Atome Referral Link 2026: S$10 Off Your First Purchase (New Users)

S$10 off my first Atome purchase, and there was no code to type in anywhere. The catch is the order you do things in, so here's the short version.

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👉 Atome referral link (no code needed): https://app.atome.sg/s/cFRCtURFt

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The one thing to get right

Open the link on your phone before you install the app. Atome only records a referral when the app is downloaded and the account registered through a referral link. If you grab it straight from the App Store or Google Play, the S$10 voucher may not show up.

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What you get

A single S$10 voucher for new Atome users in Singapore, to use on your first purchase. No tiers. You can then split that purchase into 3 payments at 0% interest with no service fee.

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Steps

1. Open the referral link above on your phone. It takes you to the Atome SG app listing.
2. Register with your Singapore mobile number, verify with 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 in the app and tap Claim on the S$10 voucher. It moves to your voucher wallet.
4. At checkout, pick Atome as the payment method (or scan the Atome QR code in store) and select the voucher on the payment screen before you tap Pay.

First payment is debited 1 day after the purchase, the rest follow every 30 days.

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Where people lose the S$10

• ✅ Check the bill shows the discount before you confirm. Atome does not apply vouchers after payment.
• One voucher or one promo code per transaction, so it won't stack with merchant offers for new Atome users. Pick whichever saves more.
• If your order is smaller than the voucher value, the difference isn't refunded or carried forward.
• A refunded or returned first order may void the referral.
• Vouchers work only in the app, not on the Atome website.
• Atome doesn't publish a fixed minimum spend or expiry for this voucher outside the app. Tap the ⓘ on the voucher in the Voucher Centre to see its duration and where it can be used.

I checked these numbers against the fuller breakdown on DLCuration's Atome referral guide: https://dlcuration.com/atome-referral-link.html

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Who it's for

• Never registered an Atome account before
• 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

Existing Atome users don't qualify.

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Campaign period

1 Jan to 31 Dec 2026. You need to register and complete your first order within that window.

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Worth knowing before you use BNPL

Atome isn't a bank and BNPL isn't regulated by MAS, though the operator (Apaylater Financials) is licensed as a Major Payment Institution. 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.

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Not financial advice, just passing along what I found.