Referral Codes · Shopping
Atome referral link and promo codes for Singapore
What Atome’s invite link gives a new account, what your first purchase then costs on each plan, and the fees and rules from Atome’s own help centre.
Atome referral link, from Atome’s app and help centre, read 12 Nov 2026
Our Atome invite link gives a new account S$10 off its first purchase. Sign up in the app from the link, claim the voucher in the app’s Voucher Centre, and pick it at checkout. Atome’s app runs the offer from 1 Jan to 31 Dec 2026, and the sign-up and the purchase both have to fall inside it.
Pay-in-3 has no fee, so on it S$10 off is S$10 saved. Longer plans cost more: 3% once on Pay-in-6, 0.75% a month of the purchase on Pay-in-9 and Pay-in-12. A late payment costs S$15 (S$30 on purchases over S$1,000). The box works out every plan for your purchase.
Atome allows one voucher or one promo code per purchase, so it’s this or a store’s Atome code, not both.
We earn from this. It’s our editor’s own invite link: Atome gives that account 1,000 points, which its app values at S$10, after your first purchase. Your S$10 is the same whichever member’s link you use.
How the invite works, step by step
- Install Atome from the link and sign up Atome’s help centre says the friend “must download the Atome app via your unique referral link”, then register. If you install it another way, the invite doesn’t count, and Atome describes no way to add one afterwards.
- Claim the S$10 voucher in the Voucher Centre The app’s invite screen says the S$10 is “claimable from voucher centre”. Tap its ⓘ there: Atome puts each voucher’s own conditions, such as which stores take it, behind that button.
- Pick it at checkout on your first purchase Atome’s vouchers work in the app only, and its terms allow one voucher or one promo code per purchase. In a shop, you scan the store’s Atome QR code and choose the voucher on the confirmation screen before you pay.
- Sign-up and purchase inside the offer period Atome’s help centre says both have to fall within the period on the app’s Refer a friend page. When we looked, that ran to the end of December.
- The member who invited you gets points After your first purchase, Atome credits the account whose link you used with 1,000 Atome+ points, which the app values at S$10. Your voucher doesn’t change.
Atome’s plans and what each one costs
Pay-in-3 is Atome’s standard plan and has no fee. The longer plans charge a processing fee, and the two kinds work differently: Pay-in-6 takes 3% once, in the first payment, while Pay-in-9 and Pay-in-12 take 0.75% of the purchase for every month of the plan. Paying a Pay-in-9 or Pay-in-12 plan off early doesn’t cut that fee; Atome says it is charged “as if the agreed payment plan had run its full course”. Atome shows the fee before you confirm, and the box above works it out for your purchase.
| Plan | Payments | Processing fee | Smallest purchase | Who gets it |
|---|---|---|---|---|
| Pay in full | One, the day after you buy | None | S$1.50 | Selected users and stores |
| Pay-in-3 | 3, 30 days apart | None | S$1.50 | Standard plan, no fee |
| Pay-in-6 | 6, 30 days apart | 3% of the purchase, once, in the first payment | S$3.00 | Selected stores; some waive the fee |
| Pay-in-9 | 9, 30 days apart | 0.75% of the purchase a month, 6.75% over the plan | S$4.50 | Selected users and stores |
| Pay-in-12 | 12, 30 days apart | 0.75% of the purchase a month, 9% over the plan | S$6.00 | Selected users and stores |
From Atome’s help centre, read 12 Nov 2026. The first payment is taken the day after you buy, the rest every 30 days.
The yearly rates in the box treat a plan as a loan of the purchase price, repaid on Atome’s dates, with the fee as its cost. Pay-in-6’s 3% works out at about 16% a year, more than the 3% suggests, because the fee comes in the first payment and the rest is repaid over 5 months. Pay-in-9 and Pay-in-12 come to about 21% to 22% a year. These rates are the same whatever the purchase, unless you repay by American Express.
What a late payment costs
Atome takes each payment from your card by itself and sends a reminder the day before. If that fails on the due date, Atome suspends the account and charges an admin fee of S$15 for each late bill on a purchase under S$1,000, or S$30 above S$1,000. The fee is per overdue payment, not per failed attempt, and the account opens again once everything is paid. Atome says it doesn’t defer payments. You can pay a bill by PayNow if a card fails, with no fee.
