Atome Referral Link: S$10 Off Your First Purchase (No Code Needed)

S$10 off your first Atome purchase as a new user, and there's no code to type in anywhere. The link is the code. The catch is the order you do things in, so here's the full rundown.

👉 Atome referral link: https://app.atome.sg/s/cFRCtURFt
🔑 Referral code: none, Atome tracks referrals by link only

📖 Full step-by-step guide: https://dlcuration.com/atome-referral-link.html

The one thing to get right

Open the link on your phone before you install the app. Atome's help centre says the app has to be downloaded and the account registered through a referral link. If you grab Atome straight from the App Store or Google Play, or already had it installed, the S$10 voucher may not show up, and there's no way to add a referral afterwards.

What you get

One S$10 voucher for your first purchase, waiting in the Voucher Centre in the app. No tiers, no minimum number of trades or deposits like the bank and broker offers. You can then split that purchase into 3 payments at 0% interest with no service fee.

Steps

1. Open the referral link above on your phone. It takes you to the Atome SG app listing. Install from there.
2. Register with your Singapore mobile number, verify with Singpass MyInfo (or key in your details manually), then add a credit or debit card. Atome asks for legal name, NRIC or FIN, date of birth and email.
3. Go to the Voucher Centre and tap Claim on the S$10 voucher. Tap the ⓘ on it to see its minimum spend, how long it lasts and which stores it works at.
4. At checkout, pick Atome as the payment method online, or scan the merchant's Atome QR code in store.
5. Select the S$10 voucher on the Atome payment screen, check the bill shows the discount, then tap Pay.

Your first payment is debited 1 day after the purchase, and the other two follow every 30 days.

Where people lose the S$10

• Forgetting to select the voucher before paying. Atome's terms say no retroactive use.
• Paying on the Atome website. Vouchers only work in the mobile app.
• Using another voucher or promo code on the same order. It's one voucher or one promo code per transaction.
• Spending less than S$10. The unused part isn't refunded or carried forward.
• Refunding or returning the first order, which may void the referral.
• Atome can exclude some brands from vouchers, so check the store list on the ⓘ first.

S$10 voucher vs merchant codes for new users

Since only one voucher or code applies per order, compare before you pay:

• Charles & Keith online: new Atome users get 10% off with a S$40 minimum spend, capped at S$12, using code ATOMECK10 on the Atome checkout page. Limited redemptions.
• SAFRA members: new Atome users get 20% off with a S$40 minimum spend, capped at S$12, claimed through SAFRA's Atome page. First 500 new-user redemptions only.

On a S$40 to S$50 order the flat S$10 voucher is worth about the same or more. On a S$60+ order the 20% SAFRA code wins by up to S$2. Either way, you only get one per order.

Who it's for

• Never registered an Atome account before (even an account you never used counts)
• At least 18 years old
• Singapore mobile number (+65) and a Singapore NRIC or FIN
• A credit or debit card issued by a financial institution

As a rough guide, Atome starts new users at a S$1,000 spending limit with a debit card and S$3,000 with a credit card. Your actual limit shows in the app.

Worth knowing before you use BNPL

Atome isn't a bank, and BNPL itself isn't regulated by MAS, though the operator (Apaylater Financials Pte. Ltd.) is licensed as a Major Payment Institution and follows the industry BNPL Code of Conduct. 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 you pay. That wipes out a S$10 voucher fast, so only split something you could pay for in full anyway.

All the details, including the full eligibility list and FAQ, are on the DLCuration Atome referral page: https://dlcuration.com/atome-referral-link.html

Disclosure: this is my referral link. Not financial advice, just passing along what I found.