a href="https://www.pdic.gov.ph/files/ccd/PR-011-25.pdf" target="_blank" rel="noreferrer noopener nofollow">Philippine Deposit Insurance Corporation (PDIC)</a> recently raised its coverage to <strong>₱1,000,000. </strong>That means that if—knock on wood—something bad happens to the bank or you encounter a fraud attempt, your deposits are protected up to that limit.</p>



<p>This safety net is why savings accounts are considered low-risk. But because the risk is low, the returns are also modest compared to investments like stocks or mutual funds. For many people, this trade-off is worth it, especially for money they can’t afford to lose.</p>



<p>Is there a way to earn higher interest <em>without </em>losing flexibility? Yes. What you may be looking for is Atome Savings.</p>



<h2 class="wp-block-heading"><strong>Why Choose Atome Savings</strong></h2>



<p>Out of all the available savings accounts that you can apply for, here are a few reasons why you should consider Atome Savings:</p>



<ol start="1" class="wp-block-list">
<li><strong>Competitive yield of 3.25% p.a. Interest*, paid daily.</strong> You can literally see your money grow every morning.</li>



<li><strong>No lock-in and minimum deposit. </strong>You can withdraw at any time, without penalties. It&#8217;s great for both planned and unplanned expenses.</li>



<li><strong>Zero fees on your Atome Card and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">Cash</a> repayments.</strong> You won&#8217;t have to deal with any processing or transfer fees if you&#8217;re an avid Atome Card or <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">Atome Cash</a> user already. Just use the money stashed in your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Savings account to pay in one go. No fluff at all.</li>



<li><strong>Easy application.</strong> There are no additional documents that you need. You can apply directly through the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>, just like you would to apply for your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card.</li>
</ol>



<h2 class="wp-block-heading"><strong>Find the Savings Type that Suits You</strong></h2>



<p>Although the list above might not have covered every single savings type available on the market, at the end of the day the biggest takeaway is this: the best savings type is the one that fits your financial goals and your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/lifestyle/page/1">lifestyle</a>. If you’re building a nest egg you can’t touch for years, the MP2 or a time deposit may suit you.</p>



<p>You can also quickly realize that your money <em>can </em>work for you if you put it in the right place. For a smart and accessible place to start, you might want to try <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Savings. Don&#8217;t miss out on the chance to grow your savings daily and repay your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> easier: just scan the QR code on screen to download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> and sign up for Atome Savings.</p>
<div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-twitter-3853"
				class="share-twitter sd-button share-icon"
				href="https://blog.atome.ph/advice/savings-types-philippines/?share=twitter"
				target="_blank"
				aria-labelledby="sharing-twitter-3853"
				>
				<span id="sharing-twitter-3853" hidden>Click to share on X (Opens in new window)</span>
				<span>X</span>
			</a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-facebook-3853"
				class="share-facebook sd-button share-icon"
				href="https://blog.atome.ph/advice/savings-types-philippines/?share=facebook"
				target="_blank"
				aria-labelledby="sharing-facebook-3853"
				>
				<span id="sharing-facebook-3853" hidden>Click to share on Facebook (Opens in new window)</span>
				<span>Facebook</span>
			</a></li><li class="share-end"></li></ul></div></div></div>

Types of Savings in the Philippines and How to Choose Which is For You


<p>Roughly <a href="https://www.bworldonline.com/banking-finance/2025/07/17/685617/only-50-of-filipino-adults-have-financial-accounts-world-bank/?utm_source=chatgpt.com#:~:text=53.6%25%20of%20Filipino%20respondents%20said%20they%20saved%20formally%20and%20informally%20in%20the%20past%20year%2C%20with%2023.9%25%20of%20them%20saving%20formally%20using%20a%20financial%20account" target="_blank" rel="noreferrer noopener nofollow">53.6% of Filipinos</a> reported regularly saving money, whether formally or informally, from 2024 to 2025. That number represents a growing trend of Filipinos being even more financially savvy than the previous generations. To make saving easier and more rewarding, Atome has recently launched a new and exciting product: <a href="https://www.atome.ph/atome-savings">Atome Savings.</a></p>



<p>This <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/blog">blog</a> explains what is Atome Savings, its benefits, and why you should consider opening an account.</p>



<h2 class="wp-block-heading">What is Atome Savings?</h2>



<p>Atome Savings is a flexible, high-interest savings account built right into the Atome app. It lets you earn <strong>3.25% per annum</strong>, credited daily, with <strong>no minimum deposit, no lock-in period, and zero fees</strong> for Atome Card and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">Cash</a> <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> payments.</p>



<p>Your funds are <strong>PDIC-insured up to ₱1,000,000</strong>, so you can save confidently while keeping your money accessible anytime. Whether you’re starting with just a few pesos or building a large emergency fund, it&#8217;s now much easier to grow your money every day.</p>



<h2 class="wp-block-heading"><strong>4 Key Benefits of Atome Savings vs. Other Accounts</strong></h2>



<p>There&#8217;s no question about the<a href="https://www.atome.ph/blog/importance-of-savings" target="_blank" rel="noreferrer noopener"> importance of savings</a>. But with all the financial products out there, it&#8217;s easy to feel overwhelmed about which is best for you; not all savings accounts are created equal.</p>



