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About Atome

Shop the hottest brands with the Atome app and pay only one-third today. Enjoy a flexible shopping experience with Atome.

Atome is a leading Buy-Now Pay-Later (BNPL) platform in Asia.

Launched in December 2019, Atome is pronounced “A-To-Me” and stands for “Available to Me”. The platform partners with thousands of online and offline retailers across fashion, beauty, lifestyle, fitness, and homeware categories.

Atome operates across multiple markets in Southeast Asia and Greater China, with availability varying by country and region. It is part of Advance Intelligence Group, an AI-driven technology company headquartered in Singapore, with operations spanning South and Southeast Asia, Latin America, and Greater China.

Advance Intelligence Group was recognised as the No. 1 startup on LinkedIn’s 2021 Top Startups List in Singapore.

How it works

Is using Atome free?

For consumers, Atome is generally free to use, provided that:

• You maintain sufficient balance or credit limit in your linked payment method to enable successful debits; and
• You do not miss any scheduled payments.

Late payment fees, account restrictions, or other charges may apply if instalments are not paid on time. Always refer to Atome’s latest terms and conditions.

Getting started

To get started:

1. Select Atome
   • For online purchases, select Atome at checkout. For participating offline stores, scan the QR code at the cashier.
2. Make payment
   • Atome splits your bill into three equal instalments. You pay the first instalment at the point of purchase, with the remaining two payments charged approximately 30 days apart. No interest is charged on on-time payments.
3. Check bills
   • View your payment schedule and instalment status under “Bills” in the Atome app. You will also receive notifications when payments are due and when your instalment plan is completed.

Earning Atome+ points

Atome+ is Atome’s loyalty rewards programme. For every S$2 spent using Atome, you earn one Atome+ point.

Earning is capped at 500 points per transaction and 2,000 points per day, subject to Atome’s prevailing terms.

Using Atome+ points

As of 1 February 2024, Atome+ points can no longer be used to offset purchases directly. Points may instead be redeemed for selected vouchers and partner rewards, subject to availability and Atome’s terms.

Payment options

Supported payment methods in Singapore include:

• Eligible credit or debit cards
• Apple Pay
• PayNow

Available payment options may vary depending on user eligibility and local regulations.

What happens if I plan to cancel a credit card that I used with Atome?

Before cancelling a linked credit card, you can choose to settle any outstanding instalments in full via the Atome app to avoid payment disruptions.

Brands partnering with Atome

Below is a non-exhaustive list of brands that accept Atome:

• Amazin’ Graze
• BHG (Singapore)
• Heure Beauty
• HipVan
• IUIGA
• Lazada
• lookfantastic®
• Marks & Spencer
• PowerPac
• RE:ERTH
• Sephora
• Zalora
• Zara

Partner availability may change over time.

Using Atome in Malaysia

Atome has launched an overseas shopping beta that allows Atome Singapore users to make purchases with selected merchants in Malaysia.

Transactions are displayed in Malaysian Ringgit (MYR) and converted to Singapore Dollars (SGD) at the applicable exchange rate. The final SGD amount is shown before payment confirmation.

Cross-border usage is subject to merchant eligibility, exchange rates, and Atome’s prevailing terms.

Birthday Benefits