Can I use my Atome card abroad: guide for Filipinos

tome is a popular “buy now, pay later” service in the Philippines and in many parts of the world. Atome users in the Philippines are probably wondering, “Can I use my Atome card abroad?”

Keep reading to see how you can use your Atome card¹ abroad, as well as any fees and charges payable, ATM withdrawal fees, or how to activate the Atome card for overseas use. We'll also introduce the Wise card, a handy travel companion to make seamless card payments when you're overseas.

Can I use my Atome card abroad?

Yes, you can use your Atome card abroad while continuing to enjoy the same ease of shopping, and buy now, pay later privileges. You can shop everywhere Mastercard is accepted, be it online, in-store, and even overseas. The Atome Card is backed by Asia United Bank, ensuring reliable and secure payment processing.

Applying for your Atome card is quick. Just fill up the online application form on the Atome app², and zip through the process in 90 seconds – with no minimum income required. There’s no fussy paperwork or long processing times. You will receive an SMS and email from Atome with the application result.

There are some requirements, though. To be eligible for an Atome card, you must be at least 18 years old, with a valid Philippine ID card.

You will receive a virtual Atome card as soon as your application is approved. It can be used immediately. This can be used for online payments and QR Ph (local payments) for offline transactions.

If eligible, you can also get a physical card delivered to your mailing address within 10 working days. Once you receive your physical Atome card, just activate it and you can use it at any global merchant that supports Mastercard. Both your virtual and physical Atome cards will have different card numbers – but they share the same spending limit.

Exchange rate when using the Atome card overseas

Atome does not specify the exchange rate when using the Atome card overseas. But there are still some fees and charges⁴ to pay.

These include foreign exchange conversion fees, and other transaction processing fees if necessary. More on this below.

How to activate the Atome card for overseas use?

You only need to activate your physical Atome card when you’ve received it. You can do so via the Atome app – enter the last four digits of the card and set a new four-digit PIN.

Once your physical Atome card is activated, you can start using your physical Atome card with any merchant that supports Mastercard, including those overseas.

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How to use the Atome card when travelling?

When travelling abroad, just use the physical Atome card as you would any debit or credit card. Once your physical Atome card has been successfully activated, just insert or tap your card on the Point-of-Sale terminal's card reader to pay.

Sometimes, you might be prompted to select an account. Select "Savings" and enter the four-digit PIN that you set during card activation.

To check how much you’ve spent, go into the Atome App > Bills to check your current balance and payment due date. You will also receive a billing statement via email and push notification before your due date from Atome.

To help you spend responsibly, Atome has also set a limit of up to PHP 200,000. You can adjust this in your Atome App.

Learn more about how to use the Atome card in the Philippines and abroad

Fees and charges when spending with the Atome card abroad

The Atome card offers the option to “buy now, pay later” - this works like a short-term loan, where you can split purchases into more manageable three to six monthly repayments. You can also enjoy up to 40 days of interest-free repayment.

When you pay in a currency other than Philippine pesos, there is a Foreign Exchange Conversion Fee, which is 3.10% of the transaction amount (this includes a 1.98% service fee and a 1.12% cross-border processing fee levied by Mastercard).

If you choose to split your Atome card bill into three to six equal monthly payments, interest fees and transaction processing fees may be added as well. The Transaction Processing Fee ranges from 0% to 2.24% of the transaction amount (including tax).

You may also be billed a Late Fee for missing your repayment or deadline on a bill. This is 5% of the outstanding amount, excluding interest incurred on this amount and/or late fee, calculated on a monthly basis.

Read about our review of the Atome card to find out if it's the right card for you

Stretch every peso when you spend abroad at the mid-market rate with the Wise card

With the Wise card, makaka gastos ka ng 40+ currencies sa mid-market rate, kasama ang USD, SGD, GBP at JPY. Kaya, siguradong makakakuha ka ng sulit na deal sa mahigit 150+ countries. Para makapagsimula, gumawa ka lang ng libreng Wise account, mag-order ng card, at mag-top-up ng PHP.

Maaari kang mag-order ng physical card ng Wise sa halagang 369.90 PHP. Kung mayroon kang physical na card, makakagawa ka ng chip and PIN payments, at may 2 libreng ATM withdrawals na aabot sa 12,000 PHP bawat buwan.

Kapag nasa abroad ka, puwede mong piliing gumastos ng direct as PHP at hayaan mag auto-convert, o i-convert sa gusto mong currency gamit ang iyong Wise account. Kahit ano piliin mo, makukuha mo ang rate na nakikita mo sa Google, na may kasamang low, transparent fees mula 0.57%.

Know how much you're spending upfront with no hidden fees and markups with Wise

💳 Kumuha ng Wise card