No additional fees will be incurred if payment is made on time. However, if you choose to split your Atome Card bill into 3 or 6 equal monthly payments, an interest fee will be applied on any outstanding amount, which will be reflected on your bill statement.
For our fees and charges, do refer to the following:
- Late Fee: 5% of outstanding amount, excluding accrued interest or Late Fee - on a monthly basis
- Card Replacement Fee: 400 PHP per card
- Foreign Exchange Conversion Fee: 3.10% of transaction amount (includes 1.98% service fee and 1.12% cross border processing fee levied by MasterCard)
- Payment Processing Fee: 2.24% of the payment amount (including tax) (minimum fee of 2.24 PHP)
You can also find more information in our Terms & Conditions and Loan Agreement, which are available on the Atome app.