
<p class="wp-block-paragraph"><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> has been named the <strong>#1 Most Popular <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">BNPL App</a> in Asia</strong>, ranking first by monthly active users at the 2025 edition of the Sensor Tower APAC Awards.</p>



<p class="wp-block-paragraph">With a user rating exceeding 4.5 stars and 96.4% growth in 2025, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>’s strong momentum reflects rising consumer trust and adoption across the region.</p>



<p class="wp-block-paragraph">Launched in Singapore in late 2019, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> has grown rapidly over the past seven years to become the #1 <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">BNPL</a> app in Asia, according to monthly active users — a testament to its disciplined expansion and deep localisation across key markets Singapore, Malaysia, Indonesia, Thailand and the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a>.</p>



<p class="wp-block-paragraph">As the leading APAC-origin BNPL app globally, Atome powers fair and responsible credit from daily <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/essentials/page/1">essentials</a> to aspirations — and has expanded beyond BNPL into cards, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a>, insurance and lending. By combining technology, data-driven risk management and seamless user experience, Atome continues to make flexible credit more accessible, transparent and empowering for millions of consumers across Asia. Other notable APAC winners: Deepseek (AI Assistant), Didi (ride hailing), Lalamove (delivery), Glints (career), Shopee (<a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a>), Moo Moo (investment), Olive Young (<a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/beauty/page/1">beauty</a>) and Traveloka (<a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/travel/page/1">travel</a>).</p>



<h2 class="wp-block-heading has-normal-font-size"><strong>Sensor Tower APAC Awards</strong></h2>



<p class="wp-block-paragraph">The <a href="https://sensortower.com/" rel="nofollow">Sensor Tower</a>APAC Awards is an annual recognition honouring apps from APAC publishers that demonstrate exceptional performance and measurable impact within the mobile ecosystem.</p>



<p class="wp-block-paragraph">Grounded in Sensor Tower’s independent market intelligence and global app performance data, the awards are widely regarded as a benchmark for mobile industry leadership in the region. Winners are selected through Sensor Tower’s proprietary evaluation framework, assessing metrics such as downloads, active users, growth momentum, sustained engagement and category leadership across regional and global markets.</p>



<p class="wp-block-paragraph">As a trusted authority in mobile app intelligence, Sensor Tower’s insights are referenced by leading publishers, investors and media worldwide. The APAC Awards reflect data-validated performance leadership – recognising companies that are not only scaling rapidly, but shaping the future of their respective categories across Asia-Pacific and beyond.</p>



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Atome named Most Popular BNPL app at 2025 edition of Sensor Tower APAC Awards


<p class="wp-block-paragraph">Is this your first time getting your own payment card as part of your #adulting life?</p>



<p class="wp-block-paragraph">In an era where payment cards have been sprouting left and right, the Atome Card is an excellent choice to start building your borrowing history and managing your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a> as a self-sufficient adult.</p>



<p class="wp-block-paragraph">That said, getting approved for your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card is one thing; handling your bill is entirely different. Fortunately, this article provides the information you need to know to manage your Atome Card bill confidently. </p>



<h2 class="wp-block-heading">What You Need to Know About Your Atome Card Bill</h2>



<p class="wp-block-paragraph">Your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card is flexible and enjoyable to use once you fully understand how it works. Here are key facts you should keep in mind to be a responsible Atome Card user.</p>



<h3 class="wp-block-heading"><strong>1. </strong>The difference between a physical and virtual Atome Card </h3>



<p class="wp-block-paragraph">Regardless of whether you use a physical or virtual <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>, you&#8217;ll receive the same billing statement.  There are benefits and drawbacks to each card type; neither is best and will depend on your needs and circumstances.</p>



<p class="wp-block-paragraph">Virtual cards, for instance, are designed exclusively for online purchases, while physical cards offer the flexibility to shop both online and in physical stores that accept Mastercards. It&#8217;s important to note that although virtual and physical cards have unique card numbers, they share the same spending limit. </p>



<p class="wp-block-paragraph">Using both types of cards will impact your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> accordingly.</p>



<h3 class="wp-block-heading"><strong>2. How your Atome Card billing cycle works</strong></h3>



<p class="wp-block-paragraph">Atome Card follows the standard <strong>30-day billing cycle.</strong> Transactions you make within this timeframe accumulate to determine how much you owe at the end of each cycle. </p>



<p class="wp-block-paragraph">For example, let&#8217;s say your billing statement falls on the 1st of the month. </p>



<p class="wp-block-paragraph">Suppose your billing statement on May 1 showed a balance of ₱1,000, then you pay it in full. If you make additional purchases totaling ₱1,500 <em>after</em> May 1, your billing statement on June 1 will reflect your new balance of ₱1,500.</p>



<p class="wp-block-paragraph">This new balance serves as your outstanding amount after the completion of the billing cycle.</p>



<h3 class="wp-block-heading">3. Current vs. Unbilled transactions</h3>



<p class="wp-block-paragraph">With direct correlation to your billing cycle, current transactions are part of your current Atome Card billing statement that you need to settle.</p>



<p class="wp-block-paragraph">On the other hand, unbilled <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a> will be included in your next billing statement. Be sure not to confuse one with the other to manage your payments accurately.</p>



<h3 class="wp-block-heading"><strong>4. Your payment due date</strong></h3>



<p class="wp-block-paragraph">Atome has a <strong>10-calendar day grace period</strong> to settle your bill after you receive your billing statement. It&#8217;s best to check your billing statement regularly to avoid missing your repayment date. This also prevents you from incurring late <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> fees. </p>



<h3 class="wp-block-heading"><strong>5. </strong>The available Atome Card bill installment plans</h3>



<p class="wp-block-paragraph">Want to stretch your monthly budget? Our diverse <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a> plans are designed for you to establish and maximize a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/budgeting/page/1">budgeting</a> system. </p>



<p class="wp-block-paragraph">However, remember that you can <strong>choose only one installment plan per billing cycle</strong>. Any subsequent installments, such as the 2nd or 3rd, will be added to your next outstanding balance along with newly incurred transactions.</p>



<h2 class="wp-block-heading">Be a Responsible Atome Card User</h2>



<p class="wp-block-paragraph">Understanding your billing cycle, statement, and payment deadlines will cultivate a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/healthy/page/1">healthy</a> financial mindset, enabling you to achieve your goals and secure a brighter financial future.</p>



<p class="wp-block-paragraph">Download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> and apply for the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card today!</p>


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Atome named Most Popular BNPL app at 2025 edition of Sensor Tower APAC Awards

5 Important Facts You Need to Know about Your Atome Card Bill

Achieve your goals and build a strong foundation for financial success by understanding how your Atome Card bill works!