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Say hello to smarter shopping with Atome — the all-in-one app that makes Buy Now, Pay Later and instant financing effortless.
Split into 3 payments. For quick cash, try Atome i-Cash—fast and hassle-free, no paperwork. Your life, your shopping—together in Atome.
▶ Open an Atome account now and get up to RM20 off your first purchase! ◀

【What you can do with Atome】
▶ Shop now, pay later
Shop smarter with Atome by splitting your bill into 3 manageable monthly payments online or in-store. Get what you love with flexible payments that fit your lifestyle, and exciting perks like daily vouchers, monthly giveaways for the chance to win exclusive prizes.
Thousands of popular brands in Malaysia accept Atome — across fashion, beauty, electronics, fitness, travel, home and more. Whether you shop at international labels or local favorites, Atome fits right in.
Some most loved categories:
- Fashion & Beauty: Sephora, SHEIN, Zalora, JD Sports
- Electronics & Tech: Samsung, Switch, Machine
- Travel & Hotels: Agoda, Batik Air, Airpaz
- Essentials & Lifestyle: Guardian, Watsons, Decathlon

▶ Get your financing needs met with Atome i-Cash
Atome i-Cash offers fast, secure, and fully Shariah-compliant financing under the principles of Tawarruq. Whether you're planning a trip, shopping for the latest trends, upgrading your education or boosting your business, Atome i-Cash has you covered with flexible financing plans up to MYR 15,000.
- High financing limits: Get up to MYR 15,000 for life's needs.

- Sign up fast—ID only
- Transparent fees: Super low rates starting at 1.5% per month, no hidden charges.

- Fast disbursement: Get your cash in as little as 2 minutes after approval.

- Flexible repayment: Choose a plan that works for you, with up to 12 installments.

【Key features:】
- Pay in 3 interest-free payments — Split your purchases into easy, zero-interest instalments.
- Flexible repayment plans — Need more time? Choose payment plans that fit your budget.
- Fast financing — Apply online for quick financing with instant approval.
- Smart budgeting — Keep track of your spending, manage bills, and never miss a payment.
- Cashback & vouchers — Earn rewards and enjoy exclusive cashback offers.
- Pay & go simplicity — Make payments with just one tap, whether shopping online or in-store.
【How to Shop and Apply for BNPL with Atome】
Shopping with Atome is simple and flexible. Choose Atome as your payment method at over 13,000 popular brands across Malaysia — from fashion and beauty to electronics, travel, and more. At checkout, split your purchase into easy monthly payments with buy now, pay later.
Here’s how it works:
- Select Atome as your payment option online or in-store.
- Complete a quick and easy application through the app or merchant site.
- Get instant approval and split your payment into three easy installments.
- Enjoy your purchase now and pay later — stress-free and flexible.
【Safe & Secure】
Atome is fully licensed and regulated with bank-level security and encryption. Your personal data, card information, and transactions are protected every step of the way.
up to RM20 Welcome Reward
New to Atome? Download the app and enjoy up to RM20 voucher on your first purchase. It’s our way of saying welcome to the smarter side of spending.
Download Atome Now
Experience the freedom to shop, spend, and pay your way. Whether you need financing, want to split payments, or pay anywhere with Atome at over 13,000 brands, we're here to help you.
Download today and take control of your money with smarter payments, bigger rewards, and zero stress.
【Contact Us】
Email [email protected].
Connect with us via:
Website:https://www.atome.my/
Facebook:https://www.facebook.com/atomemalaysia
Instagram:https://www.instagram.com/atome.my
LinkedIn:https://www.linkedin.com/company/atomesg
YouTube:https://www.youtube.com/channel/UCgRFa6jWxTMTja_BOSQcggQ