Atome Referral Promo (Get $10 OFF via Referral Link)
Buy what you love & pay later
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Shop the hottest brands with the Atome app, and pay only 1/3 today! Get the shopping experience you deserve with Atome
Atome is a leading Buy-Now Pay-Later (BNPL) brand in Asia.
Launched in December 2019, Atome is pronounced “A-To-Me” and stands for “Available to Me”. They partner over 5,000 leading online and offline retailers across fashion, beauty, lifestyle, fitness and homeware.
The service is available in 9 markets across Southeast Asia and Greater China. Atome is part of Advance Intelligence Group, a Series-D AI-driven technology company headquartered in Singapore, with operations across South and Southeast Asia, Latin America and Greater China.
Advance Intelligence Group is ranked No. 1 on LinkedIn’s 2021 Top Startups List in Singapore.
How it works
Is using Atome free?
For consumers, Atome is totally free to use, as long as:
- You have maintained at all times a sufficient balance or credit limit in your account to enable the Bank to make the requisite debits for your purchases and/or
- You do not miss paying your payments.
To get started:
- Select Atome
- If you’re shopping online, select Atome during checkout. If you’re at a participating offline store, just scan the QR code at the cashier.
- Make payment
- Atome automatically splits your bill into 3 equal payments. You’ll pay the first payment at the point of purchase. The next two payments will be spread 30 days apart. No interest or hidden charges, ever.
- Check bills
- Check the status of your payment schedule under “Bills” in the Atome app. You’ll also be informed when your payment cycle is complete. That’s it!
Earning Atome+ points
Atome+ is the loyalty rewards programme of Atome. For every dollar spent using Atome, you will earn 1 Atome+ point. From 22 Dec 2022, this is capped at 500 points per transaction and 2000 points daily.
Using Atome+ points
You can choose to use your points to:
- directly offset your purchase. From 22 Dec 2022:
- redemption is in multiples of 500 points
- capped at 6000 points ($60) monthly
- capped at 30% of transaction value.
- redeem one of the many vouchers from Atome+ rewards.
- take part in sure-win ‘Spin and Win’ draws
Available payment methods:
- A valid credit/debit card
- Apple Pay
- Bank Account
What happens if I plan to cancel a credit card that I used with Atome?
Inside the Atome app, you can opt to pay up the remaining installments immediately before you cancel a card.
Brands partnering with Atome
Here is a subset of brand partners that work with Atome:
- Amazin’ Graze
- Heure Beauty
- Marks & Spencer
Personal experience sharing
Amazon.sg - unable to apply any promo code or redeem Atome points [Aug 2023]
After linking my Atome account to Amazon and clicking on ‘Buy’, the transaction just went through immediately. I had no opportunity to apply any promo code or redeem my Atome points.
HipVan - purchase from HipVan website
You can use Atome to split your payment for purchases above $100 on HipVan.
- select ‘Checkout’ on HipVan website
- select ‘Atome’ as the payment method
- a QR code will be displayed on the computer screen
- open the Atome app installed on mobile phone and select ‘Pay’
- scan the QR code and proceed to pay within the Atome app.