Atome
Claim this toolSplit purchases into interest-free payments and manage spending across thousands of retailers.
Free plan available, paid tiers aboveVisit WebsiteFreemium Visit Website
Tracked since 2026
The Bottom Line
- Price
- Free plan available, paid tiers above. Compare plans
Key facts
- Split purchases into 3 interest-free payments.
- Shop online and in-store at thousands of retailers.
- Manage spending and track payments via a mobile app.
Pros
- Allows immediate purchase of items without full upfront payment
- Provides interest-free payment options
- Easy account setup and payment management through a mobile app
- Wide network of partner retailers
- Offers additional rewards and cashback through Atome+
Cons
- Longer payment terms may incur small fees
- Requires managing multiple payment installments
What is Atome?
Atome is a buy now, pay later (BNPL) service that allows consumers to split their purchases into multiple interest-free payments. It empowers users to manage their spending by offering flexible payment options, either through three interest-free installments or extended payment plans with a small fee, depending on the merchant. The service is accessible via a mobile app, enabling users to track payments and shop at a wide array of online and in-store retailers across the region.
Beyond flexible payments, Atome offers a rewards program called Atome+ where users can redeem exclusive privileges, earn instant cashback, and participate in in-app games to win prizes. This platform is designed for shoppers looking for financial flexibility and added value from their purchases, as well as retailers aiming to increase basket sizes, improve conversion rates, and attract new customers by offering flexible payment solutions.
Available on: Web, iOS, Android
Louis Corneloup Source atome.sg ↗
Key Features
- Split purchases into 3 interest-free payments
- Option for more payment time with a small fee
- Mobile app for account setup and payment tracking
- Access to thousands of online and in-store retailers
- Atome+ rewards program with exclusive privileges
- Instant cashback on purchases
- In-app games with Atome+ points
Pricing
Freemium
Atome offers a generous free tier with optional paid upgrades for advanced features.
Reviews
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Atome FAQ
How does Atome's 'Buy Now Pay Later' service work?
Atome allows you to split your purchase into 3 interest-free payments. You can get your desired items immediately and pay for them in installments over time, with the option for longer payment periods with a small fee.
What are the benefits of using Atome+?
Atome+ offers exclusive rewards, instant cashback on your shopping, and the opportunity to play in-app games with Atome+ points to win prizes. It enhances your shopping experience with additional privileges.
Can Atome be used for both online and in-store purchases?
Yes, Atome is accepted at thousands of retailers across the region, allowing you to use the service for both online shopping and in-store purchases.
How do I manage my payments with Atome?
You can easily set up your account and track all your payments anytime directly from the Atome mobile app, giving you full control over your spending.
Source: atome.sg