
<p class="wp-block-paragraph">As Atome Savings rolls out to more users, it has gotten many people wondering, &#8220;How to open <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> 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 class="wp-block-paragraph">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 class="wp-block-paragraph">Creating your <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> 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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> app. </strong>Make sure you&#8217;re on the latest version of the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> 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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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, Atome Savings is here to make that even easier for you.</p>



<p class="wp-block-paragraph">Ready to begin? Just scan the QR code on your screen to download the Atome app and open your Atome Savings account today.</p>



<p class="wp-block-paragraph"></p>
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How to Open an Atome Savings Account


<p class="wp-block-paragraph"><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 (<a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">BNPL</a>), <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 class="wp-block-paragraph">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 class="wp-block-paragraph">“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 BNPL business, a growing <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> 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>Atome 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>
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Atome Financial posts record US$236M operating income, marks full-year profit in 2024


<p class="wp-block-paragraph">Ever wondered which savings option will actually make your money grow in the Philippines?</p>



<p class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph"><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 class="wp-block-paragraph"><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 class="wp-block-paragraph"><strong>Best for:</strong> Emergency funds and day-to-day transactions</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-b8ef5db7 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 class="wp-block-paragraph" 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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph"><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 class="wp-block-paragraph">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 savings 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 class="wp-block-paragraph">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 class="wp-block-paragraph"><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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a></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 class="wp-block-paragraph">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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/lifestyle/page/1">lifestyle</a> 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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">Is there a way to earn higher interest <em>without </em>losing flexibility? Yes. What you may be looking for is <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Savings.</p>



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



<p class="wp-block-paragraph">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 Atome 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/resource/atome-card/page/1">Atome Card</a>.</li>
</ol>



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



<p class="wp-block-paragraph">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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a> type is the one that fits your financial goals and your lifestyle. If you’re building a nest egg you can’t touch for years, the MP2 or a time deposit may suit you.</p>



<p class="wp-block-paragraph">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 Atome 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/">Atome</a> Card 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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Savings.</p>
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Types of Savings in the Philippines and How to Choose Which is For You


<p class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph"><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Savings is a flexible, high-interest savings account built right into the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>. 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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 Atome&#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 class="wp-block-paragraph">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 class="wp-block-paragraph">Use your Atome Savings 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/resource/atome-card/page/1">Atome Card</a> and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">Cash</a> bills, all in one single app.</p>



<p class="wp-block-paragraph">If you don&#8217;t already have an <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, 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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> 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 class="wp-block-paragraph">Atome 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 class="wp-block-paragraph">Visit Atome Savings on your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>, 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 Atome app.</p>



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



<p class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">With Atome <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">Savings</a>, 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 class="wp-block-paragraph">Download the Atome app today to get started!</p>
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What is Atome Savings?


<p class="wp-block-paragraph">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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> 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 class="wp-block-paragraph">Want a physical <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> 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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">Gone are the days of lining up at branches or filling out forms that feel like a school exam. Once approved, your physical Atome Card 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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">The physical Atome 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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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>
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Physical Atome Card: The Ultimate Guide


<p class="wp-block-paragraph">When was the last time you changed your password?</p>



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



<p class="wp-block-paragraph">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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card. They could change settings and drain your money quickly.</p>



<p class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">Example: &#8220;CoffeeAt6AMIsLife!&#8221; or &#8220;MangoRiceIsSuperior99&#8221;</p>



<p class="wp-block-paragraph">Longer = stronger.</p>



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



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



<p class="wp-block-paragraph">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 class="wp-block-paragraph">Example: &#8220;B3ach$unset_Tour&#8221;</p>



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



<p class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">If you’re using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> 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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph"><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 class="wp-block-paragraph"><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 Atome Card to manage your purchases wisely and safely.</p>



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



<p class="wp-block-paragraph">Your password is more than just a login. It’s your first line of defense.</p>



<p class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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>
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Is Your Password Weak? Here’s Why It Costs You


<p class="wp-block-paragraph">More Filipinos are leaving their wallets at home. No, this isn&#8217;t an epidemic of forgetfulness. Cold hard cash? That might be a thing of the past.</p>



<p class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">Whether you’re <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> 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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> 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 class="wp-block-paragraph">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 class="wp-block-paragraph">Additionally, lost <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> 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 class="wp-block-paragraph">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 class="wp-block-paragraph"><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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 shopping 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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">With the rise of digital wallets, QR Ph <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a>, and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">paylater</a> options like <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>, the cashless revolution is only just beginning. As businesses continue to digitize and more consumers embrace these solutions, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> usage will likely decline further.</p>