<p>Here&#8217;s why Atome Savings stands out:</p>



<h3 class="wp-block-heading">1. <strong>3.25% p.a. Interest, paid daily</strong></h3>



<ol start="1" class="wp-block-list"></ol>



<p>Earn <strong>3.25% per annum</strong>, calculated daily and credited every night. That means you can see your money grow in real time. Unlike other financial services that pay interest monthly, you can enjoy the satisfaction of seeing your balance earn interest every day.</p>



<h3 class="wp-block-heading">2. <strong>No lock in, no minimum deposit</strong></h3>



<ol start="2" class="wp-block-list"></ol>



<p>You can start saving any amount, whether it&#8217;s ₱50 or ₱5,000. Although everyone has their own financial journey, the starting point isn&#8217;t always the same. That&#8217;s why having no minimum deposit can be such a great benefit to both younger and older generations. No penalties. No restrictions.</p>



<p>Traditional savings accounts often require you to maintain a minimum balance or lock in your money for months before you can access it. But with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>&#8217;s new product, you get to withdraw your money at any time you want. An item in your cart you&#8217;ve been saving for suddenly goes on the midnight sale? Your money is right there for you.</p>



<h3 class="wp-block-heading"><strong>3. Zero fees for Atome Card and Cash Bill Payments</strong></h3>



<ol start="3" class="wp-block-list"></ol>



<p>Already got your <a href="https://www.atome.ph/atome-card" target="_blank" rel="noreferrer noopener">Atome Card</a>? You&#8217;ll love this.</p>



<p>Use your Atome <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">Savings</a> balance to pay your Atome Card or <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">Atome Cash</a> bills with <strong>zero fees</strong>. That means you won&#8217;t ever have to deal with transfer or processing fees, which, let&#8217;s face it, are still additional expenses that you&#8217;d still need to consider. With your money saved,  you can seamlessly stay on top of your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">Cash</a> bills, all in one single app.</p>



<p>If you don&#8217;t already have an <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>, opening an Atome Savings account can actually boost your chances of getting approved.</p>



<h3 class="wp-block-heading">4. <strong>Tight security</strong></h3>



<ol start="4" class="wp-block-list"></ol>



<p>Your funds are protected, with deposits insured by the PDIC up to ₱1,000,000. This ensures that your money is safe even in the unlikely event of a banking issue. Additionally, your account is managed by <a href="https://netbank.ph/" target="_blank" rel="noreferrer noopener nofollow">Netbank</a> under a white-label partnership. All of this ensures that you can rest easy knowing that your money is stored well.</p>



<h2 class="wp-block-heading"><strong>How to Get Started </strong></h2>



<p>It&#8217;s as simple and straightforward as applying for an Atome Card. Below are all the steps you&#8217;d have to follow. No handwritten forms or waiting in line for your number to be called.</p>



<ol start="1" class="wp-block-list">
<li><strong>Download the Atome app</strong> from the App Store or Google Play.</li>



<li><strong>Sign up or log in</strong> to your Atome account.</li>



<li><strong>Open your Atome Savings account</strong> directly in the app.</li>



<li><strong>Deposit any amount</strong> and start earning daily interest instantly.</li>
</ol>



<h2 class="wp-block-heading"><strong>Frequently Asked Questions about Atome Savings</strong></h2>



<h3 class="wp-block-heading">What is the minimum deposit for Atome Savings?</h3>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Savings has no minimum deposit. You can start with any amount you choose, even as little as ₱1.</p>



<h3 class="wp-block-heading">How do I withdraw from Atome Savings?</h3>



<p>Visit Atome Savings on your Atome app, then tap <strong>Transfer </strong>to choose where you&#8217;d want to withdraw your money to. This feature will always be available, so you can withdraw at any time of the day through the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>.</p>



<h3 class="wp-block-heading">What is the interest rate of Atome Savings?</h3>



<p>You’ll earn <strong>3.25% p.a. </strong>Interest, paid daily. That said, your earnings will still be subject to the standard 20% withholding tax. The rate may also adjust according to Netbank&#8217;s policies and market conditions.</p>



<h2 class="wp-block-heading">Kickstart Your Savings Journey</h2>



<p>Saving isn’t just about setting money aside. The truth is that it&#8217;s about expanding options for yourself, building resilience, and feeling in control. </p>



<p>With Atome Savings, you get high interest, total flexibility, zero fees, and PDIC-backed security. Whether you’re saving for an emergency fund, your next gadget, or a dream vacation, every peso works harder for you.</p>



<p>Download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> today to get started!</p>
<div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-twitter-3848"
				class="share-twitter sd-button share-icon"
				href="https://blog.atome.ph/advice/what-is-atome-savings/?share=twitter"
				target="_blank"
				aria-labelledby="sharing-twitter-3848"
				>
				<span id="sharing-twitter-3848" hidden>Click to share on X (Opens in new window)</span>
				<span>X</span>
			</a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-facebook-3848"
				class="share-facebook sd-button share-icon"
				href="https://blog.atome.ph/advice/what-is-atome-savings/?share=facebook"
				target="_blank"
				aria-labelledby="sharing-facebook-3848"
				>
				<span id="sharing-facebook-3848" hidden>Click to share on Facebook (Opens in new window)</span>
				<span>Facebook</span>
			</a></li><li class="share-end"></li></ul></div></div></div>

What is Atome Savings?


