Atome just launched a new feature that’s catching everyone’s attention — Atome Savings! If you’ve used Atome for buy-now-pay-later (BNPL) purchases, this update might leave you wondering: “Savings? Paano ‘yan ginagamit?” Don’t worry, we’ve got you covered.
🎥 WATCH THIS: I recently shared a full explanation in this video — check it out below!
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🔍 What Is Atome Savings?
Contrary to what the name suggests, Atome Savings isn't your usual savings account like Maya, Tonik, or SeaBank. It’s more of a smart tool for better money management and stronger credit behavior within the Atome ecosystem.
Here’s how it works:
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💸 You can deposit money into Atome Savings via the app.
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🧠 It's mainly intended to help you set aside funds to pay your Atome bills.
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📈 It helps build a positive repayment profile, which could increase your credit limit over time.
💡 Why Use Atome Savings?
Let’s be real — one of the struggles with BNPL apps is keeping track of your due dates. Atome Savings is designed to fix that.
Here’s why it’s a great feature:
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Helps You Stay On Track
Save money in advance so you won’t miss your Atome due date. Less stress, less risk of late fees! -
Builds Credit Trust with Atome
Having money in your Atome Savings account can boost your credibility. The more responsible you are, the higher your credit limit might go! -
All in One App
No need to transfer from GCash or Maya manually. Just fund your savings and let it sit there until bill time.
🛠️ How to Use It
Using Atome Savings is simple:
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Open your Atome app and look for the Savings section.
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Tap “Deposit” and choose your preferred payment method (bank transfer, Instapay, etc.).
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That’s it! Your funds will be reflected in your Atome Savings balance.
Pro Tip: Use this to save in advance for your Atome purchases — it's like budgeting your “future utang” para hindi ka mabigla!
🔐 Is It a Real Bank Account?
Not exactly. While it acts like a digital wallet or savings holder, it’s not regulated as a deposit account like a bank’s would be. Think of it more like a dedicated holding account for your Atome bills.
⚠️ Things to Keep in Mind
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You can’t cash out from Atome Savings to GCash or Maya (as of now).
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It’s only for use within Atome, especially for your credit card or BNPL payments.
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No overdraft allowed — you can only use what you deposit.
💬 Final Thoughts
The Atome Savings feature is a small but helpful step toward better financial habits — especially for those who use BNPL frequently.
It encourages planning, saving ahead, and managing your limits responsibly. If you're already using the Atome Card or the app for your purchases, this new tool might just help you avoid late fees and even get higher limits.
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