<p class="wp-block-paragraph">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 class="wp-block-paragraph">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 cash-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 class="wp-block-paragraph">Atome&#8217;s mission is to empower this generation with access to leading financial tools that help them realize their goals. Cashless transactions, whether it&#8217;s through the Atome Card 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>
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5 Reasons Why More Filipinos are Embracing Cashless Payments


<p class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">Here are finance <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/tips/page/1">tips</a> 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 class="wp-block-paragraph">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 class="wp-block-paragraph"><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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 cash flow.</p>



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



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



<p class="wp-block-paragraph">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 payment), 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 class="wp-block-paragraph">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 class="wp-block-paragraph">A good rule of thumb is to save at least 20% of every <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> you receive. To make this habit easier, automate transfers to your savings or emergency fund whenever you get paid.</p>



<p class="wp-block-paragraph">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 class="wp-block-paragraph">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 Atome 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 class="wp-block-paragraph">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/">Atome</a> Card. 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 class="wp-block-paragraph">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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> shortages. If you have bills due before you get paid, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card’s 0% interest period can help you cover them without penalties.</p>



<p class="wp-block-paragraph">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 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> 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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">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 class="wp-block-paragraph">For even more tips, 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 class="wp-block-paragraph">The best part? Atome 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 class="wp-block-paragraph"></p>
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7 Budgeting Tips for Side Hustlers & Freelancers


<p class="wp-block-paragraph">Staying on top of the latest fraud attacks helps to keep your accounts secure and your mind at peace. One method that&#8217;s gaining popularity is phishing. </p>



<p class="wp-block-paragraph">In 2024, the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a> recorded the <a href="https://fintechnews.ph/64749/fintech/philippines-recorded-highest-numbers-for-phishing-attacks/" target="_blank" rel="noreferrer noopener nofollow">highest number of phishing attacks</a>. With the rise of artificial intelligence (AI), phishing scams are becoming more sophisticated. Although reports have revolved around Philippine enterprises needing to protect against waves of <a href="https://business.inquirer.net/499971/ph-firms-must-brace-for-ai-powered-attacks" target="_blank" rel="noreferrer noopener nofollow">AI-powered phishing </a>attacks, it&#8217;s just as important to remain cautious as a consumer.</p>



<p class="wp-block-paragraph">What can you do to stay safe? This article offers practical <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/tips/page/1">tips</a> for staying safe against phishing attacks. But before that, it&#8217;s good to first define phishing.</p>



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



<p class="wp-block-paragraph">Phishing is a type of online fraud where scammers pretend to be legitimate companies to trick people into revealing sensitive information, such as passwords, OTPs (one-time passwords), or card details. This is usually done through fake emails, text messages, phone calls, or even fraudulent websites that look identical to real ones.</p>



<p class="wp-block-paragraph">Phishing is a growing problem in the Philippines, with scammers constantly finding new ways to deceive users.</p>



<h2 class="wp-block-heading"><strong>4 Common Phishing Tactics to Watch Out For</strong></h2>



<p class="wp-block-paragraph">Scammers use different methods in their phishing attacks, meaning a broad knowledge of their tactics is the best place to start. Here are some of the most common tactics:</p>



<h3 class="wp-block-heading"><strong>Fake emails</strong></h3>



<p class="wp-block-paragraph">The most popular form of phishing is through email. Cybercriminals build and design their emails to look like just another promotional alert from a company you might have an account with, like Netflix or <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card. To someone in a hurry or flipping through their inbox, these emails appear legitimate. The truth is that the links in the email can install dangerous malware onto the recipient&#8217;s device without them noticing. This compromises personal data and sensitive documents.</p>



<h3 class="wp-block-heading"><strong>Spoofed websites</strong></h3>



<p class="wp-block-paragraph">Often tied to email phishing attempts, fake websites are a channel for cybercriminals to receive user data unassumingly. These typically appear like login pages as a way to easily surrender your sensitive credentials. A closer inspection would often reveal that the website isn&#8217;t trustworthy at all: wrong spellings/grammar, a slightly modified domain name, and a lack of a padlock icon on the web browser are red flags that you&#8217;re visiting a spoofed site.</p>



<h3 class="wp-block-heading"><strong>Social Media Scams</strong></h3>



<p class="wp-block-paragraph">Scammers create fake giveaways, and exclusive deals, or even impersonate official customer service accounts to deceive users. They may ask for personal details, and payment information, or trick you into clicking malicious links that steal your credentials. Always verify official pages, and never share sensitive information in response to messages or comments on social media.</p>