One more card charge: repayments by American Express carry S$1 each after the first payment. Atome waives that fee on Visa, Mastercard and UnionPay cards for now.
Atome promo codes and vouchers
Atome has no public list of promo codes. Its codes and vouchers come from inside the app: the Voucher Centre, each store’s page in the app’s search, the What’s New section and deal banners. Most are for a particular store. Two rules from Atome’s voucher terms decide what you can use:
- One voucher or one promo code per purchase, so a new account uses the S$10 invite voucher or a store code, not both.
- Vouchers work in the app; promo codes work in the app and on Atome’s website checkout. Neither can be added to a purchase afterwards.
If you refund part of a purchase that used a voucher, Atome keeps the voucher’s share of what you refund. Its example: a S$10 voucher on a S$112.85 order is 8.86% of it, so a S$3 refund comes back as S$2.73.
Who can sign up, and the spending limit
Atome asks for an age of 18 or more, a Singapore mobile number, an NRIC or FIN, an email address and a credit or debit card. You verify the account with Myinfo through Singpass. Atome says most new users get a spending limit of S$1,000 with a debit card as the main card, or S$3,000 with a credit card, and that a purchase can still be declined. The smallest purchase is S$1.50; the longer plans need more, as in the table above.
Who regulates Atome
Atome Singapore is run by Apaylater Financials Pte. Ltd. Its own page on the subject says its buy now, pay later service “is not regulated by the Monetary Authority of Singapore”. The company holds a Major Payment Institution licence under the Payment Services Act for its payment services, and it follows the industry’s BNPL Code, run by the Singapore FinTech Association. Under that code fees are capped and not compounded, and providers offer help to customers in financial hardship. The money you pay Atome is held in trust accounts at a Singapore bank, apart from Atome’s own.
Already on Atome? Your own invite link
Your link is in the app under Me, then Refer a friend. Atome gives you 1,000 Atome+ points for each friend who signs up from it and makes a first purchase in the offer period, with no limit on how many friends. The app values 1,000 points at S$10. Points last a year and expire at the end of that month. You also earn 1 point for every S$2 you spend on Atome, about 0.5% back at that value, and can use points for vouchers, lucky draws and partner rewards.
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Questions
Is the S$10 voucher the same as a promo code?
No. It’s a voucher you claim in the app’s Voucher Centre, not a code you type. Atome counts one voucher or one promo code per purchase either way.
Does the S$10 voucher work in shops?
Atome’s vouchers work in its app, and in a shop you pay by scanning the store’s Atome QR code with the app, so in principle yes. Some stores and some purchases can be left out: the voucher’s ⓘ in the Voucher Centre lists where it works.
Is Atome’s Pay-in-3 really free?
Atome’s help centre says Pay-in-3 is interest-free and has no processing fee. The costs come from paying late (S$15 or S$30 per late bill) and S$1 per payment after the first if you repay by American Express.
Can I lower the first payment?
No. Atome says the first payment, or down-payment, is set by its own checks and can’t be changed, and that for some accounts or items it may be larger than the others. The app shows every payment before you confirm.
Can I pay my Atome bills by PayNow?
Yes, with no fee. Atome also gives a small discount on the purchase part of a bill paid by PayNow; its example uses 0.5% and says the figure is for illustration.
What if my friend didn’t use my link?
Then no points. Atome’s help centre says the friend must install the app and register from your link, and make a purchase in the same offer period.
Changes to this page
No corrections yet. The first one will be listed here, with the date and what changed.
New: Atome referral link for Singapore. The S$10 off a first purchase our invite link gives, a box that lays out what your purchase then costs on every Atome plan, with payment dates, fees and the fee as a yearly rate, plus Atome’s late fees, promo code rules, sign-up requirements and who regulates it, all from Atome’s help centre. See the page
How we know this
The S$10, the 1,000 points and the offer period come from our editor’s own Atome app on 12 Nov 2026 (its Refer a friend screen). Plans, fees, minimums, late fees, the spending limit and the voucher rules come from Atome’s help centre, and who regulates Atome from its BNPL Code page, all read on 12 Nov 2026. Our link hasn’t brought in a sign-up yet, so the voucher’s own minimum spend and store list, which show only to a new account, are Atome’s to set and we haven’t seen them. The yearly rates are our arithmetic on Atome’s published fees and dates; Atome’s app shows the real amounts before you pay. The other apps we keep codes for, checked the same way, are on our Referral Codes page.