<p>In a world that moves fast and never slows down, we all need tools that keep up with us. Whether you&#8217;re ordering your third coffee of the day, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> for groceries after work, or booking a last-minute trip, one thing is constant: you want payments to be simple, secure, and seamless. That’s where the Physical Atome Card comes in. It’s not just a card: it’s your financial sidekick, ready when you are.</p>



<h2 class="wp-block-heading">3 advantages of a physical Atome Card</h2>



<p>Want a physical Atome Card? Below are a few benefits you might not be aware of.</p>



<h3 class="wp-block-heading">1. Enjoy cashless payments</h3>



<ol start="1" class="wp-block-list"></ol>



<p>No one likes counting coins in line or rushing to the ATM before a date. With the Physical Atome Card, all that hassle? <em>Gone.</em> Just tap, swipe, or insert. Whether you&#8217;re buying lunch at your go-to carinderia or scoring weekend sale deals at the mall, you can pay with a quick flick of the wrist. It feels good. Feels efficient. Feels like you&#8217;re living in the future.</p>



<h3 class="wp-block-heading">2. It&#8217;s international-trip ready</h3>



<ol start="2" class="wp-block-list"></ol>



<p>Remember your last trip abroad? Maybe it was a beach escape or a hustle-filled business trip. Either way, money matters always sneak into the adventure. Currency conversions. ATM withdrawals. Hidden fees. Stress. But with the physical Atome Card, you&#8217;re covered—literally across borders. You can pay in-store and online wherever <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/mastercard/page/1">Mastercard</a> is accepted, so your wallet travels lighter. Focus on making memories. We&#8217;ll handle the money part.</p>



<h3 class="wp-block-heading">3. Free doorstep delivery</h3>



<ol start="3" class="wp-block-list"></ol>



<p>Gone are the days of lining up at branches or filling out forms that feel like a school exam. Once approved, your physical <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> is delivered straight to your doorstep. And the best part? It’s completely free. Absolutely delivery charges. Just a sleek card, landing right in your hands, ready to go.</p>



<h2 class="wp-block-heading">Get to know your physical Atome Card</h2>



<p>Decided to get your very own physical card? Here&#8217;s what you need to know:</p>



<h3 class="wp-block-heading">Your choice of color</h3>



<p>This isn’t just any card. It’s <em>your</em> card. Choose from colors that match your mood, your vibe, or your aesthetic. Whether you’re a fan of bold hues or clean minimalism, there’s a shade for you. Make your wallet pop—or keep it cool and classy.</p>



<h3 class="wp-block-heading">Unique card details</h3>



<p>The physical <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card comes with everything you need to shop online and offline. That means a unique card number, expiration date, and CVV for secure <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a>. It&#8217;s just like any major card you know, except it’s simpler, more flexible, and made for people who don’t want the usual banking headache.</p>



<h3 class="wp-block-heading">10-day delivery</h3>



<p>Speed matters. Especially when you’ve got plans to shop, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/travel/page/1">travel</a>, or surprise someone special. That’s why your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card arrives within 10 business days after approval. Quick, safe, and straight to your door. No chasing. No waiting for weeks.</p>



<h2 class="wp-block-heading">How to use your physical Atome Card responsibly</h2>



<p>Getting a physical Atome Card opens doors. But with that freedom comes a bit of responsibility. The key is to stay in control. Use the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> to monitor your spending in real time. Plan your expenses. Know your limits. And remember: you can split your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> into 3 or 6 monthly payments. Pay within 40 days and you won’t even pay interest. That’s 0%. Just use the card wisely, and it works <em>for</em> you, not against you.</p>



<h2 class="wp-block-heading">Tips for being a physical Atome Card holder</h2>



<ul class="wp-block-list">
<li>Activate your card as soon as it arrives via the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>.</li>



<li>Keep your card details private. Treat it like your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a>: Don’t hand it to just anyone.</li>



<li>Use the app to stay updated on your spending. It’s your command center.</li>



<li>Turn on spending alerts. They’re like gentle nudges to stay on track.</li>



<li>Know your billing cycle. It helps you plan, avoid surprises, and stay financially chill.</li>
</ul>



<h2 class="wp-block-heading">Take it to the Real World</h2>



<p>The physical <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card isn’t just plastic. It’s the power to spend smarter. To move freely. To say yes to your goals without breaking the bank. Whether you’re out grabbing milk or booking a weekend getaway, your card is right there with you. Apply today your way, on your terms.</p>
<div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-twitter-3836"
				class="share-twitter sd-button share-icon"
				href="https://blog.atome.ph/advice/physical-atome-card/?share=twitter"
				target="_blank"
				aria-labelledby="sharing-twitter-3836"
				>
				<span id="sharing-twitter-3836" hidden>Click to share on X (Opens in new window)</span>
				<span>X</span>
			</a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-facebook-3836"
				class="share-facebook sd-button share-icon"
				href="https://blog.atome.ph/advice/physical-atome-card/?share=facebook"
				target="_blank"
				aria-labelledby="sharing-facebook-3836"
				>
				<span id="sharing-facebook-3836" hidden>Click to share on Facebook (Opens in new window)</span>
				<span>Facebook</span>
			</a></li><li class="share-end"></li></ul></div></div></div>

