Atome PH - Buy Now Pay Later

Name: Atome PH - Buy Now Pay Later
Rating: 4.8 (301239 reviews)
Author: NEURONCREDIT FINANCING COMPANY INC.

Get a card, cash loan, savings

Only for iPhone

Free · Designed for iPhone. Not verified for macOS.

301k Ratings
Age Rating

4+
Years
Category

Shopping
Developer

NEURONCREDIT FINANCING COMPANY INC.
Language

EN
+ 6 More
Size

210
MB

iPhone

Your favorite buy now, pay later app is now an all-in-one financial solution for shopping, saving, loans, and bill payments in the Philippines. - Shop smarter: Scan to pay with QR Ph and enjoy flexible 3- or 6-month installments with the Atome Card, plus 0% interest on monthly purchases. - Access cash instantly: Atome Cash for fast, low-interest loans for daily needs. - Pay bills easily: A one-stop bill payment feature where you can pay utility bills such as water, electricity, mobile, postpaid, and even internet or broadband through trusted partners. - Grow your wealth: With Atome Savings at 3.25%* p.a. interest daily. *Rates may adjust based on Netbank policies. 【 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, 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, UnionBank, etc.) Download the Atome app 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%-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 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/

Ratings & Reviews

4.8

out of 5

301k Ratings

Spending limit decrease
23/06/2024
JeidoTenshi
First of all, I want to say that I am an early bird when it comes to payment becuase I am afraid of trouble. So, here’s the thing.I downloaded the app and got a very low credit limit (₱ 5,000). I was able to raised it to around ₱ 10,000, I guess? If not, maybe a little bit lower. Then, just this month, I paid my amortization fee for the month of June. My bank stated that it went through but haven’t received any confirmation from the app, since this happened multiple times already, I guess it was just a matter of time. Then, days go by and due date comes. The billing amount still hasn’t been paid! I tried to checked on it with my bank and they said it went through. I reached out to your email but got no response. I am hesitant to pay the amount once again becuase it might caused unnecessary problems should the first payment reflected already on your system. I passed it off thinking that it might be a problem on your end. Then, just the day after my due date, I saw that the billing statement got penalty. With no other choice, I applied a payment to avoid risks of getting more penalties. After paying, the same day I received a confirmation that it has been paid off. So, where did my first payment go? Here’s the answer, upon waking up next day, I saw that I got a notification late at night saying that my payment has been credited. Look! My first payment went through but took so much time compared to the first one? Like what the hell? It is of the same bank! What more, they got my credit limit decreased. So, I decided that I won’t be using this card anymore on things that I would like to be paid in installment unless absolutely necessary.

Developer Response
We apologize for the inconvenience. Please contact us directly at support@atome.ph with your account details so we can investigate and resolve this issue promptly for you. - Ghia
Spending limit decrease
23/06/2024
JeidoTenshi

