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Atome has expanded the functionality of its Singapore app to support cross-border payments in Malaysia, a long-awaited update that significantly enhances its usefulness for travellers and cross-border shoppers. Previously, the Atome Singapore app could only be used with merchants within Singapore. With this update, its 1.5 million Singapore users can now make payments at over 15,000 Atome-partnered retail outlets and malls across Malaysia.
The payment process in Malaysia mirrors the experience in Singapore. Users simply scan the merchant’s Atome QR code at the cashier or counter to complete a transaction. While the bill and payment input screen are displayed in Malaysian Ringgit (MYR), the app also shows the final payable amount in Singapore Dollars (SGD). Atome states that the currency conversion is done automatically at a “competitive rate,” offering users greater transparency on their spending.
Importantly, these cross-border transactions are fully compatible with Atome’s A+ Rewards Points loyalty programme, allowing users to continue earning rewards even when shopping overseas. In addition to Buy Now, Pay Later (BNPL) instalment plans, the app also supports full upfront payments, making Atome a flexible alternative payment method rather than just a deferred payment option.
To mark the launch of this feature, Atome is running a promotional campaign from 11 to 28 February 2026. During this period, Singapore app users who transact in Malaysia stand a chance to win a “red packet” via a lucky draw, with prizes including S$888 and cashback of S$88, subject to terms and conditions.
Users can identify participating merchants by looking for decals indicating that the Singapore app is accepted. Atome has also published an official list of compatible Malaysian merchants, including at least 37 consumer electronics chains, giving shoppers a wide range of spending options.
Comments:
Nice addition.
Exchange rate needs to be favourable and not far off from YouTrip, Trust Card, etc to be useful.
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