1 Jan – 31 Dec 2026 · New Atome users · Singapore

Get S$10 off
your first purchase
with Atome

Download Atome through the referral link, register, and claim a S$10 voucher from the Voucher Centre in the app. Then split your first purchase into 3 payments at 0% interest.

Published · Last updated

Atome referral link · no code needed

S$10 off is unlocked
by the link itself
Get my Atome referral link
Free to download · Open the link on your phone · New users aged 18 and above
S$10 Off your first purchase as a new user
3 Payments, with the bill split equally
0% Interest when you pay on time
Atome referral link Singapore October 2026 infographic: get S$10 off your first purchase as a new user, claimable from the Voucher Centre, valid 1 Jan–31 Dec 2026
Atome referral link Singapore — October 2026 reward at a glance: S$10 off your first purchase for new users, where to claim it, and the 1 Jan – 31 Dec 2026 campaign period.
How to claim

Four steps to S$10 off
your first Atome purchase

Do these in order. The link has to come first, before the app is installed.

1
Open the referral link on your phone

The link takes you to the Atome SG app on the App Store or Google Play. There is no code to type in. The link is what connects your new account to the S$10 offer.

Open Atome referral link →
⚠️Do not install Atome from the app store directly. Atome only records a referral when the app is downloaded and the account registered through a referral link.
2
Register your Atome account

Register with your Singapore mobile number, complete user verification with MyInfo or by entering your details manually, then add a credit or debit card. Atome asks for your legal name, NRIC or FIN, date of birth and email address.

3
Claim the S$10 voucher in the Voucher Centre

Open the Voucher Centre in the app and tap Claim on the S$10 voucher. It moves to your voucher wallet, ready for checkout.

💡Tap the ⓘ button on the voucher to see its terms, including how long it lasts. Tap More to see the stores where it can be used.
4
Apply it to your first purchase

Online, select Atome as the payment method at checkout. In store, scan the Atome QR code at the cashier. Select your S$10 voucher on the Atome payment screen before you tap Pay. Your first payment is debited 1 day after the purchase, and the remaining payments follow every 30 days.

✅Check that the bill shows the S$10 discount before you confirm. Atome does not apply vouchers after payment.
What you get

One reward,
S$10 off your first purchase

Atome gives new users a single flat reward for signing up through a referral link. There are no tiers to unlock.

S$10
Off your first purchase · new-user voucher
Claimable from the Voucher Centre in the Atome app after you download through the referral link and register. Atome's help centre says the voucher can be used immediately.
🧾

3 payments, 0% interest

Atome splits your bill into 3 payments with no interest and no service fee. The first is debited 1 day after purchase, the rest every 30 days.

⭐

Atome+ points on your spend

You earn 1 Atome+ point for every S$2 spent at participating brands. Points can be redeemed for brand vouchers in the app.

🛍️

Online and in store

Pay with Atome wherever it is listed at an online checkout, or scan the Atome QR code at a partner store's cashier.

💳

No fee on most cards

The card processing fee is waived on Visa, Mastercard and UnionPay, and PayNow repayments carry no extra fee. American Express repayments after the first carry a S$1 fee.

October 2026 promotions

What else you can use
as a new Atome user

These are running this month. Each has its own terms, and only one voucher or promo code applies per order.

15 Sep – 11 Oct 2026
Charles & Keith online
10% off
Capped at S$12
For new Atome users with a minimum spend of S$40. Enter promo code ATOMECK10 on the Atome checkout page. Limited redemptions.
Until 31 Dec 2026
SAFRA members
20% off
Capped at S$12
For new Atome users with a minimum spend of S$40. Claim the voucher through SAFRA's Atome promotion page. Limited to the first 500 new-user redemptions.
10.10 sale
Atome+ points
1 point
Per S$2 spent
Earned when you pay with Atome at participating brands. Atome+ Challenge tasks and the daily Atome Link puzzle in the app can add bonus points.
ℹ️Atome allows one voucher or one promo code per transaction, so these offers are an alternative to the S$10 voucher on any single order, not an add-on. On a S$40 order the S$10 voucher saves more than 10% off. Sources: Charles & Keith promotions ↗ and SAFRA Atome promotion ↗.
Who qualifies

Check you're eligible
before you download

The S$10 voucher is for people who are new to Atome. Here is what Atome asks for.

