
<p class="wp-block-paragraph">Prepayment&nbsp;is a relatively simple concept, but if you understand it completely, you could save thousands in the long run. As problematic as it is, it&#8217;s normal to be in debt these days. If you&#8217;re starting a family and need a house, a very small percentage of the population has the money to buy one.</p>



<p class="wp-block-paragraph">You’ll need to take out a loan if you need a car too. In&nbsp;Singapore, personal loans&nbsp;are becoming more common. In 2020,&nbsp;1 in 4 women and 2 in 5 men&nbsp;took out a&nbsp;loan. This is 24% and 41% of the genders, and the number is only expected to increase. No matter how the economy is, the truth remains that we’re not in an era where one salary can maintain a family.</p>



<p class="wp-block-paragraph">Among the most widespread reasons for taking out loans is to cover daily expenses. This statistic means that if people take out&nbsp;loans&nbsp;regularly, they&#8217;ll have a lot of trouble paying them off.</p>



<p class="wp-block-paragraph">It&#8217;s a good idea to spend your monthly budget wisely and familiarize yourself with the concept of&nbsp;advance payment. Using a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">BNPL</a> company like Atome can help you regulate your spending patterns and become debt-free as quickly as possible.</p>



<h2 class="wp-block-heading"><strong>The definition of prepayment</strong></h2>



<p class="wp-block-paragraph">First, we&#8217;ll give a clear idea of what prepayment is. If you&#8217;re in debt, you already know there&#8217;s a date set for when you&#8217;ll be able to settle your loans, usually years into the future. Prepayment means paying off your&nbsp;loan&nbsp;earlier than that time.</p>



<p class="wp-block-paragraph">It means paying an extra over the necessary sum. That set amount is usually imposed in the form of monthly increments. You can either prepay a&nbsp;personal loan&nbsp;entirely or only submit a partial payment in any month.</p>



<p class="wp-block-paragraph">This method doesn&#8217;t just apply to bigger loans; you can also&nbsp;prepay the top-up&nbsp;on your credit card before you receive a statement. But you&#8217;ll need to consider your loan details to ensure you don&#8217;t end up paying more or a penalty.</p>



<p class="wp-block-paragraph">This is because most loans, especially those taken from a bank, prevent you from paying all that is owed at once. These regulations make sure they don’t end up losing money.</p>



<p class="wp-block-paragraph">If handled correctly, it’ll take the edge off of your debt and help you save a lot of money in interest fees, so if you have surplus cash, read up on whether you can make an extra payment.</p>



<h2 class="wp-block-heading"><strong>When do we need prepayment?</strong></h2>



<p class="wp-block-paragraph">The biggest question is when we should make prepayments. The difference in interest rates is when people are most tempted to make prepayments. Consider this; a person takes out a large loan at a 7% interest rate. Several fluctuations mean that he&#8217;s now paying around 13% on the same loan, while newer ones have a rate of 8%.</p>



<p class="wp-block-paragraph">It can seem like a good idea to take out a new loan to pay off the old one, but there are many factors you need to consider before rushing to the bank. For one, view the number of <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">installments</a> and how much you’d be charged to make the extra payment.</p>



<p class="wp-block-paragraph">It would be best to keep loan tax benefits in mind and whether you have a fixed-rate loan. The latter means that market changes have no effect on the interest rate.</p>



<p class="wp-block-paragraph">People sometimes consider prepayment if the principal amount hasn&#8217;t gone down even after a few years. For example, if a&nbsp;personal loan&nbsp;of $10,000 over ten years with a 7% interest rate is checked after, say, four years. The balance might only be around $9,700.</p>



<p class="wp-block-paragraph">This slight decrease is because the interest amount takes up a significant portion of the loan in the first few years. But it makes people think that prepaying everything at once is better.</p>



<p class="wp-block-paragraph">Companies might also ask for an&nbsp;advance payment guarantee as insurance. It&#8217;s a stipulation in some instances, e.g., if a person with bad credit is constantly behind their payments, the bank may ask them to pay in advance to avoid trouble.</p>



<h2 class="wp-block-heading"><strong>Why is prepayment a risk?</strong></h2>



<p class="wp-block-paragraph">Now that you know why you&#8217;ll need prepayment, you need a thorough understanding of things that can go wrong. As mentioned above, you need to appraise what sort of&nbsp;bank loan&nbsp;you have before you decide to prepay.</p>



<p class="wp-block-paragraph">Banks often incur charges if you try to close a loan before the set time. These penalties are because they&#8217;re also making money due to the interest rate. Check if the money you have to pay to close ahead of time is higher than the total sum you&#8217;ll pay on monthly instalments.</p>



