Pay later with 0% installments, cash loans up to ₱55K & earn 3.25% daily savings
4.88·692,645 reviews·5,000,000+ downloads
About Atome PH - Card, Loans & Save
Atome PH - Card, Loans & Save is a shopping app developed by NEURONCREDIT FINANCING COMPANY INC..
How many times has Atome PH - Card, Loans & Save been downloaded?
Atome PH - Card, Loans & Save has been downloaded 8.6 million times. In the last 30 days, the app was downloaded 490 thousand times.
What is the rating of Atome PH - Card, Loans & Save?
Atome PH - Card, Loans & Save is rated 4.88 out of 5 stars, based on 690 thousand ratings.
Is Atome PH - Card, Loans & Save free?
Atome PH - Card, Loans & Save is free to download. The APK download size is 78.66 MB. The latest version available is 2.171.1. The last update was on July 10, 2026.
What are the requirements for Atome PH - Card, Loans & Save?
Atome PH - Card, Loans & Save requires Android 8.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play October 2021.
Description
Atome, Southeast Asia's leading financial platform, offers solutions to empower your financial journey. Buy Now Pay Later! Shop smarter with the Atome Card — scan to pay with QR Ph, enjoy 3- or 6-month installments, and get 0% interest on monthly purchases. Access quick cash with Atome Cash, starting at just 1.75% interest. Grow your money with Atome Savings, earning 3.25%* p.a. daily interest with no minimum balance required. * Rates may adjust based on Netbank policies. As e-wallets and PayLater apps grow, Atome now goes beyond shopping and financing by offering a seamless one-stop bill payment experience for utilities such as water, electricity, telecom, broadband, internet, mobile, and postpaid bills. Atome Card 1. Flexible payment and installment options - Stretch your budget and pay later at 0% interest. Enjoy installment plans of up to 6 months. 2. Easy application - Apply in minutes—no paperwork needed. 3. Convenient for your needs - Shop with up to a ₱200,000 spending limit. 4. Pay later anywhere that accepts Mastercard - Use your physical or virtual Atome Card to shop online on Lazada, Shopee, Grab, and more. - Tap-to-pay in stores and even overseas. - Also compatible with apps like BillEase (via GrabPay), Home Credit, and TendoPay via Bayad and PayMongo. 5. Pay bills easily - Square up your monthly essentials in one place. Atome now supports water, electricity, internet, and mobile bill payments through major providers, including Maynilad, Manila Water, PrimeWater, Meralco, Globe One, Smart, Converge, and more. 6. Settle your monthly card bills - Pay using credit/debit card, InstaPay via bank apps such as BPI, BDO, UnionBank, or e-wallets like GCash and Maya. Atome Savings Atome Card users can open a secure savings account built for everyday growth. - Earn up to 3.25% p.a. interest, credited daily - No minimum balance, no lock-in period, and zero fees - Deposits are protected with PDIC insurance coverage up to ₱1M Atome Cash Access fast, reliable cash loans when you need them most. - Borrow up to ₱50,000 - Quick approval and seamless disbursement - Repay in up to 12 months with low 1.75% monthly interest - Simple requirements: valid ID, Atome account, and a bank account (BPI, BDO, UnionBank, etc.) Download Atome today for a savvier lifestyle! ATOME CARD APPLICATION ELIGIBILITY - Valid PH ID - At least 18 years old - No minimum income - No paperwork required HOW TO APPLY 1. Download the Atome app and open the Card tab 2. Tap “Apply for free” 3. Fill in personal info and upload your ID 4. Get approved in 1–2 days 5. Receive your Atome Card via mail HOW TO SHOP 1. Activate your card in-app 2. Use virtual card online 3. Use physical card online and in-store ATOME CARD INSTALLMENT PLANS: - Monthly interest rates as low as 2% - Annual Percentage Rate (APR) ranging from 0%-36 % - No service charges - Installment plans are available in 3 or 6 mos. Example total loan cost: - Total monthly bill: ₱2,000 - Bill amount: ₱2,000 - Repayment term: 3 months - Monthly interest rate: 2% (₱40) - Total payment: ₱2,120 at ₱706.67/month ATOME CASH LOAN TERMS: - Monthly interest rates as low as 1.75% - Annual Percentage Rate (APR) not more than 36% - No service charges - Installment plans for up to 12 mos. Example total loan cost: - Total loan amount: ₱3,000 - Repayment term: 6 mos. - Monthly interest rate: 1.75% (₱52.50) - Total payment: ₱3,052.50 at ₱508.75/month Business Name: Atome and Atome Ph Corporate Name: NeuronCredit Financing Company Inc. SEC Registration Number: CS201816338 Certificate of Authority No.: 1178 Bangko Sentral ng Pilipinas OPS Registration No.: OPSCOR-2021-0040 Web: https://www.atome.ph/atome-card https://www.atome.ph/atome-cash https://www.atome.ph/atome-savings Help Center: support@atome.ph https://help.atome.ph/hc/en-gb/categories/4439682039065-Atome-Card Social media: https://web.facebook.com/atomecardph https://www.instagram.com/atome.ph/
Recent changes: 【 New: Atome Card Cashback! 】🎉 Earn up to ₱7,500 cashback and more rewards. Successfully refer Atome Card to friends and family and receive a reward for every application step they accomplish.
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Comments on Atome PH - Card, Loans & Save for Android
★★★★★mc. aljun bobis· Jun 29, 2026
Great apps ! ☺️ too easy to apply ! Hope to approve Higher amount ☺️☺️ This loan apps is recommended
★★★★★Noli Alburo· Jul 8, 2026
Welcome to Gboard clipboard, any text you copy will be saved here.,
★★★★★ANJANETTE ONDIVILLA· Jun 25, 2026
Ilike it . Very helpful thank you so much
★★★★★Jeri Miah Tongco· Jun 29, 2026
Needs an option to change or create another virtual card to prevent further unwanted transaction if a virtual card is compromised
★☆☆☆☆Laila Labiaga· Jun 29, 2026
Disappointing. I just forgot to pay 1 day because of my busy days at work but the collection agency keeps calling and send messages that I'm overdue for 1 month.
★☆☆☆☆Arabella Mayumi· Jul 8, 2026
I paid early and on time, but I'm not eligible to reload again? And the credit limit still low! Better to use Fido!
★☆☆☆☆Lloyd Painter· Jul 13, 2026
This company harasses you even if you give them assurance that you will pay today with a given time, atome will keep on calling you and send you infuriating text messages!!!
Google Play Rankings for Atome PH - Card, Loans & Save
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Technologies used by Atome PH - Card, Loans & Save
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