Source: https://fintech.ph/listing/atome-ph

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# Atome

Buy now, pay later at 0% interest

[Buy Now Pay Later](https://fintech.ph/category/bnpl) [Lending](https://fintech.ph/category/lending) [Payments](https://fintech.ph/category/payments)

[Visit website](https://www.atome.ph/)

- **Founded**: 2021
- **Headquarters**: Metro Manila, Philippines
- **Stage**: Growth
- **Licences**: 1. SEC

## Overview

Atome is a buy-now-pay-later (BNPL) and consumer-finance app that launched in the Philippines in 2021, operated locally by SEC-registered Neuroncredit Financing Company Inc. and part of Singapore's Advance Intelligence Group. It lets shoppers split purchases interest-free across hundreds of partner merchants and via the Atome Card (Mastercard), and also offers Atome Cash personal loans and Atome Savings. The Philippines is Atome's second-largest market, with 1.6M cards issued by late 2025 and partnerships with Maya Bank and Jollibee.

### Products

- Atome Card (Mastercard)
- Atome PayLater (0% installments)
- Atome Cash (personal loans)
- Atome Savings

### Serves

Online shoppers Consumers

## Funding and ownership

Stage

Growth

Parent organisation: Advance Intelligence Group

### Investors and shareholders

SoftBank Vision Fund 2 Warburg Pincus EDBI Northstar

## People

- Christian Eugene Quiros President & Country General Manager (Philippines)
- Jefferson Chen Chairman & Group CEO (Advance Intelligence Group)

## Licences and certifications

- [SEC Financing Company — Neuroncredit Financing Company Inc. (CS201816338; Certificate of Authority No. 1178)](https://fintech.ph/licence/financing-companies) [Check: SEC lists of lending and financing companies](https://www.sec.gov.ph/lending-companies-and-financing-companies-2/)
- SEC-supervised financing company Certification

## Awards and recognition

- #1 Most Popular BNPL App in Asia by MAU — 2025 Sensor Tower APAC Awards

Something out of date? [Suggest a correction](https://fintech.ph/contact)

## Contact and links

[atome.ph](https://www.atome.ph/)

- [x](https://twitter.com/atomesg)
- [youtube](https://www.youtube.com/channel/UCgRFa6jWxTMTja_BOSQcggQ)
- [facebook](https://www.facebook.com/atomephilippines)
- [linkedin](https://www.linkedin.com/company/atomesg)
- [instagram](https://www.instagram.com/atome.ph)

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[More in Buy Now Pay Later](https://fintech.ph/category/bnpl)

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From fintech.ph, an independent directory of fintech companies in the Philippines, as of October 27, 2026. Please link to https://fintech.ph/listing/atome-ph when citing this page.