Physical Atome Card: The Ultimate Guide


<p>When was the last time you changed your password?</p>



<p>If you’re like most people, it’s probably been a while. Here’s the thing: in 2024, weak passwords were behind <strong>36% of all account hacks</strong> across the Asia Pacific, according to <a href="https://sumsub.com/guides-reports/apac-identity-fraud-report-2024/" target="_blank" rel="noreferrer noopener nofollow">Sumsub&#8217;s recent Identity Fraud report</a>. That&#8217;s roughly one in every three cases, highlighting how common it is.</p>



<p>That means your coffee shop loyalty app, your online <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> accounts, and even your e-wallet could all be easy targets for potential fraudsters.</p>



<p>In today’s world where everything happens online, a simple password isn’t just risky—it could cost you your hard-earned money, your privacy, and a lot of headaches you didn’t sign up for.</p>



<p>The good news? Keeping your digital life secure doesn’t have to be complicated. Small changes can make a big difference; it all starts with leveling up your password game. This article breaks down the mistakes to avoid; how to build unbreakable, strong passwords; and how to stay one step ahead of hackers without needing a degree in cybersecurity.</p>



<h2 class="wp-block-heading">Why a Good Password is Your First Line of Defense</h2>



<p>Today&#8217;s scammers aren&#8217;t just targeting banks or big companies anymore. Instead, many are after everyday people like yourself.</p>



<p>Hackers who&#8217;ve cracked your password can easily scour your highly valuable profiles, like your <a href="https://www.atome.ph/blog/online-shopping-security" target="_blank" rel="noreferrer noopener">shopping accounts</a> Lazada or Shopee account where you&#8217;ve linked your Atome Card. They could change settings and drain your money quickly.</p>



<p>This isn&#8217;t meant to scare you. Instead, it&#8217;s to help you realize that password security is always worth considering; it isn&#8217;t something to set and forget. It&#8217;s worth spending a few minutes to think of a secure and unbreakable password when it inevitably comes time to change. Those few minutes will save you hours of headaches down the line.</p>



<h2 class="wp-block-heading">4 Mistakes to Avoid for a Good Password</h2>



<p>Most people don’t realize just how easy they make it for hackers to break in through passwords. Here are the biggest password mistakes you need to avoid (or might already be making) and how to fix them.</p>



<h3 class="wp-block-heading">1. Using one word, rather than a phrase</h3>



<ol start="1" class="wp-block-list"></ol>



<p>Single-word passwords are too straightforward and can easily be guessed if the hacker does their research about you. Instead of using something simple like &#8220;sunflower,&#8221; try a full phrase—something only you would think of.</p>



<p>Example: &#8220;CoffeeAt6AMIsLife!&#8221; or &#8220;MangoRiceIsSuperior99&#8221;</p>



<p>Longer = stronger.</p>



<h3 class="wp-block-heading">2. No variations in character</h3>



<ol start="2" class="wp-block-list"></ol>



<p>Numbers, punctuation marks, and symbols turn dictionary words into an even more complicated string of characters that can easily deter most scammers from breaking into your account. Try sprinkling a few capital letters, numbers, and symbols to really catch scammers off guard with your personal security.</p>



<p>Example: &#8220;B3ach$unset_Tour&#8221;</p>



<p>The weirder it looks, the harder it is to crack.</p>



<h3 class="wp-block-heading">3. Using common words or phrases</h3>



<ol start="3" class="wp-block-list"></ol>



<p>Sure, picking something easy to remember — like &#8220;password123&#8221; or &#8220;iloveyou&#8221; — feels convenient. But here&#8217;s the reality:<strong> common words and phrases are the first thing hackers test</strong> when trying to break into your accounts.</p>



<p>Cybercriminals today don’t sit around guessing manually. Instead, they use automated programs that can test millions of common passwords per second.</p>



<p>If your password sounds like something that could appear on a T-<a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/shirt/page/1">shirt</a>, a greeting card, or a meme&#8230; it&#8217;s probably too easy to crack.</p>



<h3 class="wp-block-heading">4. Neglecting two-factor authorization (2FA)</h3>



<ol start="4" class="wp-block-list"></ol>



<p>As the name suggests, 2FA adds a layer of protection for your account. This typically includes biometric authentication, such as Apple&#8217;s Face ID regular fingerprint verification, or the use of one-time passwords (OTPs). Enable this layer of authentication as much as possible, so the strength of your security doesn&#8217;t rely entirely on your password.</p>



<h2 class="wp-block-heading"><strong>The Real Cost of a Weak Password</strong></h2>



