---
title: "Atome PH - Card & Pay Later - Bewertungen, Einnahmen und Downloads in Philippinen | Apple App Store"
description: "Your favorite buy now, pay later app is now an all-in-one financial solution for shopping, saving, loans, and bill payments in the Philippines. - Shop smarter: Scan to pay with QR Ph and enjoy flexibl"
---

# Atome PH - Card & Pay Later — Philippinen
> Loans, Savings & Bill Payment

![Atome PH App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/6e/70/d4/6e70d48b-bf84-4fdc-f9e2-77463d74f3ef/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/434x0w.png)

**Developer:** [NEURONCREDIT FINANCING COMPANY](https://apptail.io/de/developer/neuroncredit-financing-company-MIBg) (Philippinen)
**Category:** Shopping
**Rating:** 4.9/5 (268,162 ratings)
**Price:** Free
**Bundle ID:** ph.atome.paylater
**Store:** Apple App Store
**Country:** Philippinen
**Version:** 2.162.0 (released 2026-04-16)
**Original Release:** 2021-08-02
**Languages:** English, Indonesian, Japanese, Malay, Thai, Chinese, Vietnamese

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/ph/app/app/id1577294865)
**AppTail Page:** [https://apptail.io/de/app/atome-ph-card-pay-later-qLZ/philippines](https://apptail.io/de/app/atome-ph-card-pay-later-qLZ/philippines)

## Atome PH Description
Your favorite buy now, pay later app is now an all-in-one financial solution for shopping, saving, loans, and bill payments in the Philippines.
- Shop smarter: Scan to pay with QR Ph and enjoy flexible 3- or 6-month installments with the Atome Card, plus 0% interest on monthly purchases.
- Access cash instantly: Atome Cash for fast, low-interest loans for daily needs.
- Pay bills easily: A one-stop bill payment feature where you can pay utility bills such as water, electricity, mobile, postpaid, and even internet or broadband through trusted partners.
- Grow your wealth: With Atome Savings at 3.25%* p.a. interest daily.
 *Rates may adjust based on Netbank policies.
【 Atome Card 】
1. Flexible payment and installment options
  - Stretch your budget and pay later at 0% interest. Enjoy installment plans of up to 6 months.
2. Easy application
  - Apply in minutes—no paperwork needed.
3. Convenient for your needs
  - Shop with up to a ₱200,000 spending limit.
4. Pay later anywhere that accepts Mastercard
  - Use your physical or virtual Atome Card to shop online on Lazada, Shopee, Grab, and more.
  - Tap-to-pay in stores and even overseas.
  - Also compatible with apps like BillEase (via GrabPay), Home Credit, and TendoPay via Bayad and PayMongo.
5. Pay bills easily
- Square up your monthly essentials in one place. Atome now supports water, electricity, internet, and mobile bill payments through major providers, including Maynilad, Manila Water, PrimeWater, Meralco, Globe One, Smart, Converge, and more. 
6. Settle your monthly card bills
  - Pay using credit/debit card, InstaPay via bank apps such as BPI, BDO, UnionBank, or e-wallets like GCash and Maya.
【 Atome Savings 】
Atome Card users can open a secure savings account built for everyday growth.
- Earn up to 3.25% p.a. interest, credited daily
- No minimum balance, no lock-in period, and zero fees
- Deposits are protected with PDIC insurance coverage up to ₱1M
【 Atome Cash 】
Access fast, reliable cash loans when you need them most.
- Borrow up to ₱50,000
- Quick approval and seamless disbursement
- Repay in up to 12 months with low 1.75% monthly interest
- Simple requirements: valid ID, Atome account, and a bank account (BPI, BDO, UnionBank, etc.)
Download the Atome app today for a savvier lifestyle!
ATOME CARD APPLICATION ELIGIBILITY
- Valid PH ID
- At least 18 years old
- No minimum income
- No paperwork required
HOW TO APPLY
1. Download the Atome app and open the Card tab
2. Tap “Apply for free”
3. Fill in personal info and upload your ID
4. Get approved in 1–2 days
5. Receive your Atome Card via mail
HOW TO SHOP
1. Activate your card in-app
2. Use virtual card online
3. Use physical card online and in-store
ATOME CARD INSTALLMENT PLANS:
- Monthly interest rates as low as 2%
- Annual Percentage Rate (APR) ranging from 0%-46 %
- No service charges
- Installment plans are available in 3 or 6 mos.
Example total loan cost:
- Total monthly bill: ₱2,000
- Bill amount: ₱2,000
- Repayment term: 3 months
- Monthly interest rate: 2% (₱40)
- Total payment: ₱2,120 at ₱706.67/month
ATOME CASH LOAN TERMS:
- Monthly interest rates as low as 1.75%
- Annual Percentage Rate (APR) not more than 36%
- No service charges
- Installment plans for up to 12 mos.
Example total loan cost:
- Total loan amount: ₱3,000
- Repayment term: 6 mos.
- Monthly interest rate: 1.75% (₱52.50)
- Total payment: ₱3,052.50 at ₱508.75/month
Business Name: Atome PH
Corporate Name: Neuroncredit Financing Company Inc.
SEC Registration Number: CS201816338
Certificate of Authority No.: 1178
Bangko Sentral ng Pilipinas OPS Registration No.: OPSCOR-2021-0040
Connect with us via:
Web:  
           
