Atome Philippines

Not BSP supervisedSEC Registered

Singapore-based BNPL provider operating in the Philippines. Offers split-payment retail credit. Complaints include undisclosed late fees and interest charges.

https://atome.ph ↗

₱0

in damages claimed against Atome Philippines in the last 30 days

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Complaints

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Wala pang naka-file na reklamo dito.

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Calculate Your Damages

Enter your figures. The calculator produces a printable Exhibit A worksheet for small claims / BSP filings. Caps apply without evidence upload toggle.

Disclaimer: These are estimated damages for filing purposes. Actual award is at court or regulator discretion. Emotional distress of ₱25,000/incident is a reference figure from PH jurisprudence, not a guaranteed amount. BSP penalties cite BSP Circular 1160 (2022). Lost wages at DOLE NCR minimum wage ₱645/day (DO 241-24, effective Nov 4 2024).

Your information (for PDF only)

Full name

Incident date

Address

Damages

Principal amount lost (₱) — the core disputed amount

Interest already paid (₱) — informational only, not included in damages claim

Lost wages — days unable to work due to this dispute

days × ₱645/day (DOLE NCR 2025) = ₱0.00

Medical expenses (₱) — capped at ₱100k without receipts

I have official receipts / OR (raises cap to ₱500k)

Emotional distress — qualifying incidents (₱25,000/incident, court discretion)

incidents × ₱25,000 = ₱0.00

Filing fee (small claims, A.M. No. 08-8-7-SC)₱1,000.00

Your damages estimate

₱1,000.00

Use in Letter Builder →

Sources: DOLE NCR Wage Order (DO 241-24, effective Nov 4 2024) · BSP Circular 1160 (2022) · A.M. No. 08-8-7-SC Revised Rules on Small Claims (2016). Caps of ₱500k per line without evidence are conservative guardrails — not legal advice.

Worker Witness Reports

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Witness Wall

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First-person testimonies from Atome Philippines customers — anonymized, PII-redacted, consent-flagged. Self-reported unless cited to public record.

Read the Witness Wall →Add your testimony

Documented Issue Types

Excessive / Undisclosed APR (Online Lending)

Effective annual percentage rate — including processing fees, insurance, and other charges — far exceeds what was advertised or the BSP Circular 1133 cap.

Atome Philippines × Excessive / Undisclosed APR (Online Lending)

BNPL Undisclosed Late Fees / Interest Charges

Buy-Now-Pay-Later provider charged late fees or interest not clearly disclosed at checkout, or applied fees retroactively.

Atome Philippines × BNPL Undisclosed Late Fees / Interest Charges

Accountability Ledger

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Public officers, directors, and attorneys of record — all cited to SEC PH filings, court records, and public documents. No editorial; facts only.

View Accountability Ledger for Atome Philippines →

Public Record (1 entry)

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Court decisions, regulator orders (BSP, SEC, NPC, BIR), and major news-documented incidents involving Atome Philippines. Every entry cites a primary source.

SEC advisory warns public against unregistered 'Atome Loan' app operated by Backoffice Associates Philippines
2026-04-01 · sec

View Public Record for Atome Philippines →

User Reviews & Complaints

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1-2 star Play Store reviews for Atome Philippines, categorized by issue (contact-list shaming, hidden fees, abusive collection, etc.). Refreshed weekly.

View User Reviews for Atome Philippines →

App Permissions

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Declared Android app permissions for Atome Philippines, reviewed against SEC Memorandum Circular 18 (2019) which prohibits PH lending apps from accessing contacts, SMS, or call logs.

View App Permissions for Atome Philippines →

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