<p>If you’re using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card to split your bills into easy installments, you’re already being smart about your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>. Pair it with smart password habits, and you’ll keep your financial future (and your peace of mind) even more secure, whether you&#8217;re using your <a href="https://www.atome.ph/blog/atome-card-internationally" target="_blank" rel="noreferrer noopener">Atome Card to shop internationally</a> or at your favorite local eCommerce.</p>



<p>Across the Asia Pacific, users lost <strong>millions </strong>to identity fraud in 2024 alone—and most of those cases started with something simple, like a guessed password or a successful <a href="https://www.atome.ph/blog/phishing-tactics-to-avoid" target="_blank" rel="noreferrer noopener">phishing attempt</a>.</p>



<p>Sumsub reported that the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a> even saw a <strong>2.77% rise</strong> in fraud cases — proof that no one is really &#8220;too small&#8221; to be a target anymore.</p>



<p><strong>Here&#8217;s what could happen if your password is weak:</strong></p>



<ul class="wp-block-list">
<li>Money stolen from your e-wallet or digital bank</li>



<li>Unauthorized purchases using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card or other <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">paylater</a> services</li>



<li>Hackers opening loans or credit lines under your name</li>



<li>Long, stressful disputes just to recover your accounts</li>



<li>Damage to your credit standing — and your financial future</li>
</ul>



<p><strong>All because of one password.</strong> That&#8217;s why securing your digital life is just as important as making smart spending choices — like using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> to manage your purchases wisely and safely.</p>



<h2 class="wp-block-heading">Avoid Weak Passwords to Start Protecting Your Account Today</h2>



<p>Your password is more than just a login. It’s your first line of defense.</p>



<p>In a world where scams, deepfakes, and digital fraud are getting smarter, protecting your personal data is no longer optional. It’s part of being financially smart and digitally empowered.</p>



<p>And that’s exactly what we believe at Atome. If you&#8217;ve experienced an unauthorized transaction on your account, you can contact us by heading to the Me tab in your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>, and then tapping Contact Us under the Support subheading.</p>



<p>When you make smarter money moves, like using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card to split big payments safely or protecting your account with strong passwords, you’re not just spending wisely. You’re owning your future.</p>
<div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-twitter-3822"
				class="share-twitter sd-button share-icon"
				href="https://blog.atome.ph/advice/weak-password-tips/?share=twitter"
				target="_blank"
				aria-labelledby="sharing-twitter-3822"
				>
				<span id="sharing-twitter-3822" hidden>Click to share on X (Opens in new window)</span>
				<span>X</span>
			</a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-facebook-3822"
				class="share-facebook sd-button share-icon"
				href="https://blog.atome.ph/advice/weak-password-tips/?share=facebook"
				target="_blank"
				aria-labelledby="sharing-facebook-3822"
				>
				<span id="sharing-facebook-3822" hidden>Click to share on Facebook (Opens in new window)</span>
				<span>Facebook</span>
			</a></li><li class="share-end"></li></ul></div></div></div>

Is Your Password Weak? Here’s Why It Costs You


<p>More Filipinos are leaving their wallets at home. No, this isn&#8217;t an epidemic of forgetfulness. Cold hard <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a>? That might be a thing of the past.</p>



<p>Digital wallets, tap-to-pay, <a href="https://www.atome.ph/blog/what-is-a-pay-later-card">paylater cards</a>, and QR Ph transactions are emerging payment methods pushing cash further into extinction. Even the Bangko Sentral ng Pilipinas (BSP) aims for cashless payments to become the norm, recently mentioning that they&#8217;re eyeing the country to become a &#8220;<a href="https://business.inquirer.net/501621/bsp-eyes-ph-shift-to-coin-lite-society" target="_blank" rel="noreferrer noopener nofollow">coin lite society.</a>&#8220;</p>



<p>Why the rush? How have cashless payments developed such hype? The answers may be more relevant to you than you realize. As more Filipinos ride the wave of changing <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> methods, let&#8217;s explore the key reasons why so many are drawn to cashless payments.</p>



<h2 class="wp-block-heading">5 Reasons Why Filipinos are Embracing Cashless Payments</h2>



<p>Cashless payments aren’t just a trend, it’s a practical response to modern consumer needs. Here are some of the biggest reasons why Filipinos are switching to cashless transactions:</p>



<h3 class="wp-block-heading"><strong>It&#8217;s more convenient</strong></h3>



<p>Let&#8217;s face it: Loose change can get pretty heavy. Coins in pockets jangle and often announce your presence, probably more than you&#8217;d like.</p>



<p>Whether you’re shopping online, paying for a ride, or splitting the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> at dinner, cashless transactions make everything faster and easier. Digital wallets and tap-to-pay cards, like the Atome Card, make the process much easier. No more last-minute ATM withdrawals or worry about carrying out the exact change!</p>



<h3 class="wp-block-heading"><strong>It&#8217;s more secure</strong></h3>



<ol start="2" class="wp-block-list"></ol>



<p>Carrying large amounts of <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> is risky. With cashless payments, your money is protected by security features like two-factor authentication, fraud monitoring, and encryption. Whether you’re using a debit card, digital wallet, or <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, these systems help safeguard your finances from theft or loss.</p>



