Atome SG - Buy Now Pay Later

5.0
36.5K reviews
500K+
Downloads
Content rating
Everyone
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About this app

Time to own it.

Say hello to happier shopping with one of Southeast Asia's leading digital consumer financing platforms.

Think of Atome as your fun yet savvy shopping buddy. We're with you wherever your passion lies - from fashion, lifestyle, travel, fitness to home decor. Our buy now, pay later magic lets you split purchases into stress-free installments. Stretch your dollar further while making your favourite products and services more reachable than ever before with Atome!

Open a free account in minutes today and enjoy a $10 voucher on your first purchase.


HOW IT WORKS

1. Pay with Atome at participating brands
If you’re shopping online, select Atome during checkout. If you’re at a offline brand, simply scan our QR code at the cashier.

2. Choose from flexible payment options
Choose from 3 interest-free payments, or opt for more time with a small processing fee. All fees are clearly displayed in the app when you transact. You'll pay the first payment at the point of purchase, and the subsequent payments monthly.

3. Earn rewards
Earn Atome+ points with every purchase! Collect Atome+ points to redeem from a wide selection of exclusive rewards in the Atome app.

4. Keep track of your bills
The Atome app does all the work for you so you’ll never miss a payment again. Easily check your payment schedule under “Bills'' on the app. You’ll also be informed whenever payments are due and when your payment cycle is complete.

WHAT YOU’LL LOVE ABOUT ATOME

1. Buy now, pay later
Split your purchases into 3 or more payments. Some things in life shouldn't have to wait. With Atome, you can get a head start. Split your purchase into 3 interest-free payments or opt for more time with a small fee at our brand partners.

2. Instant approval via Singpass and auto payments
It only takes minutes to register for an Atome account and complete your first transaction. Payments are automatically deducted from your preferred credit card or debit card — so you’ll never have to worry about missing a payment.

3. Shop online and in-store
Use Atome to pay later at all your favourite brands including Agoda, Dyson, Under Armour, Trip.com , Zalora, Adidas, Sephora, Samsung, Lululemon, SHEIN, CHARLES AND KEITH, Amazon. Atome is accepted at a wide range of offline and online shopping categories including fashion, lifestyle, travel, fitness to home decor.

4. Vouchers and deals
Download our app to get first dibs on exclusive deals. Here’s what you can expect:
- A welcome voucher on your first purchase
- Exclusive vouchers at our partner brands for new users and existing users
- Personalised recommendations to keep you updated with the latest trends

5. Protect your payments with Bill Secure (Underwritten by Chubb Insurance)
Ease your worries and cover your outstanding bill payments with Bill Secure:
- Covers up to 5 times of the transaction amount in the event of accidental death or permanent disablement
- Instant coverage upon successful enrolment

CONTACT US
Atome is dedicated to offering you the best shopping experience with our flexible payment solutions. Should you have any questions, please reach out to us at support@atome.sg.
Love using Atome? Leave us a rating and review on the app store and follow us on our social media channels:

Website: https://www.atome.sg/
Facebook: https://www.facebook.com/atomesg/
Instagram: https://www.instagram.com/atome.sg/
LinkedIn: https://www.linkedin.com/company/atomesg
Updated on
Mar 7, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Financial info
This app may collect these data types
Personal info, App activity and 2 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

5.0
35.5K reviews
Nicholas Tay
February 10, 2024
Horrendous UI experience. If i can give 0 stars i would. I spent a good 20mins trying to figure out how to checkout with the voucher on atome app and no matter what I clicked, it sent me to merchants website from the app and wherever i clicked, no voucher could be used. Customer service then says I have to use mobile app to use voucher. This was such a horrendous UI experience. ??? Please fix your user experience before advertising that there is $10 discount for first time users.
APaylater Financial Pte Ltd
March 10, 2024
Hello Nicholas Tay! We apologize for the difficulties you experienced while registering with us. You may always drop an email to support@atome.sg for us to look further into the matter you experienced :)
Jia Wen
February 1, 2024
Trash company with trash customer service and app. Used atome website once and able to use their paylater last year, fully paid on time. This year tried to use their app, turns out my account got blocked for no reason. Emailed customer support. They replied that they could not do anything about it and cannot disclose the reason why. What's the point of customer support then? Showed them proof that I was able to use it and made full payment but same reply from them. Garbage company.
2 people found this review helpful
APaylater Financial Pte Ltd
February 6, 2024
Hi Jia Wen, I understand our Customer Support team has attended to your request. Please let us know if you need any further assistance at support@atome.sg. Thank you. - JK
Shannon Loh
December 15, 2023
If I could, I would give this app 0 stars. The customer service is terrible. Late fee was charged when there was totally no mention of payment not going through on the card. Staff did not even want to waive the late fee citing protocols when I have already mentioned that Atome did not inform me of the payment not going through at all. Used to be a good app with better customer service. Now, it's just a shadow of its glorious past.
18 people found this review helpful
APaylater Financial Pte Ltd
December 23, 2023
Thank you for your time. Your feedback will give us a chance to resolve any problem that may occur and assist us in making our service better. If you have any queries, do not hesitate to reach out!

What's new

- App optimization and minor bug fixes for a more enjoyable user experience.
- Love Atome? Rate and share us with your family and loved ones!