How to Use an Atome Referral Link in Singapore (2026): Step-by-Step Guide
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Atome gives new users a S$10 voucher for joining through a referral link. It is one of the simplest referral rewards in Singapore: no deposit, no tiers, no holding period.
It is also one of the easiest to lose. There is no Atome referral code to type in, so people search for one, give up, and install the app straight from the App Store. That install is not linked to anyone, and the S$10 is gone.
The second way to lose it happens at the checkout. Atome does not apply vouchers after you pay. If you tap Pay before you select the voucher, your first purchase goes through at full price.
This guide walks through how to use the DLCuration Atome referral link in the right order, where the voucher lives, and when another new-user promo beats it.
→ Get the Atome referral link and current offer
Why Most People Use an Atome Referral Link Wrong
Atome’s referral programme has three conditions. Your friend must download the app through the referral link, register as a new user, and make a purchase within the same campaign period. Miss any one and the referral does not count.
Here are the mistakes I see most often:
- Searching for a code. Atome’s referral works through a link, not a code. There is no referral code field at sign-up, so a “code” you find online does nothing.
- Installing first, looking for the link later. Atome’s help centre says a friend who did not sign up through the referral link is not eligible. Opening the link after the app is installed and registered does not fix it.
- Paying before selecting the voucher. Atome’s voucher terms say use of a voucher must be indicated at the time of payment, with no retroactive use.
- Stacking promos. Each Atome transaction takes one voucher or one promo code. The S$10 voucher and a SAFRA or merchant code are alternatives on any single order, not add-ons.
The principle the whole process is built on: link first, register second, voucher selected before you tap Pay.
What You Need Before You Start
Set aside about 10 minutes for sign-up. Have these ready:
- The Atome referral link. Use the Atome referral link or the DLCuration Atome page, which shows the current offer.
- Your phone, with Atome not yet installed. The link has to open the store page and install the app. Vouchers work in the app only, not on the Atome website.
- A Singapore mobile number. You register with it, and Atome sends you a one-time password.
- Your NRIC or FIN. Atome verifies you with Myinfo or with details you type in.
- A credit or debit card in your name. Atome charges your payments to it. Visa, Mastercard and UnionPay carry no card processing fee.
- A first purchase you were going to make anyway. At a store or website that accepts Atome.
You are not eligible if you already have an Atome account. The reward is for new users who register through a referral link.
The Full Process: Step by Step
Step 1 — Check Whether You Already Have Atome (1 minute)
Check your phone and your email for an Atome account. Many people signed up for a one-off purchase and forgot.
If you have registered before, stop here. The S$10 voucher is for new users, and a second account counts as abuse under Atome’s voucher terms.
If Atome is installed but you have never registered, delete the app before you open the link. That way the install comes from the link.
What you end up with: confirmation that you are a new Atome user, with no stray install.
Step 2 — Open the Referral Link on Your Phone (1 minute)
Open the link on the phone you will use Atome on. It takes you to the Atome SG app on the App Store or Google Play.
→ Open the Atome referral link
There is no code to copy. The link records the referral by itself.
What you end up with: the Atome store page, opened from the link.
Step 3 — Install and Register (5 minutes)
Install the app from that store page, then open it and register with your Singapore mobile number.
Atome then asks you to verify your identity. Myinfo is the fastest route. You can also type in your legal name, NRIC or FIN, date of birth and email address.
Finally, add a credit or debit card. Atome’s help centre says new debit card users usually get a spending limit of around S$1,000, and new credit card users around S$3,000. Your limit follows whichever card is set as primary.
What you end up with: a verified Atome account, linked to the referral.
Step 4 — Claim the S$10 Voucher (1 minute)
Open the Voucher Centre in the app and tap Claim on the S$10 new-user voucher. It moves into your voucher wallet.
Tap the information button on the voucher before you shop. It shows the voucher’s validity, any minimum spend and the stores it covers. Atome’s help centre says the voucher can be used immediately.
What you end up with: the S$10 voucher, claimed and ready in your wallet.
Step 5 — Make Your First Purchase and Select the Voucher (3 minutes)
Online, choose Atome as the payment method at checkout. In a store, scan the Atome QR code at the cashier.
On the Atome payment screen, select the S$10 voucher before you tap Pay. Check the total shows S$10 off, then confirm.
Spend at least S$10. Atome’s voucher terms say that if an order is smaller than the voucher, the difference is not refunded or carried forward.
What you end up with: a first purchase S$10 cheaper, split into three payments.
Step 6 — Pay Every Instalment on Time (ongoing)
Atome splits the bill into three payments and charges them to your card automatically. It sends a reminder one day before each payment is due.
If a payment fails, your account is suspended and Atome charges an admin fee: S$15 for orders under S$1,000, or S$30 for orders above S$1,000. Keep enough in the account or on the card on each due date.
What you end up with: a S$10 saving that stays a saving.
The Full Time and Reward Breakdown
| Step | What You Do | Time | Counts Toward the S$10? |
|---|---|---|---|
| 1 | Check you are a new user | 1 minute | Protects eligibility |
| 2 | Open the referral link | 1 minute | Yes — attaches the referral |
| 3 | Install and register | 5 minutes | Yes — creates the account |
| 4 | Claim the voucher | 1 minute | Yes — puts it in your wallet |
| 5 | Select it before you pay | 3 minutes | Reward |
| 6 | Pay each instalment on time | Ongoing | Protects the saving |
Total: about 10 minutes of your time. The value is S$10 off your first purchase.