<p>Additionally, lost cash is gone forever. But a lost card or compromised digital account can often be locked instantly, preventing unauthorized transactions.</p>



<h3 class="wp-block-heading"><strong>It makes you more financially flexible</strong></h3>



<ol start="3" class="wp-block-list"></ol>



<p>Just like the <a href="https://www.atome.ph/blog/buy-now-pay-later-rise?p=1">rise of buy now, pay later in the Philippines</a>, cashless payment options help people manage their money better. Modern financial apps that encourage cashless payments also give users access to <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a> accounts, loans, scan-to-pay QR Ph features, and a lot more that hard cash simply can&#8217;t.</p>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, for example, allows users to easily split their payments into manageable installments of up to 6 months, allowing them to plan their budgets better. With 0% interest for the first 40 days, it makes it easier for users to manage big-ticket purchases or unexpected expenses.</p>



<h3 class="wp-block-heading"><strong>More merchants are adopting it</strong></h3>



<ol start="4" class="wp-block-list"></ol>



<p>Businesses are adapting to new tech fast, and it isn&#8217;t always the big players. Some startups have made it a point to equip modest <a href="https://www.bworldonline.com/corporate/2022/10/25/482697/growsari-eyes-200000-sari-sari-stores-to-accept-qr-payments-by-2023/" target="_blank" rel="noreferrer noopener nofollow">sari-sari stores</a> with the ability to accept QR Ph payments. The BSP also launched its <a href="https://www.bsp.gov.ph/Pages/InclusiveFinance/PalengQR/PalengQRProgram.aspx" target="_blank" rel="noreferrer noopener nofollow">Paleng-QR Ph Program</a> in 2022 to encourage more merchants to switch to cashless payments.</p>



<p>These developments suggest that cashless payments are being taken more and more seriously by Filipinos nationwide across a spectrum of industries. It also means that cashless <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> is becoming a viable mode of payment for <a href="https://www.atome.ph/blog/top-benefits-of-utilizing-atome-card-for-your-everyday-expenses">everyday expenses</a>.</p>



<h3 class="wp-block-heading"><strong>More people own smartphones</strong></h3>



<ol start="5" class="wp-block-list"></ol>



<p>The increasing affordability of smartphones and wider internet coverage have made digital transactions more accessible. With 5G expansion and cost-effective mobile data plans, more Filipinos than ever have access to banking apps, e-wallets, and fintech solutions. Now, almost anyone can apply for a digital wallet with virtual cards that they can regularly use to improve their daily life.</p>



<h2 class="wp-block-heading">What&#8217;s Next for Cashless Payments in the Philippines?</h2>



<p>There&#8217;s a reason why recent statistics have shown that card payments were projected to climb beyond <a href="https://www.statista.com/statistics/1303309/philippines-card-payment-transaction-value/" target="_blank" rel="noreferrer noopener nofollow">₱3.4 trillion</a> after 2024, showing consistent increases in the past five years.</p>



<p>With the rise of digital wallets, QR Ph transactions, and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">paylater</a> options like Atome Card, the cashless revolution is only just beginning. As businesses continue to digitize and more consumers embrace these solutions, cash usage will likely decline further.</p>



<p>However, challenges remain. A recent <a href="https://www.bsp.gov.ph/Sites/researchsite/Publications/BSP-Discussion-Papers/DP202309.pdf" target="_blank" rel="noreferrer noopener nofollow">BSP discussion paper</a> cited access disparities, cultural factors, and consumer habits and preferences being hurdles to overcome in making digital payments the norm.</p>



<h2 class="wp-block-heading">Try Cashless Payments with Atome Card</h2>



<p>The shift to cashless payments isn’t just about fancy tech—it’s about making life a little easier for everyone. From quicker checkouts to safer transactions, Filipinos are embracing digital payments because they work. And as more businesses get on board and technology becomes more accessible, this <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a>-lite future feels less like a distant possibility and more like an everyday reality. Cash may still have a place, but there’s no denying it. Things are changing, and they’re changing fast.</p>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>&#8217;s mission is to empower this generation with access to leading financial tools that help them realize their goals. Cashless <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a>, whether it&#8217;s through the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> or QR Ph, are a gateway to better control over your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>. Want to enjoy smarter, hassle-free spending? Apply for an Atome Card today and experience the future of payments! 🚀</p>
<div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-twitter-3813"
				class="share-twitter sd-button share-icon"
				href="https://blog.atome.ph/shopping/5-reasons-why-more-filipinos-are-embracing-cashless-payments/?share=twitter"
				target="_blank"
				aria-labelledby="sharing-twitter-3813"
				>
				<span id="sharing-twitter-3813" hidden>Click to share on X (Opens in new window)</span>
				<span>X</span>
			</a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-facebook-3813"
				class="share-facebook sd-button share-icon"
				href="https://blog.atome.ph/shopping/5-reasons-why-more-filipinos-are-embracing-cashless-payments/?share=facebook"
				target="_blank"
				aria-labelledby="sharing-facebook-3813"
				>
				<span id="sharing-facebook-3813" hidden>Click to share on Facebook (Opens in new window)</span>
				<span>Facebook</span>
			</a></li><li class="share-end"></li></ul></div></div></div>