<h3 class="wp-block-heading"><strong>Phone Call Scams (Vishing)</strong></h3>



<p class="wp-block-paragraph">Cybercriminals may call you while posing as customer service representatives from various companies. This is known as &#8220;vishing,&#8221; which the <a href="https://pia.gov.ph/ntc-warns-public-against-phishing-vishing-scams/" target="_blank" rel="noreferrer noopener nofollow">National Telecommnications Commission (NTC)</a> has warned Filipinos about. They may claim to have an urgent problem with your account. This approach is meant to elicit a sense of panic, insisting on immediate action. They&#8217;ll typically ask for sensitive details such as your password or answers to your security questions to &#8220;resolve&#8221; this &#8220;urgent&#8221; problem.</p>



<p class="wp-block-paragraph">In reality, legitimate companies will never do this.</p>



<h2 class="wp-block-heading"><strong>How to Identify a Phishing Attempt</strong></h2>



<p class="wp-block-paragraph">Every type of phishing attack shares some similarities you can learn to spot. Here are a few traits to keep an eye out for:</p>



<h3 class="wp-block-heading"><strong>Double-check the link or email address</strong></h3>



<p class="wp-block-paragraph">Look for misspelled domain names, unusual sender addresses, or links that don’t match the ones indicated on the official website.</p>



<h3 class="wp-block-heading"><strong>Notice the language</strong></h3>



<p class="wp-block-paragraph">Scammers often use threatening and fear-provoking language, saying things like, “Your account will be locked if you don’t take action now!” Although other businesses may also emphasize the urgency of certain things, like limited-time promotions or security alerts, they would do so with a more appropriate approach.</p>



<h3 class="wp-block-heading"><strong>Spot if they&#8217;re requesting personal information</strong></h3>



<p class="wp-block-paragraph">Legitimate and trustworthy financial businesses will never ask you to share your personal information through common channels, such as email, SMS, or <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a> calls. They won&#8217;t do this for your OTPs either. Atome will never ask for your password, OTP, or card details via email or SMS.</p>



<h3 class="wp-block-heading"><strong>Consider their payment request</strong></h3>



<p class="wp-block-paragraph">Unusual payment requests are often a dead giveaway that a phishing attempt is happening. What&#8217;s an unusual <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> request? For example, if they&#8217;re asking you to make a payment <em>immediately</em> or through a bank transfer—that would be a little weird, wouldn&#8217;t it? In these cases, it&#8217;s better to avoid the situation and report it for your protection and the protection of others.</p>



<h2 class="wp-block-heading"><strong>How to Protect Yourself from Phishing Scams</strong></h2>



<p class="wp-block-paragraph">Here&#8217;s what to do in case you&#8217;ve just been the victim of a phishing or fraud attempt:</p>



<ul class="wp-block-list">
<li><strong>Verify links before clicking them</strong>: Hover over links to see where they lead before clicking. If the website appears to be a jumble of letters and characters, it could lead you to somewhere dangerous. You can also Google email addresses to check their validity.</li>



<li><strong>Use Two-Factor Authentication (2FA): </strong>Adding an extra layer of security makes it harder for scammers to access your account.</li>



<li><strong>Keep your devices secure: </strong>Regularly update your software and use antivirus protection to prevent malware attacks.</li>



<li><strong>Enable transaction notifications: </strong>Get real-time alerts every time your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> is used to quickly spot unauthorized <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a>.</li>



<li><strong>Report it: </strong>You can send a phishing attempt report to <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>’s customer support at <a href="mailto:support@atome.ph">support@atome.ph</a>.</li>
</ul>



<h3 class="wp-block-heading">Stay Alert, Stay Safe</h3>



<p class="wp-block-paragraph">Phishing scams are a serious threat, but by staying informed and cautious, you can protect yourself from fraud. Always verify emails, avoid clicking on suspicious links, and never share personal details with unknown sources. If you ever receive a suspicious email or SMS claiming to be from Atome, report it immediately to <a href="mailto:support@atome.ph">support@atome.ph</a>.</p>



<p class="wp-block-paragraph">By taking these precautions, you can enjoy the convenience of your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card without worrying about cybercriminals. Stay vigilant, stay safe, and shop with confidence!</p>
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4 Common Phishing Tactics to Understand and Avoid


<p class="wp-block-paragraph">Don&#8217;t get it wrong. &#8220;Affordable&#8221; doesn&#8217;t mean you&#8217;re sacrificing quality. It&#8217;s the opposite, in fact. Some of the most memorable date ideas are born when creativity and thoughtfulness are the focus, rather than having a big budget. </p>