First of all, I want to say that I am an early bird when it comes to payment becuase I am afraid of trouble. So, here’s the thing.I downloaded the app and got a very low credit limit (₱ 5,000). I was able to raised it to around ₱ 10,000, I guess? If not, maybe a little bit lower. Then, just this month, I paid my amortization fee for the month of June. My bank stated that it went through but haven’t received any confirmation from the app, since this happened multiple times already, I guess it was just a matter of time. Then, days go by and due date comes. The billing amount still hasn’t been paid! I tried to checked on it with my bank and they said it went through. I reached out to your email but got no response. I am hesitant to pay the amount once again becuase it might caused unnecessary problems should the first payment reflected already on your system. I passed it off thinking that it might be a problem on your end. Then, just the day after my due date, I saw that the billing statement got penalty. With no other choice, I applied a payment to avoid risks of getting more penalties. After paying, the same day I received a confirmation that it has been paid off. So, where did my first payment go? Here’s the answer, upon waking up next day, I saw that I got a notification late at night saying that my payment has been credited. Look! My first payment went through but took so much time compared to the first one? Like what the hell? It is of the same bank! What more, they got my credit limit decreased. So, I decided that I won’t be using this card anymore on things that I would like to be paid in installment unless absolutely necessary.
Developer Response 28/06/2024
We apologize for the inconvenience. Please contact us directly at support@atome.ph with your account details so we can investigate and resolve this issue promptly for you. - Ghia
Walang kwenta ang customer service!
07/07/2024
Love everything Peplum!
Malaking pagsisisi na nag avail ako ng Atome na to. At first month ok naman sya. Pero ngayong 2nd month hindi na. So I made a purchase this month exactly June 3. There were 2 purchases, one amounting to 4200+ and the other one is 300+. Both transactions are posted on the same day. After a few days I received a notification that my bill is ready for the amount of 4200 and is due on June 15. So it’s like 12 days lang dapat mabayaran mo na agad or you can avail their 3/6 month plan, which is kung yun ang pipiliin mo you will pay for the interest on June 15 pero wala pang 1 month yung from the date of transaction. I immediately sent an email to their support, and what they told me is - they cannot intervene with the system and cannot do anything to move the billing date”. KALOKOHAN! sistema nyo wala kayo magagawa?? Siguro tactic nyo talaga yan para makakuha kayo ng malaking interest sa customers nyo. Take note 12 days pa lang yung transaction pero pagbabayarin ka na agad ng interest. Eto pa nakakatawa, my other transaction amounting to 300+ will be billed in August. Sabi pa ng bobong CS nila na nauna daw maipost yung 4200+ at naisama ng system sa May5-June6 billing. Eh mas nauna ang transaction ko na mas mababa kesa dun sa isa. Walang kwenta ang CS nyo! Kung gusto nyong mag retain ng maaayos na customers turuan nyong mag resolve ng issue ang mga yan hindi yung makasagot lang sa e-mail! Anyways, I am planning to close my account after I paid my balances. Simula pa lang sakit na kayo sa ulo.
Walang kwenta ang customer service!
07/07/2024
Love everything Peplum!

Malaking pagsisisi na nag avail ako ng Atome na to. At first month ok naman sya. Pero ngayong 2nd month hindi na. So I made a purchase this month exactly June 3. There were 2 purchases, one amounting to 4200+ and the other one is 300+. Both transactions are posted on the same day. After a few days I received a notification that my bill is ready for the amount of 4200 and is due on June 15. So it’s like 12 days lang dapat mabayaran mo na agad or you can avail their 3/6 month plan, which is kung yun ang pipiliin mo you will pay for the interest on June 15 pero wala pang 1 month yung from the date of transaction. I immediately sent an email to their support, and what they told me is - they cannot intervene with the system and cannot do anything to move the billing date”. KALOKOHAN! sistema nyo wala kayo magagawa?? Siguro tactic nyo talaga yan para makakuha kayo ng malaking interest sa customers nyo. Take note 12 days pa lang yung transaction pero pagbabayarin ka na agad ng interest. Eto pa nakakatawa, my other transaction amounting to 300+ will be billed in August. Sabi pa ng bobong CS nila na nauna daw maipost yung 4200+ at naisama ng system sa May5-June6 billing. Eh mas nauna ang transaction ko na mas mababa kesa dun sa isa. Walang kwenta ang CS nyo! Kung gusto nyong mag retain ng maaayos na customers turuan nyong mag resolve ng issue ang mga yan hindi yung makasagot lang sa e-mail! Anyways, I am planning to close my account after I paid my balances. Simula pa lang sakit na kayo sa ulo.
Useless VA’s/Customer support and Payment issues
14 Apr
I_HOPETHISAPP_GOES_BANKRUPT
I’m just gonna sum it all up since reviews are pointless in this app and reaching out is useless because they still wouldn’t listen anyway but here I am. I’m very disappointed with this app, it did not meet my expectations and it literally makes you pay more than double the amount of the credit you borrowed. There’s an error on their app with regards to your payment in which after paying your outstanding balance, the sign that you already paid is present but your balance would remain the same and would only update once you’ll make another payment which overlaps your old payment leaving you to pay another amount even though in reality you were supposed to not have any outstanding balance left.VA’s or customer support here are pointless and useless, tinalo pa bdo na “We find ways”, always finds a reason to disrupt you while explaining the problem, never listens, apathetic, professional raigebaiters, can’t fix and issue or a problem, only cares about their salary, has no respect with clients and debtor, literally useless. It’s like they’re trying to turn you into one of their funders, and mind you; even after paying they still would call you and disturb you, meaning having a wide screen in front of them with your account details and updates is super pointless because they still wouldn’t see it anyway due to their Medozoic era type of computer programing and site/account handling. Their app literally takes a millennium to update after your payment or sometimes it wouldn’t update at all. In conclusion and to make the long story short, to those who hasn’t tried this app before; please read all the reviews and never download this app even when you’re in a desperate need of money, don’t be as stupid as me :)