The S$10 Voucher vs Other New-User Promos
Because Atome allows one voucher or promo code per transaction, the referral voucher competes with any other new-user deal you have. Compare before you pay.
| Offer | What You Get | Minimum Spend | Best When |
|---|---|---|---|
| Referral voucher | S$10 off your first purchase | Shown on the voucher | Almost always, on orders under S$60 |
| SAFRA new-user voucher | 20% off, capped at S$12 | S$40 | SAFRA members spending S$60 or more |
| SAFRA all-user voucher | 10% off, capped at S$5 | S$40 | Not worth it over the S$10 voucher |
At S$40, SAFRA’s 20% is S$8, so the S$10 voucher wins. At S$60 and above, SAFRA’s S$12 cap is the bigger saving, if you are a member and the slots are not gone. SAFRA’s offer runs until 31 December 2026 and is limited to the first 500 new-user redemptions.
You do not lose the S$10 voucher by using SAFRA’s on your first order. Check the voucher’s validity, then use it on the next purchase before it lapses.
Is the Atome Referral Worth It? Three Realistic Examples
The planned purchase. You were going to buy S$90 of skincare at a store that takes Atome anyway. You install through the link, claim the voucher and pay S$80 over three instalments. That is a clean S$10 saving.
The impulse purchase. You install Atome for the S$10 and buy a S$150 pair of shoes you did not need. You saved S$10 on S$150 you would not have spent. Buy now, pay later makes this easy, which is why the voucher is only worth it on purchases you had planned.
The tiny first order. You use the voucher on a S$6 bubble tea. Atome does not refund the S$4 difference, so the voucher is worth S$6 to you, not S$10. Wait for an order of S$10 or more.
The voucher does not change how Atome works. If you already pay in full and like it that way, a S$10 voucher is not a reason to start splitting bills.
What the Referral Link Cannot Do
It cannot be added later. Atome’s help centre is clear that a friend who did not sign up through the link is not eligible. There is no form to attach a referral after registration.
It cannot be split. If your first order is smaller than S$10, the rest of the voucher is lost.
It cannot be stacked. One voucher or promo code per transaction. It also cannot be combined with other promotions unless Atome says so.
It does not work on the website. Vouchers are valid only in the Atome mobile app.
Is Atome Safe? What the Link Does Not Change
Using a referral link has no effect on your account or your repayments. Atome is operated by Apaylater Financials Pte. Ltd., which is licensed as a Major Payment Institution under the Payment Services Act.
Buy now, pay later itself is not regulated by the Monetary Authority of Singapore. Atome states it follows the industry BNPL Code of Conduct, which caps fees and bars compounding fees and interest.
The real risk is overspending. Three small payments feel cheaper than one big one. Only split a purchase you could afford to pay for in full today. This is not financial advice.
Tips to Get the Most From the Atome Referral
Install from the link, not the store. It sounds obvious, but it is the step most people skip. Delete any unregistered install first.
Tap the voucher’s info button. It shows the validity and the stores it covers, so you do not try it somewhere it is excluded.
Spend at least S$10. Anything less wastes part of the voucher.
Use a Visa or Mastercard. The card processing fee is waived on Visa, Mastercard and UnionPay. American Express repayments after the first carry a S$1 fee.
Screenshot the payment screen. If the S$10 does not show on your bill, the screenshot helps when you contact Atome.
What If You Already Have an Atome Account?
The S$10 new-user voucher is not available to you. Atome does not allow a referral to be added to an existing account.
You can still earn the other way round. Share your own link from Me → Refer a friend in the app. Atome’s help centre says you receive 1,000 points once a friend downloads through your link, registers and completes a purchase within the campaign period.
Frequently Asked Questions
Is there an Atome referral code I can enter?
No. Atome’s referral programme works through a link, not a code. Opening the referral link and installing the app from it is what ties your new account to the S$10 voucher.
How much do I get with an Atome referral link?
New users get a S$10 voucher for their first purchase. Atome’s help centre says the voucher can be used immediately after you claim it in the Voucher Centre.
Why didn’t my Atome referral voucher show up?
The usual reasons are that the app was installed without the link, the account was registered before the link was opened, or you already had an Atome account. Atome requires the download and registration to happen through the referral link.
Can I use the Atome S$10 voucher with other promo codes?
No. Atome allows one voucher or one promo code per transaction, and vouchers are not valid with other promotions unless stated. Compare the S$10 voucher with any other new-user offer and use the bigger saving.
Can I apply the Atome voucher after paying?
No. Atome’s voucher terms say a voucher must be selected at the time of payment, and there is no retroactive use. Select it on the payment screen before you tap Pay.
Does Atome charge interest?
Atome’s standard plan splits a purchase into three payments with no interest when you pay on time. Late payments carry an admin fee of S$15 for orders under S$1,000 or S$30 for orders above S$1,000.
Final Thoughts
The Atome referral is S$10 for about 10 minutes of setup. The link does the work, as long as it comes before the install.
Get the order right: link, register, claim, then select the voucher before you pay. Use it on a purchase you had already planned, and pay every instalment on time.
That is the whole trick. The S$10 is easy. Keeping it a saving is the part that takes discipline.
→ Get the Atome referral link and current offer
→ Open the Atome referral link
Using Atome already? Tell me in the comments what you bought with your first voucher.
Continue reading:
- Atome Referral Link — S$10 Off Your First Purchase
- How to Use a ShopBack Referral Code
- How to Use a Klook Referral Code
- All Singapore Referral Codes in One Place
Disclosure: this article contains my Atome referral link. If you sign up with it and make a purchase, Atome may give me reward points, at no cost to you. DLCuration is independent and is not affiliated with or endorsed by Atome. Information is based on Atome’s help centre and voucher terms and SAFRA’s Atome promotion page, checked on 16 October 2026. Terms can change, so check the voucher in the app before you pay. This is not financial advice.
