Atome
Southeast Asian buy now, pay later app that splits purchases into three interest-free payments.
Updated · AppBreakup editorial · iOS, Android
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About Atome
Atome is a buy now, pay later service run from Singapore and used across several Southeast Asian markets. At checkout with partner retailers, online or in a physical shop, a shopper can split the bill into three instalments with no interest, or choose a longer plan that carries a small fee. Payments, due dates and spending are tracked in the Atome app. The merchant list leans towards fashion, beauty, electronics, lifestyle and travel brands, and the app doubles as a shopping directory with deals. A rewards layer called Atome+ adds points, cashback and in-app games. For shoppers the basic three-way split is free if paid on time; retailers pay Atome to offer it. Atome is part of Atome Financial and the wider Advance Intelligence Group. It only works with participating merchants, so it suits people who shop regularly at the brands it partners with rather than as a general credit line.
Best for: Shoppers in Singapore and nearby markets who want to split purchases at partner brands without interest.
Atome pricing (checked Nov 8, 2026)
Each line is quoted from Atome's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| Longer plans | Small fee | Nov 8, 2026 | atome.sg |
Pros and cons
What works
- Three-way split carries no interest when paid on time
- Works online and in physical shops at partner retailers
- App shows every upcoming payment in one place
- Atome+ points and cashback on purchases
Why people leave
- Only usable at participating merchants
- Longer instalment plans add a fee
- Mostly limited to Southeast Asian markets
Atome vs GCash
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
| Attribute | Atome | GCash |
|---|---|---|
| Pricing | Free plan + paid | Free |
| Verified price | — | — |
| Free plan | Yes | Free app |
| Open source | No | No |
| Self-hostable | No | No |
| Platforms | iOS, Android | iOS, Android |
Top Atome alternatives
See all 1- 1
GCash52.6For shoppers in the Philippines, GCash's GGives and GCredit offer instalments inside the wallet most people already use.
Why people left Atome
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
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Reviews
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Atome: common questions
What is Atome?
Atome: Southeast Asian buy now, pay later app that splits purchases into three interest-free payments. Best for shoppers in Singapore and nearby markets who want to split purchases at partner brands without interest. Available for iOS and Android.
Is Atome free?
Atome has a free plan and paid plans.
How much does Atome cost?
Atome is free with paid plans. Longer plans: Small fee. Checked on Atome's own site, November 2026.
Is Atome open source?
No, Atome is not open source.
What platforms does Atome run on?
Atome is available for iOS and Android.
What are the best alternatives to Atome?
The highest-ranked Atome alternatives right now are GCash. See the full ranked list for pricing, platforms and verified facts.
Atome vs GCash: what's the difference?
Atome is free with paid plans; GCash is free to use. Both run on iOS and Android.