           
Help Center:
support@atome.ph

Social media:



## Atome PH Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f7/54/fe/f754fe50-96c3-ffcd-d7c7-a40f4f1b35ec/ios_5.5_-_1.png/1290x2796.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a4/12/28/a4122859-67f1-02b6-b41c-71c0499432bb/ios_5.5_-_2.png/1290x2796.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a6/28/94/a6289414-2d33-1e46-91bf-a6bad935501b/ios_5.5_-_3.png/1290x2796.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/fc/9b/96/fc9b9631-e901-ea4c-97db-80d38c5b8c56/ios_5.5_-_4.png/1290x2796.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/48/f4/16/48f41697-1aaa-d4fc-c9b6-01d9cdf9f8e1/ios_5.5_-_5.png/1290x2796.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/5f/f7/46/5ff7466c-3aba-9c55-9e64-074db6c6ff89/ios_5.5_-_6.png/1290x2796.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/32/14/0c/32140c93-c20b-29f9-e6ae-f19fec4c2c62/ios_5.5_-_7.png/1290x2796.png)
- [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/fc/09/0c/fc090c5a-394b-d52a-3906-777107194eb7/ios_5.5_-_8.png/1290x2796.png)
- [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e7/84/a6/e784a6cd-55be-6ef4-2cef-4e227f96265e/ios_5.5_-_9.png/1290x2796.png)
- [Screenshot 10](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/b1/aa/ab/b1aaab2e-6d7d-6cca-5067-5720de70e19c/ios_5.5_-_10.png/1290x2796.png)

## Atome PH Rating Breakdown in Philippinen
- 5 stars: 247,534 (92%)
- 4 stars: 11,106 (4%)
- 3 stars: 3,906 (1%)
- 2 stars: 1,107 (0%)
- 1 stars: 4,509 (2%)

## Atome PH Reviews in Philippinen

### *---- "Bad customer service"
App is not sending through OTP so I’m not able to log in to my account. Tried reaching out to their customer service but they only replied with an automated message. What an annoying experience.
-- Leng0017, 2025-01-02

### *---- "Fraudulent activity"
I have a lot of credit cards and this is my first time experiencing a fraudulent activity. I ask them to investigate it, however they said that this is non fraud so they are asking me to pay for it. I am not the one who used it so why I am the one who suffering. 
The merchant ask me to coordinate with them so that they can coordinate too so that they can provide the information needed to remove this transaction.
-- Red Beatriz, 2025-01-01

### ***** "Highly Recommended App"
Easy to use in an online payments. Very convenient app
-- chist ambassador, 2025-01-01

### ***** "Atome"
Fast approval easy to access
-- goddess of the broken heart, 2025-01-01

### ***** "Yes I enjoy it easy to apply online"
I hope I will approve
-- Lenypet, 2024-12-30

### ***-- "Additional work address(outside PH)"
You should add other options for work address especially we have lots of opportunities now to work online and get clients/employers outside PH.
-- ₱$¥€#, 2024-12-30

### *---- "Hold-up This is evil"
Do not ever use this app credit card. If you miss to pay your bills on a due date they automatically convert your amount due into 6 months installment with with huge interest. In my case I have P17,000 and I miss to pay on time, now I have to pay it for P3,900 for 6 months. Almost double, this bank is an evil.
-- Chad201987, 2024-12-30

### *---- "COLLECTORS HARASSMENT"
Shocking Experience with Atome Card

I’ve been using the Atome Card for years and always paid my dues on time. Because of this, my credit limit was gradually increased to a decent amount. However, I overlooked a payment once, and the due date passed. That’s when things took a shocking turn.  

Their collectors began harassing me relentlessly. They didn’t just contact me, they resorted to emails, calls, texts, WhatsApp messages, and more. They even used multiple phone numbers to bombard me. To make matters worse, they said offensive things.  

It was an extremely distressing experience, and they didn’t stop until I settled the amount. I’ve since decided never to use their service again. I also shared my experience with friends and referrals to warn them and save them from going through the same ordeal.  

Never again!
-- ItchNappy, 2024-12-28

### ***** "over"
satisfied
-- Roshie Rose, 2024-12-28

### *---- "OTP"
It doesnt send any OTP thru sma or call. Been trying to open an account for 3 days now but i am not getting any otp😡
-- Sheaunry, 2024-12-28

[View all Atome PH reviews and detailed analytics on AppTail](https://apptail.io/de/account/signup?utm_campaign=ai-crawl&utm_content=reviews)


## Atome PH Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Kostenlos | Philippinen | Shopping | #2 |
| Top Kostenlos | Philippinen | Overall | #22 |

## Atome PH Discovered Keywords
- bank card checker
- bank pay
- pay later
- atome ph
- buy now pay later
- credit cards
- home credit philippines
- save for later
- payments
- buy now

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## Atome PH Available In
- [Philippinen](https://apptail.io/de/app/atome-ph-card-pay-later-qLZ/philippines)
- [Brunei Darussalam](https://apptail.io/de/app/atome-ph-card-pay-later-qLZ/brunei)
- [Indonesien](https://apptail.io/de/app/atome-ph-card-pay-later-qLZ/indonesia)
- [Japan](https://apptail.io/de/app/atome-ph-card-pay-later-qLZ/japan)
- [Thailand](https://apptail.io/de/app/atome-ph-card-pay-later-qLZ/thailand)

---

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