<p class="wp-block-paragraph">Date ideas don&#8217;t always need 4-digit price tags. Don&#8217;t believe it? That&#8217;s what this <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/blog">blog</a> is about!</p>



<p class="wp-block-paragraph">Whether it’s your first date, a spontaneous date night, or a special <a href="https://www.britannica.com/topic/Valentines-Day" rel="nofollow">Valentine’s Day</a> date, the key is making the experience feel special without causing financial strain. If you&#8217;re looking for fresh date ideas, this guide will help you create magical moments without overspending.</p>



<h2 class="wp-block-heading">5 Affordable Date Ideas That Feel Luxurious</h2>



<p class="wp-block-paragraph">These romantic date ideas will impress your partner while keeping your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a> in check. Try one (or all) of them and make your next date night unforgettable.</p>



<h3 class="wp-block-heading">1. Enjoy a wholesome, home-cooked meal</h3>



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<p class="wp-block-paragraph">There’s something undeniably romantic about cooking together, isn&#8217;t there? A home-cooked meal brings warmth, nostalgia, and intimacy that you can&#8217;t find in any restaurant, no matter how fancy shmancy it is.</p>



<p class="wp-block-paragraph">Prepare each other&#8217;s favorite dish or try a new recipe together. The experience of creating a meal as a couple is priceless, making it an ideal date night if you both want to stay inside.</p>



<h3 class="wp-block-heading">2. Travel—but not far</h3>



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<p class="wp-block-paragraph">Expensive plane tickets and packed itineraries aren&#8217;t what we&#8217;re talking about. A staycation in a nearby <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/hotel/page/1">hotel</a> or rented home can give you the feeling of an escape—without needing to go beyond your budget. This date idea works for just about any romantic occasion, which is why you&#8217;re bound to find it in many Valentine&#8217;s Day date ideas lists. You can save this romantic date idea for another time, like your anniversary or to celebrate milestones together.</p>



<p class="wp-block-paragraph">Exploring different neighborhoods or seeing a new side of a city you&#8217;ve always lived in can be just as exciting as traveling abroad.</p>



<h3 class="wp-block-heading">3. Create the gifts yourselves</h3>



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<p class="wp-block-paragraph">Luxury isn’t about price—it’s about meaning. Thoughtful <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/gifts/page/1">gifts</a>, like a handwritten letter, a scrapbook of your memories, or a DIY project, can hold more sentimental value than store-bought presents. If you want to add a little extra, you can use your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card to shop for meaningful gifts in flexible installments. From <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/jewelry/page/1">jewelry</a> to personalized keepsakes, you can surprise your loved one while managing your budget wisely with your <a href="https://www.atome.ph/news/what-is-a-pay-later-card">PayLater card</a>.</p>



<h3 class="wp-block-heading">4. Find adventures in new places</h3>



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<p class="wp-block-paragraph">Exploring new places together strengthens your bond. Instead of an expensive flight, consider taking a road trip to a nearby town or visiting a hidden gem in your city. Popular destinations include a scenic park or quirky museum. You can both look for highly rated cafes around the area to try a new coffee blend. This brief venture outside your routines adds excitement to a day out with your partner, Hearts Day or not.</p>



<h3 class="wp-block-heading">5. Take advantage of the latest deals</h3>



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<p class="wp-block-paragraph">Many brands offer discounts and exclusive deals, especially around Valentine’s Day. With an <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, you can take advantage of special promotions, exclusive discounts from some of the top brands in the country, and flexible <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> plans. It&#8217;s the perfect tool you can use to, say, whip up a surprise dinner or book your weekend escape. As a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">PayLater</a> card, the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card makes it easier to enjoy these special moments without financial stress.</p>



<h2 class="wp-block-heading"><strong>Make Every Date Special with Atome Card</strong></h2>



<p class="wp-block-paragraph">A <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/memorable-date/page/1">memorable date</a> night idea doesn’t have to come with a hefty price tag. Homemade dinners, staycations, and visiting new areas together are great romantic date ideas because they allow you to spend more quality time together—which is crucial for a strong and long-lasting relationship. The Atome Card empowers you to make these romantic date ideas even better, especially when it&#8217;s to mark a significant moment like a first date or anniversary. Turn any time with your partner into an unforgettable moment with your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>.</p>



<p class="wp-block-paragraph">So go ahead—plan that perfect date. Because love isn’t about how much you spend; it’s about how much you care.</p>
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