Atome PH is an application for Android that offers flexible payment solutions for consumers in the Philippines. This platform provides credit and cash loan services.
Card
The Atome Card is a main option of the app. It allows users to split their bills into 3 or 6 month installments with 0% interest on monthly purchases. Customers can pay with this card in online and offline stores.
It is possible to attach your virtual or physical Atome Card to popular online retailer platforms such as Grab, Lazada, FoodPanda, Shopee, or TikTok Shop. Additionally, the card can be used to pay utility bills at Meralco, Maynilad, Globe, Smart, and more.
To apply for the Atome Card users need to fill in their personal information, and upload a valid ID. Approval typically takes 1-2 days. There are no minimum income requirements or paperwork.
Payments and loans
This platform supports various settlement methods. Users can choose to pay their card bills with:
- credit or debit cards;
- InstaPay via their bank’s mobile apps such as BPI, BDO, and UnionBank;
- e-wallets like Maya and GCash;
- over-the-counter payments.
For those in need of quick cash, the utility provides a fast loan option. You may apply for personal credit of up to 50 000 pesos with low interest rates. Please note that you need to register as an Atome client and make some transactions. It is necessary to have a bank account and valid Philippines ID, as well as be at least 18 years old.
Features
- it is possible to purchase various goods in installments;
- allows Filipinos to apply for loans;
- it is necessary to register with a valid ID and bank account;
- the app is free to download and use;
- compatible with current Android versions.
