Roughly 53.6% of Filipinos 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: Atome Savings.
This blog explains what is Atome Savings, its benefits, and why you should consider opening an account.
What is Atome Savings?
Atome Savings is a flexible, high-interest savings account built right into the Atome app. It lets you earn 3.25% per annum, credited daily, with no minimum deposit, no lock-in period, and zero fees for Atome Card and Cash bill payments.
Your funds are PDIC-insured up to ₱1,000,000, 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’s now much easier to grow your money every day.
4 Key Benefits of Atome Savings vs. Other Accounts
There’s no question about the importance of savings. But with all the financial products out there, it’s easy to feel overwhelmed about which is best for you; not all savings accounts are created equal.
Here’s why Atome Savings stands out:
1. 3.25% p.a. Interest, paid daily
Earn 3.25% per annum, 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.
2. No lock in, no minimum deposit
You can start saving any amount, whether it’s ₱50 or ₱5,000. Although everyone has their own financial journey, the starting point isn’t always the same. That’s why having no minimum deposit can be such a great benefit to both younger and older generations. No penalties. No restrictions.
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’s new product, you get to withdraw your money at any time you want. An item in your cart you’ve been saving for suddenly goes on the midnight sale? Your money is right there for you.
3. Zero fees for Atome Card and Cash Bill Payments
Already got your Atome Card? You’ll love this.
Use your Atome Savings balance to pay your Atome Card or Atome Cash bills with zero fees. That means you won’t ever have to deal with transfer or processing fees, which, let’s face it, are still additional expenses that you’d still need to consider. With your money saved, you can seamlessly stay on top of your Atome Card and Cash bills, all in one single app.
If you don’t already have an Atome Card, opening an Atome Savings account can actually boost your chances of getting approved.
4. Tight security
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 Netbank under a white-label partnership. All of this ensures that you can rest easy knowing that your money is stored well.
How to Get Started
It’s as simple and straightforward as applying for an Atome Card. Below are all the steps you’d have to follow. No handwritten forms or waiting in line for your number to be called.
- Download the Atome app from the App Store or Google Play.
- Sign up or log in to your Atome account.
- Open your Atome Savings account directly in the app.
- Deposit any amount and start earning daily interest instantly.
Frequently Asked Questions about Atome Savings
What is the minimum deposit for Atome Savings?
Atome Savings has no minimum deposit. You can start with any amount you choose, even as little as ₱1.
How do I withdraw from Atome Savings?
Visit Atome Savings on your Atome app, then tap Transfer to choose where you’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.
What is the interest rate of Atome Savings?
You’ll earn 3.25% p.a. 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’s policies and market conditions.
Kickstart Your Savings Journey
Saving isn’t just about setting money aside. The truth is that it’s about expanding options for yourself, building resilience, and feeling in control.
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.
Download the Atome app today to get started!