5 Reasons Why More Filipinos are Embracing Cashless Payments


<p>Are you a freelancer? Or do you have your own side hustle? According to recent reports, about <a href="https://www.abs-cbn.com/business/2024/9/27/more-pinoys-getting-side-hustles-amid-growing-needs-survey-1411#:~:text=The%20study%20showed%20that%20this%20year%2C%2073%20percent%20of%20Filipinos%20said%20they%20are%20managing%20their%20resources%20to%20make%20both%20ends%20meet%20but%20that%20may%20entail%20some%20extra%20work." target="_blank" rel="noreferrer noopener nofollow">73% of Filipinos</a> have taken on side hustles to boost their income. They join the growing number of freelancers—about <a href="https://www.pna.gov.ph/articles/1128231#:~:text=Filipino%20freelancers%20are%20currently%20pegged%20at%201.5%20million%20and%20this%20figure%20is%20expected%20to%20balloon%20in%20the%20next%20years%2C%20especially%20with%20the%20employment%20landscape%20brought%20by%20the%20on%2Dgoing%20pandemic." target="_blank" rel="noreferrer noopener nofollow">1.5 million</a>—who have decided to pursue financial freedom on their own terms and earn money outside of traditional employment.</p>



<p>But whether you&#8217;re a full-time freelancer or juggling a side hustle, managing irregular income can be tricky. Unpredictable earnings, lack of employee benefits, and inconsistent expenses can throw your budget off balance. The good news? It’s not impossible to stay on top of your finances while freelancing or running a side hustle.</p>



<p>Here are finance tips that you—either as a freelancer, side hustler, or running your own small business—can try to manage your income more confidently. </p>



<h2 class="wp-block-heading">7 Budgeting Tips for Side Hustlers &amp; Freelancers</h2>



<p>As a freelancer, you know that work comes with its ups and downs. One day you’re cashing in on a bunch of gigs, and the next you’re wondering how you’ll cover your monthly expenses. This inconsistency makes planning ahead a must.</p>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/budgeting/page/1">Budgeting</a> on an irregular income might seem daunting, but it really comes down to flexibility and smart planning.</p>



<h3 class="wp-block-heading">1. Track your spending</h3>



<p>You can&#8217;t budget what you don&#8217;t know you have. When you track your expenses, you have an objective idea of where you money <em>actually </em>goes, whether it&#8217;s food, transport, or subscriptions, to name a few. As someone whose income may be unpredictable, keeping a close eye on how your money moves will help you decide how to adjust your financial habits.</p>



<p>There are countless apps out there to help you track your spending. It would also help to use an app that does it automatically for you, such as the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>, to help you see where and when you spent an amount, without relying on your memory.</p>



<h3 class="wp-block-heading">2. Build your budget based on your lowest income month</h3>



<p>Most people budget based on their average earnings, but for freelancers, this approach can be risky. A more effective strategy is to budget based on your lowest income month.</p>



<p>Look at your past six months of earnings and identify the lowest amount you made in a single month. That&#8217;ll be your baseline. Now when you budget, you&#8217;ll always be aware and prepared for the worst-case scenario. Anything extra can go toward <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a> or investments.</p>



<p>If you ever experience a slow month and need to spend for <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/essentials/page/1">essentials</a> like groceries, transportation, or work-related tools, Atome Card can help by letting you <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a> with 0% interest for up to 40 days. This gives you breathing room to manage expenses without immediately draining your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> flow.</p>



<h3 class="wp-block-heading">3. Separate your freelancer and personal finance accounts</h3>



<p>Plenty of freelancers and self-employed professionals often struggle with financial clarity because they mix personal and business funds. </p>



<p>To stay organized, set up three separate accounts: one for earnings, another for business expenses and taxes (where you set aside a percentage of every <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a>), and a third for savings and emergencies. This system makes it easier to track your profits, expenses, and tax obligations.</p>



<h3 class="wp-block-heading">4. Prioritize yourself</h3>



<p>Freelancers often pay their bills and expenses first, saving only what’s left. But many soon find that this approach isn’t sustainable. When you pay yourself first—setting aside money for personal savings—you’re investing in your future.</p>



<p>A good rule of thumb is to save at least 20% of every payment you receive. To make this habit easier, automate transfers to your savings or emergency fund whenever you get paid.</p>



<p>Since freelance income fluctuates, save more during high-earning months. If you ever find yourself in a tight spot, Atome Card’s <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a> options let you break down payments into 3-6 months, keeping your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> intact while covering necessary expenses.</p>



<h3 class="wp-block-heading">5. Use a PayLater card for big purchases</h3>



<p>Freelancers and side hustlers often need to invest in business tools like a laptop, camera, or software subscriptions, but paying in full can strain your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>. Instead of spending a large amount at once, use <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card to split purchases into 3-6 month installments. It&#8217;s one of the most worthwhile finance tips to follow because <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">paylater</a> cards keep your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> flow stable while allowing you to invest in your business.</p>



