Yes, Atome is a registered and regulated company in Singapore. Shopping with Atome is a safe and secure shopping experience. Find out more about how Atome protects your personal information in the terms and conditions and privacy policy.

If you missed a scheduled payment, we will charge you an administration fee and freeze your account until the outstanding amounts are paid.

To reactivate your account, we will charge a RM50 fee. If this reactivation fee and instalment is not paid within seven days, an additional RM25 fee will be charged. In Malaysia, the maximum administrative fee is capped at RM150 per transaction.

Your account will be frozen and you will be required to pay all outstanding amounts due plus an administrative fee:
Days Past Date: 2 Days – 50 MYR charged Days Past Date: 8 Days – 25 MYR charged

1. Customer has to make full payment of all existing payments for their account to be reactivated
2. Should customer have any other concerns, please contact Atome support team or head over to Atome’s website.

1. App repayment.
   Go to your ATOME APP. Select “Check and Pay” overdue bills. Update your credit or debit card details.
2. Auto-Deduction
   Deposit sufficient funds to the debit/credit card bound to your Atome account for auto deduction.

To use the service, you must:

1. Be at least 18 years of age
2. Currently reside in Malaysia
3. Have a mobile phone number registered under your MyKad with your telco
4. Own a credit or debit card that will be used to pay for your purchases on Atome
5.  

Atome can go for 3, 6, or 12 months instalment plan. The 6 or 12 months payment plan applies a service fee of 1.5% per month with a minimun spend of RM10 for Malaysia.

Atome is a free service: there are no hidden service fees or interest charges if you pay all your scheduled instalments on time. That said, the merchant you’re shopping with may charge you additional fees for using Atome to pay – that’s between you and the merchant you’re buying goods from.