Our Story
We empower a new generation of digital-first Filipinos with smarter access to everyday financial tools.
Atome is a digital financial services platform designed to make spending, borrowing, saving, and managing money simpler — all through one app.
Launched in 2019, Atome is pronounced “A-To-Me” and stands for “Available to Me.” The name reflects our belief that financial tools should be easier to access, easier to understand, and easier to use.
Today, Atome has grown beyond buy now, pay later into a broader financial ecosystem. Through the Atome app, users can access Atome Card for everyday spending, Atome Cash for personal loans, and Atome Savings to help their money grow.
Our three service pillars
Aspiration
Enabling one’s deepest passions
Access
Affordability and availability of quality products and services
Advice
Customisable features for smarter money management
Our brand colour is Spriteburst, a yellow-green tennis ball hue symbolising energy, progress, positivity and brilliance.
Our tagline, “Time to Own It,” is a call for users to take ownership of their financial journey.
For Atome, ownership means more than buying what you want. It means having the tools to manage everyday expenses, plan bigger purchases, handle important needs, and build stronger money habits over time.
Atome Card: Pay later anywhere Mastercard is accepted—online, in-store, and overseas.
Atome Cash: Eligible users can confidently access flexible personal loans for important needs.
Atome Savings: Grow your wealth with daily interest and absolutely no lock-in periods.