<p>For example, if you need a new camera set up for your TikTok side hustle but don’t want to pay ₱3,000 upfront, you can break it into three monthly and manageable payments with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>. This small adjustment to your spending can unlock massive opportunities for how you allocate your money.</p>



<h3 class="wp-block-heading">6. Time your spending around payment cycles</h3>



<p>Since clients and freelance work online platforms pay at different times, it’s important to time your expenses accordingly. List your expected payout dates and schedule big expenses after payday to prevent cash shortages. If you have bills due before you get paid, Atome Card’s 0% interest period can help you cover them without penalties.</p>



<p>For example, suppose your side hustle income arrives every 15th and 30th but your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a> <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> is due on the 10th, you can use your Atome Card to pay now and settle later—interest-free. This allows you to manage expenses without stress.</p>



<h3 class="wp-block-heading">7. Invest in upskilling as a freelancer</h3>



<p>You are your most important asset. Any amount you spend on learning a new skill will always be worth it. But—and there&#8217;s a big caveat—it isn&#8217;t always cheap. Online courses, books, and new apps can quickly throw off your monthly or weekly budget.</p>



<p>To avoid this, you can create an Upskilling budget. You can start saving as little as 10% of your income on it. It&#8217;s best for the money here to invest in purchases that have a clear return on investment; if you&#8217;re in the creative field, for example, a faster laptop would be a huge upgrade.</p>



<p>If the cost of an important investment is too high upfront, Atome Card’s <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a> option makes it easier to spread out payments so you don’t have to sacrifice other financial priorities. For instance, if you plan to enroll in a ₱10,000 online course to level up your skills, you can use <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card to break it into 3-6 payments while still gaining immediate access to the training.</p>



<h2 class="wp-block-heading">Leverage the Power of Atome Card as a Freelancer or Side Hustler</h2>



<p>Whether you&#8217;re a freelancer or you&#8217;ve got a side hustle, managing your money is about progress, not perfection. A proactive attitude helps improve your money habits and create a financial system that works for you—even on unpredictable days. The goal is scalability, stress reduction, and empowerment. While freelancing or side hustling may be challenging at times, don&#8217;t forget what&#8217;s important to you: your dreams and passions.</p>



<p>For even more <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/tips/page/1">tips</a>, check out our YouTube video on <a href="https://www.youtube.com/watch?v=Pl8WjDRYnHM" target="_blank" rel="noreferrer noopener nofollow">5 tips for maximizing your Atome Card</a> as a freelancer.</p>



<p>The best part? <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card makes financial flexibility easier. You won&#8217;t need a minimum income to apply and get approved. All you need is a valid ID. So stay savvy, keep hustling, and here&#8217;s to your financial freedom!</p>



<p></p>
<div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-twitter-3806"
				class="share-twitter sd-button share-icon"
				href="https://blog.atome.ph/advice/freelancer-budgeting/?share=twitter"
				target="_blank"
				aria-labelledby="sharing-twitter-3806"
				>
				<span id="sharing-twitter-3806" hidden>Click to share on X (Opens in new window)</span>
				<span>X</span>
			</a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer"
				data-shared="sharing-facebook-3806"
				class="share-facebook sd-button share-icon"
				href="https://blog.atome.ph/advice/freelancer-budgeting/?share=facebook"
				target="_blank"
				aria-labelledby="sharing-facebook-3806"
				>
				<span id="sharing-facebook-3806" hidden>Click to share on Facebook (Opens in new window)</span>
				<span>Facebook</span>
			</a></li><li class="share-end"></li></ul></div></div></div>

atome

3 Myths About Savings in the Philippines Debunked

Feeling unsure about savings? Let's break down some of the most common myths about Savings to help you get started.

Maya Bank, Atome Forge ₱2.75B Loan Channeling Partnership to Expand Access to Credit in the Philippines

Atome and Philippine digital banking leader Maya Bank have entered a ₱2.75 billion (US$48M) loan channeling partnership in the Philippines to expand access to credit for millions of Filipinos.

How to Open an Atome Savings Account

Opening an Atome Savings account is just as easy as applying for an Atome Card. It's done all on your phone. Learn more here!

Atome Financial posts record US$236M operating income, marks full-year profit in 2024

Types of Savings in the Philippines and How to Choose Which is For You

Researching savings types that suit you? Check out our short guide on the most common savings types in the Philippines here.

What is Atome Savings?

Atome Savings offers 3.25% p.a. daily interest, zero Atome Card & Cash repayment fees, plus more benefits. Learn more about it here!

Physical Atome Card: The Ultimate Guide

The physical Atome Card is a powerful extension of your Atome Card account. Check out this short guide to learn everything you need to know.

Is Your Password Weak? Here’s Why It Costs You

Learn why weak passwords put your money and identity at risk, and discover tips to create strong, unbreakable passwords to stay safe online.

5 Reasons Why More Filipinos are Embracing Cashless Payments

Cashless payments are becoming the norm. If you want to know why so many Filipinos are adopting it, check out this blog.

7 Budgeting Tips for Side Hustlers & Freelancers

Freelancer? Or working on a side hustle? Budgeting can be hard when your income gets unpredictable. Learn finance tips for your budget here.