Atome makes Buy Now Pay Later easier and offers BNPL payment with 0% interest at various brands in Singapore
What is Atome's Revenue?
Atome's estimated revenue is $233M.
What does Atome do?
Atome makes Buy Now Pay Later easier and offers BNPL payment with 0% interest at various brands in Singapore
Makes lives easy, especially for those who is in tight budget like me.
Makes lives easy, especially for those who is in tight budget like me. I'd been using this mostly for booking a flight ticket for emergency or to maximize my available on hand cash. Atome on the go!
Terrible UI
Honestly the interest is not the best. On top of that, the UI made it really hard for me to figure out the actual limit that I can use. Not only that there are zero reminders so I need to be really on the ball om checking the deadlines, which is not realistic if I'm very busy with my schedule. Please make the UI UX a bit more simple and intuitive.
Ineffective Customer Service on Fraud Issue
I barely got any response on my fraud issue in my card. I had to reach out to the merchant in order to get my refund. There was an unauthorized transaction in my physical card and they were not able to help me out on the matter. CS only reached out to me twice and did nothing. Before all that, I have a great experience because I get to increase my credit limit almost 3x in just 5 months. No issues other than mentioned above since I always pay my debt before due date.
WORST COMPANY FOR YOU TO USE
With reference to the same encounter as MAX. They have violated the consumers privacy and its considered harassment beyond words. You missed one month they charge you for the one month. You were diligent in paying the rest of the months. They are worst than loan sharks. at least 30 missed called from them everyday with different number. EXCUSE ME, ONE MISSED PAYMENT IS NOT CONSIDERED RUNNING AWAY. What if there is legit reasons form missing out? WELL YOUR CONSTUMER SERVICE ARE SO BAD, At least 30 calls in a day ? what kind of harassment is that. Even after you paid, they still continue to call you! Max PH • 2 reviews Mar 27, 2025 Rated 1 out of 5 stars Unfair Debt Collection Practices and Consumer Rights Violations I’ve decided not to pay my bills with them in advance anymore. They’re quick to chase payments when they’re due but fail to appreciate customers with a strong payment history. Moreover, their debt collection practices are unjust and harassing—calls are nonstop regardless of the time or day of the week. This violates several consumer protection laws, including Republic Act No. 10173 (Data Privacy Act of 2012) for excessive and unauthorized disclosure of personal information, as well as Republic Act No. 7394 (Consumer Act of the Philippines) for unfair debt collection practices. Additionally, their actions may also be in violation of SEC Memorandum Circular No. 18, Series of 2019, which regulates unfair debt collection harassment, including excessive calls, threats, and public shaming.
The worst customer service ever
The worst customer service ever. I placed an order in store by scanning their QR code and the payment went through without me clicking anything else. To my surprise they subscribed me without my consent on an insurance company for a monthly payment ( again , I had zero knowledge and I never gave my consent during the purchase process ) After receiving the email of the insurance company ( Chubb ) welcoming me as a new client I started a journey of emails and chats coming back and forth both with Atome and Chubb. They never provided a solution or refund , and they can’t give my any proof of me signing and policy or subscription. I managed to cancel the policy through the Atole App by myself but no one is going to be responsible for the refund of the amount I have been charged by Chubb Insurance. A SCAM altogether.
From Loyalty to Disappointment – Atome Is Failing Its Best Customers
I’ve been using Atome for years with a near-perfect repayment history — early payments, no defaults, and only one minor delay which was immediately resolved. Yet despite this, I now face frequent, humiliating payment failures not just online (Agoda), but also at retail stores and boutiques. The app keeps rejecting transactions, asking me to link a credit card (which I don’t have), even though my debit card has always worked before. I’ve tried everything — switching cards, reducing purchase amounts, trying different merchants — and still no success. Some error messages even tell me to “try again after 90 days” or to link a credit card, as if I’ve defaulted — which I haven’t. To make matters worse, I pay $2.50/month for the Atome Shopping Secure policy, and yet it does nothing to prevent this embarrassing situation at store counters. Imagine standing at a boutique, card declined, being treated like a defaulter in front of staff and other customers. It's beyond frustrating — it's unacceptable. Customer service has been unhelpful and dismissive, offering template responses and refusing to escalate to someone who can take ownership of the issue. After everything I’ve invested in this platform — trust, time, money — this is how I’m treated? Atome, your system is broken. Your treatment of responsible users is insulting. Fix your system, fix your customer service, and stop punishing your most loyal users. Until then, I’ll be warning others to think twice before relying on your app.
Worse ever services
Worse ever services. Worst ever installment company ever. Late payment within a day already charged the interest fee of SGD15. Didn't give a chance for a few days for people to settle the payment. Once you have a record of paying late fee, the next time you not able to make installment payment such as Agoda. I tried to book Agoda using Atome, but they don't allow, they said try 90 days later. WTH!!! I srsly don't recommend this ATOME. Useless, i want to quickly finish my wateva installment i have w them and i won't use it anymore. I prefer Shoppee then Atome. Useless....
Worst company ever
Worst company ever. Lousy service.
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