Atome PH - Buy Now Pay Later 4+
Card, Savings, Cash
NEURONCREDIT FINANCING COMPANY INC.
Designed for iPhone
-
- Free
iPhone Screenshots
Description
Your favorite buy now, pay later app is evolving into an all-in-one financial solution in the Philippines!
Atome, a leading digital consumer financing platform in Southeast Asia, now offers more than just flexible credit and installment plans. With Atome, you can:
- Shop smarter: Scan to pay with QR Ph and enjoy flexible 3 or 6-mos. installments with the Atome Card, plus 0% interest on monthly purchases.
- Access cash instantly: Atome Cash for fast, low-interest loans for your daily needs
- Grow your wealth: With Atome Savings at 3.25%* p.a. interest daily
*Rates might adjust based on Netbank’s policies and market conditions
【Atome Card】
1. Flexible payment and installment options
- Stretch your budget and pay later at 0% interest on monthly purchases. Enjoy installment plans of up to 6 mos.
2. Easy application
- Apply on the app 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
- Link your physical/virtual Atome Card to shop online, like on Lazada, Shopee, and Grab.
- Tap-to-pay in-store, even overseas.
- Pay utilities on time at Meralco, Maynilad, Globe, Smart, or on online apps such as BillEase via GrabPay, Home Credit. and TendoPay via Bayad Center.
5. Card bills payment
- Choose your preferred payment method: credit/debit card, InstaPay via your bank's app, like BPI, BDO, and UnionBank, e-wallets such as Maya & GCash, or over-the-counter payments.
【Atome Savings】
Atome Card users can open a savings account and earn up to 3.25%* interest p.a., daily. Enjoy 0 fees, no minimum balance to deposit, even lock-in periods, and secured deposit via PDIC insurance coverage of up to ₱1M.
【Atome Cash】
Looking for an easy, fast cash loan? Atome Cash loan offers quick approval and disbursement for up to ₱50,000. Repay loans in installments of up to 12 mos. with 1.75% interest.
Apply on the Atome app if you are:
- A registered Atome user with past in-app transactions
- At least 18 years old with a valid ID
- With bank account, such as BPI, BDO, UnionBank, and more.
【Download the Atome app today for a savvier lifestyle!】
ATOME CARD APPLICATION ELIGIBILITY
- Valid PH ID
- At least 18 years old
- No minimum income requirement
- No paperwork
HOW TO APPLY FOR THE ATOME CARD
1. Download the Atome app and tap the Card tab on the home page
2. Tap "Apply for free" and choose your preferred Atome Card
3. Fill in your personal information and upload your ID
4. Get approved in 1-2 days
5. Receive your Atome Card via mail
HOW TO SHOP WITH THE ATOME CARD
1. Activate your physical card on the Atome app
2. Use virtual card to shop online
3. Use physical card to shop online and in-store
ATOME CARD INSTALLMENT PLANS:
- Monthly interest rates for as low as 2%
- Annual Percentage Rate (APR) ranging from 0%-46 %
- 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 for 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 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
【Connect with us via:】
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/
What’s New
Version 2.128.0
New feature alert!
【 Atome Savings 】A new way to grow your finances, exclusive for Atome Card users.
- 3.25%* p.a. Interest rate.
- Secure and PDIC insured up to ₱1,000,000.
- No minimum balance, no lock-in periods
Begin your savings and deposit in Atome Savings when you update your Atome app.
*Rates might adjust based on Netbank’s policies and market conditions
Ratings and Reviews
My First Credit Card under Asia United Bank.
When I was 18 years old I was eager to have a Credit Card but unfortunately I need to be at least 21 years old to be qualified, then I applied for Atome because you only need to be 18 years old; I was so happy but unfortunately it kept denying me for no reason, I applied several times like more than 5 times till I turned 21 years old, out of the blue I tried to applied and boom I was approved with 2k credit limit😂, I was happy at that time then now I have the credit card from a Bank. I would like to express my sincere gratitude and appreciation from your service "atome" I was able to manage my finances, be ae to spend recklessly and paid it on time, I even got a 1k worth of GC from Robinson and SM Store. Again, thank you so much Atome I hope you'd continue your service and improve more your perks. Additionally, when I tried to make a payment using a bank transfer, when it did not reflect on the system, several days, I tried to report it and guess what it was a system error and couple of days they rewarded me a 600 points and the money that I paid for was duplicated. it was amazing great support for you atome!
Developer Response ,
Thank you so much for your kind review! We truly appreciate your feedback and are thrilled to hear that you're happy with your experience. Your support means a lot to us! - Ghia
Unfounded decline
I admire your app and your cause at first that is why I became a loyal customer but lately you are making my purchases quite tiring as my card keeps on getting declined even if I have more than enough amount to cover the payment. Plus what’s demeaning is when you declined my actual card application due to unmatched information. What unmatched information are you talking about when everything is as what could be seen in my submitted ID. Your customer service reps are sometimes inefficient in addressing concerns. They cannot answer my questions properly. It’s like we are just running around the bush. No light at the end of the tunnel as the idiom goes. Please fix your system and your actual card application review because instead of retaining your loyal customers, you are driving us away from you. 😇
Developer Response ,
Thank you for taking the time to write this review. Your kind words encourage us greatly. Happy shopping! - Mawar :)
My first review was deleted.
Writing another review since the first one I posted got deleted. Again, your CS reps are of no help at all. Your troubleshooting recommendations are of no help and don’t work. Your app shows a message of “risk detection… and to contact customer support to reverse…” but when I emailed your CS they provide canned responses and useless resolutions, worst they keep on saying they can’t do anything about it which is ironic given the message in your app. Here are the steps I have tried so far to “reinstate” the “privilege” of my account to make a purchase. Log out and log in - didn’t work Deleted and reinstalled app - didn’t work Changed payment method multiple times - didn’t work Waited for 3 and MORE days - didn’t work Combination of ALL OF THE ABOVE - didn’t work Now every time I open the app, still the same message. Got fed up and wanted to delete my account, but it was asking for my account ID which can’t be seen on the app. So I emailed your CS to get that info or to have them delete my account, but what do you get? They also don’t know the info (???) and can’t do the deletion on their end - AGAIN NO SURPRISE as to what your CS CAN’T DO - they don’t DO anything at all. To anyone who wishes to download this app - better look for an alternative.
Developer Response ,
Apologies for the inconvenience. Thanks for the review. -Toni
App Privacy
The developer, NEURONCREDIT FINANCING COMPANY INC., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Contact Info
- Search History
- Identifiers
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
- Search History
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Diagnostics
Privacy practices may vary based on, for example, the features you use or your age. Learn More
Information
- Provider
- NEURONCREDIT FINANCING COMPANY INC.
- Size
- 184 MB
- Category
- Shopping
- Compatibility
-
- iPhone
- Requires iOS 13.0 or later.
- iPod touch
- Requires iOS 13.0 or later.
- Mac
- Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English, Indonesian, Japanese, Malay, Thai, Traditional Chinese, Vietnamese
- Age Rating
- 4+
- Copyright
- © Atome
- Price
- Free
Supports
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