You qualify if

  • You have never registered an Atome account
  • You download the app and register through the referral link
  • You are at least 18 years old
  • You have a Singapore mobile number (+65) and a Singapore NRIC or FIN
  • You have a credit or debit card issued by a financial institution
  • You register and complete your first order within the campaign period, 1 Jan to 31 Dec 2026

You don't qualify if

  • You already have an Atome account
  • Your first order is refunded or returned, which may void the referral
  • You installed the app without going through a referral link
  • You use another voucher or promo code on the same order
  • You try to add the voucher after you have paid
  • You are using the Atome website instead of the app, as vouchers work only in the app
FAQ

Common questions

Straight answers, no padding.

You get S$10 off your first Atome purchase as a new user. The reward is a S$10 voucher that you claim from the Voucher Centre in the Atome app after you download the app through the referral link and register. Atome's help centre says the voucher can be used immediately.
You qualify if you have not registered an Atome account before and you download the app and register through the referral link. Atome requires you to be at least 18 years old, with a Singapore mobile number (+65), a Singapore NRIC or FIN, a valid email address and a credit or debit card issued by a financial institution. The campaign runs from 1 Jan to 31 Dec 2026, and you need to register and complete your first order within that period.
Atome only records a referral when the app is downloaded and the account is registered through a referral link. If you install the app from the App Store or Google Play directly, the sign-up is not linked to a referral and the S$10 referral voucher may not appear. Open the referral link first, then install and register.
Open the Voucher Centre in the Atome app and tap Claim on the S$10 voucher. It then sits in your voucher wallet. Select it on the Atome payment screen before you confirm your first purchase, because Atome does not allow a voucher to be applied after payment.
Atome does not publish a fixed minimum spend or expiry for the referral voucher outside the app. Each voucher shows its own terms, including duration and applicable stores, when you tap the information button in the Voucher Centre. If your order is smaller than the voucher value, the difference is not refunded or carried forward. The smallest order Atome accepts is S$1.50, and some merchants set a higher minimum.
No. Atome's voucher terms allow one voucher or one promo code per transaction, and vouchers are not valid with other promotions or discounts unless stated. Merchant-specific offers for new Atome users, such as the Charles & Keith code ATOMECK10, are an alternative to the S$10 voucher on a given order, so compare the savings and pick one.
Atome's standard plan splits a purchase into 3 payments at 0% interest with no service fee. A late bill payment carries an admin fee of S$15 for orders under S$1,000 or S$30 for orders above S$1,000, and your account is suspended until you pay. Plans longer than 3 months may carry a one-time processing fee of up to 3%, and repayments made with American Express cards carry a S$1 card processing fee.
Atome is operated by Apaylater Financials Pte. Ltd., which is licensed as a Major Payment Institution under the Payment Services Act 2019 (licence number PS20200511). Buy now, pay later itself is not regulated by the Monetary Authority of Singapore. Atome states that it complies with the BNPL Code of Conduct administered by the Singapore FinTech Association. Atome is not a bank and SDIC deposit insurance does not apply.

Before you buy now and pay later

Atome is a buy now, pay later service operated by Apaylater Financials Pte. Ltd. (UEN 201936265H), a Major Payment Institution licensed under the Payment Services Act 2019, licence number PS20200511. BNPL schemes are not regulated by the Monetary Authority of Singapore. Atome is a signatory to the industry BNPL Code of Conduct ↗, which caps fees and bars compounding of fees and interest.

A S$10 voucher does not make a purchase cheaper if you miss a payment. A late bill costs S$15 on orders under S$1,000 and S$30 on orders above S$1,000, and your account is suspended until it is settled. Only split a purchase you could afford to pay for in full.

Get S$10 off your first Atome purchase

Open the referral link on your phone, register, and claim the S$10 voucher from the Voucher Centre before your first checkout.

Claim my S$10 off

New Atome users in Singapore only. Campaign runs 1 Jan to 31 Dec 2026. Voucher terms are shown in the Atome app. T&Cs apply.

More codes

More Singapore referral codes

Stacking sign-up bonuses across your banking, investing, travel and rewards apps? Here are the other verified referral codes we track.

HeyMax referral code Crypto.com referral code Longbridge referral code IBKR referral code Webull referral code MariBank referral code YouTrip referral code GXS Bank referral code DeCard referral code Trust Bank referral code Chocolate Finance referral code KrisPlus referral code Syfe referral code uSMART referral code Tiger Brokers referral code Revolut referral code Amaze referral code Trip.com referral code

View full SG referral codes here ↗

✓ Referral link copied