Split an 11.11 order into three equal payments 30 days apart, with the first due at checkout.
Nov 11, 2026 · Three equal payments · 30 days apart
Active
Black Friday Sale: Jollibee Card and Partner Offers
Atome's card works at more than 1,300 Jollibee stores, and partners include Agoda and Watsons. Check the app for Black Friday offers.
Nov 27 to 30, 2026 · Partner brands · Terms apply
Atome is a Singapore-founded buy now pay later app. Its pay-in-3 plan splits a purchase into three equal payments 30 days apart, with the first due at checkout. It also issues a card accepted at more than 1,300 Jollibee stores. It is popular for fashion, beauty and gadgets, especially around payday and sale weekends. As with any BNPL, only spend what you can repay on time. Browse our online shopping savings tips for ways to combine installments with vouchers.
There are two reliable ways to apply a Atome Philippines coupon. The fastest is to paste the code directly into the search bar at the top of the app or website, the discount applies automatically to eligible products before you reach checkout. Alternatively, click through our verified link and the code auto-applies as you browse.
Once you're at the checkout page, double-check the voucher or coupon section. Any stored vouchers in your account will appear here and can be applied on top of sale prices. If you're a new user, your welcome code activates automatically, you don't need to enter anything manually.
"Nag-order ako ng sapatos at skincare gamit ang Atome nung sale. Hinati sa ilang bayad kaya hindi nasakal ang budget ko. Siguro mas maganda kung isa lang ang bibilhin kada buwan para hindi sumobra."
Atome Philippines pay in installments partner offers, updated weekly by TipidNation. Check the terms of each offer before you apply or send.
Atome vs. The Alternatives
When should you use Atome, and when is the competition the better bet? Here's the honest breakdown.
Atome sets a limit after reviewing your application. Plans are typically short, and repayments are billed automatically on due dates.
Keep funds ready in your linked card or wallet. Shoppers eyeing the Black Friday Sale should map out all three payment dates before checkout. In rainy season, delivery delays are common, so factor timing into your purchases before the first installment is due.
Your 5-Step Atome Guide
1
Download Atome
Install the app and register with your mobile number.
2
Verify Your Account
Submit ID and link a payment method.
3
Pick a Partner Store
Browse the in-app list of participating brands.
4
Choose Atome at Checkout
Select the installment plan and confirm.
5
Repay on Schedule
Keep your payment source funded to avoid late fees.
Frequently Asked Questions
Is Atome legit in the Philippines?
Atome is a regional BNPL app operating in several countries, including the Philippines. Check the app's terms and registration details.
Where is Atome from?
Atome comes from Singapore and is part of the Advance Intelligence Group.
Does Atome charge interest?
Pay-in-3 purchases are marketed as interest-free, but some sources mention small fees on longer plans, and late charges apply. Read the terms in the Atome PH app for each order.
What stores accept Atome?
Partners have included Agoda, Watsons and Jollibee. The list changes, so check the app.
What happens if I miss an Atome payment?
Late fees may be charged and future limits could be reduced. Contact support if you need help.
Still Here? Don't Leave Without the Code
9 active Atome codes, free to use, no sign-up required.