Developer Response
Hi, we apologize for the inconvenience. We'd love to help you. Please write to support@atome.ph and our team will help resolve your issue quickly. - Ghia
Useless VA’s/Customer support and Payment issues
14 Apr
I_HOPETHISAPP_GOES_BANKRUPT

I’m just gonna sum it all up since reviews are pointless in this app and reaching out is useless because they still wouldn’t listen anyway but here I am. I’m very disappointed with this app, it did not meet my expectations and it literally makes you pay more than double the amount of the credit you borrowed. There’s an error on their app with regards to your payment in which after paying your outstanding balance, the sign that you already paid is present but your balance would remain the same and would only update once you’ll make another payment which overlaps your old payment leaving you to pay another amount even though in reality you were supposed to not have any outstanding balance left.VA’s or customer support here are pointless and useless, tinalo pa bdo na “We find ways”, always finds a reason to disrupt you while explaining the problem, never listens, apathetic, professional raigebaiters, can’t fix and issue or a problem, only cares about their salary, has no respect with clients and debtor, literally useless. It’s like they’re trying to turn you into one of their funders, and mind you; even after paying they still would call you and disturb you, meaning having a wide screen in front of them with your account details and updates is super pointless because they still wouldn’t see it anyway due to their Medozoic era type of computer programing and site/account handling. Their app literally takes a millennium to update after your payment or sometimes it wouldn’t update at all. In conclusion and to make the long story short, to those who hasn’t tried this app before; please read all the reviews and never download this app even when you’re in a desperate need of money, don’t be as stupid as me :)
Developer Response 16 Apr
Hi, we apologize for the inconvenience. We'd love to help you. Please write to support@atome.ph and our team will help resolve your issue quickly. - Ghia
My first review was deleted.
26/12/2023
Mansoor Sil-ayen
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
My first review was deleted.
26/12/2023
Mansoor Sil-ayen

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 30/03/2023
Apologies for the inconvenience. Thanks for the review. -Toni

【 New: Atome Card Cashback! 】Earn up to ₱6,000 cashback and more rewards. Successfully refer Atome Card to friends and family and receive a reward for every application step they accomplish.

Version 2.167.0 3 Jul

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, for example, on the features you use or your age. Learn More

Accessibility

Information

Provider: NEURONCREDIT FINANCING COMPANY INC.
Size: 210 MB
Category: Shopping
Compatibility: Requires iOS 14.0 or later.

iPhone
Requires iOS 14.0 or later.

iPod touch
Requires iOS 14.0 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 and 6 more

English, Indonesian, Japanese, Malay, Thai, Traditional Chinese, Vietnamese
Age Rating: 4+

4+

Learn More

Developer Website

Privacy Policy

Supports

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The simplest way to get all your passes in one place.

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Atome PH - Buy Now Pay Later

Ratings & Reviews

Spending limit decrease

Walang kwenta ang customer service!

Useless VA’s/Customer support and Payment issues

My first review was deleted.

What’s New

App Privacy

Data Used to Track You

Data Linked to You

Data Not Linked to You

Accessibility

Information

Supports

Wallet

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Landers Superstore

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Penshoppe