atome.sg
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Atome: The BNPL Unicorn Banking on Lifestyle
How a Singapore-based startup scaled to $232M revenue with a hyper-focused lifestyle strategy
Atome isn't just another payment app—it's a lifestyle ecosystem disguised as a financial tool. While competitors chase broad utility, Atome has surgically targeted the Southeast Asian consumer with a 0% interest promise that’s reshaping how 792 employees drive $232M in revenue.
"Atome's genius lies in what it ignores: banking, loans, and credit cards. It owns the checkout line, not the wallet."
The Lifestyle-First User Base
With 117,744 monthly visits and 38% coming from organic search, Atome's traffic profile reveals a brand-driven audience. The top keyword—'atome' alone at 23,220 monthly searches—shows they've built brand equity, not just a utility. This isn't a comparison-shopping crowd; they're searching for Atome specifically to pay at their favorite merchants.
The Revenue-to-Funding Imbalance
Here's the provocative math: $880M in funding generating $232.8M in revenue. That's a 0.26x revenue-to-funding ratio—unusually low for a mature fintech. This suggests Atome is still in aggressive growth mode, burning capital to capture market share before the BNPL space consolidates. The 792 employees signal heavy investment in merchant partnerships and market expansion.
The tech stack tells a story of scale and precision. Next.js for performance, Tailwind CSS for rapid iteration, and a suite of analytics tools (Google Analytics, Facebook Pixel, LinkedIn Insight Tag) that suggest sophisticated conversion tracking. This isn't a startup MVP—it's a data-driven growth machine.
- Merchant-first strategy: Dedicated [email protected] email signals B2B focus
- Singapore-centric: 70.2% traffic from undefined (likely Singapore) shows deep local penetration
- Brand moat: 23,220 monthly searches for 'atome' proves brand recall
- Trust gap: 2.3/5 Trustpilot rating from only 13 reviews—crisis or opportunity?
The BNPL Playbook Is Being Rewritten
Atome’s $880M war chest buys time to dominate Southeast Asia’s lifestyle commerce before the credit crunch hits
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https://www.atome.sg/assets/common/icon-square.png
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Atome - Buy Now Pay Later with 0% Interest｜BNPL Singapore
Atome makes Buy Now Pay Later easier and offers BNPL payment with 0% interest at various brands in Singapore
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Reviews (13)
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.
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About atome.sg
Atome makes Buy Now Pay Later easier and offers BNPL payment with 0% interest at various brands in Singapore
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Technology Stack
atome.sg uses 12 technologies across their website including HSTS, Sentry, WordPress, and more.
Security
HSTS
Error Tracking
Sentry
CMS
WordPress
Advertising
LinkedIn Insight Tag, Facebook Pixel
Analytics & Marketing
Google Tag Manager, Google Analytics
Performance
Lazy Loading
Traffic & Audience
atome.sg receives approximately 117.7K monthly visitors and ranks #311,732 globally. The website has a bounce rate of 38% with visitors viewing an average of 2.9 pages per visit. Users spend an average of 0:51 on the site.
The majority of atome.sg's traffic comes from undefined, undefined, .
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