<p class="wp-block-paragraph">Most often, prepayment affects MBS (mortgage-backed securities) and corporate funds because they&#8217;ll have to reinvest the money at current interest rates once an existing debt is paid in advance. That&#8217;s why prepayment penalties exist; otherwise, interest rate risk would be one-sided.</p>



<p class="wp-block-paragraph">Usually, people don&#8217;t have the financial means to make prepayments because they&#8217;ve already exhausted all of their standards before the loan. Most companies also require an&nbsp;<strong>advance payment guarantee</strong>&nbsp;to ensure they don&#8217;t lose money. It’s also why you can only apply for a loan if you meet certain requirements.</p>



<p class="wp-block-paragraph">It&#8217;s often years before people have the surplus to consider prepayments, and reports show that the number one reason&nbsp;personal loans in Singapore&nbsp;are taken out is to cover daily expenses. You’ll need to exhaust all your avenues if you want to pay early.</p>



<h2 class="wp-block-heading"><strong>Why do people often say &#8216;do not prepay&#8217;? Does prepayment reduce interest?</strong></h2>



<p class="wp-block-paragraph">You’ll often hear people say that it’s useless to prepay after half of the loan tenure has passed because of the low-interest amount by that time. But consider that the interest rate applies to the unpaid principal amount and remains the same throughout the tenure.</p>



<p class="wp-block-paragraph">While prepayment doesn&#8217;t reduce the interest itself, it will reduce the amount of time you&#8217;re paying installments and, in turn, the total amount you paid over the principal in interest. So, saying that you should or shouldn&#8217;t prepay depends on the loan.</p>



<p class="wp-block-paragraph">Currently, a&nbsp;Singapore loan&nbsp;at the best banks has an average rate of around 3.48%, which brings the payable amount to S$11,044 from S$10,000. If you can get this amount down, you&#8217;ll only be helping yourself.</p>



<p class="wp-block-paragraph">You’ll notice that the&nbsp;advance payment guarantee Wikipedia&nbsp;page lists some ways to receive money on time. Banks use these guarantees to make sure you can pay a loan. That&#8217;s also why you need to meet a certain salary level to be eligible for borrowing money; it’s the bank’s insurance.</p>



<h2 class="wp-block-heading"><strong>Which is better, increase EMI or prepayment?</strong></h2>



<p class="wp-block-paragraph">Once you’re back on your feet and have extra money, either through bonuses and raises at work or controlling your spending, you should first pay off a loan.</p>



<p class="wp-block-paragraph">Gaurav Mashruwala, an Indian investment advisor, stressed the importance of setting aside any money you can to pay off your loan, saying that several problems over the payment period can cause trouble and leave you with debt but no means to pay it.</p>



<p class="wp-block-paragraph">Apart from prepayment, you can also increase EMIs. These are equated to monthly instalments where you pay a set amount each month. There are different methods to calculate them; the flat-rate method means the interest rate is based on the principal loan even though it&#8217;s reduced each year.</p>



<p class="wp-block-paragraph">The reducing-balance method applies the interest rate to the loan amount left, so the EMIs are lower. Either way, EMIs mean you’re paying a fixed amount for a specified time.</p>



<p class="wp-block-paragraph">But the next question is whether you should go for an increase in EMI or prepayments. If we consider a regular&nbsp;loan in Singapore, an increase in EMI might do the trick. Again, you need to sit down and calculate how much you’ll be saving either way.</p>



<p class="wp-block-paragraph">As always, consider what sort of EMIs and loans you have. There are aspects to consider before making a decision.</p>



<p class="wp-block-paragraph">Do you need the tax benefits? The money you&#8217;re saving often makes retaining the tenure better than paying off the cash at once because you might not have the budget to handle the sudden increase.</p>



<p class="wp-block-paragraph">You can use a&nbsp;loan calculator&nbsp;to calculate the total interest, installment plan, and cost of every move. Ask your bank for prepayment penalties or other expenses when changing your plan.</p>



<p class="wp-block-paragraph">An increase in EMIs means you&#8217;re upping the amount you&#8217;ll pay each month to pay off the loan faster. You&#8217;ll probably need a strict budget to do this, but you can set up a rate proportional to your yearly salary increase.</p>



<p class="wp-block-paragraph">That’s also where buy-now-pay-later services like Atome can help. Say your monthly spending money is $400, but your microwave breaks down, so you need a new one. A good one costs at least $80, which’ll throw your budget off. Using Atome will cut it down to $26 per month, which is much easier to handle.</p>



<p class="wp-block-paragraph">Make sure you can handle the changes and draw up a plan that uses both EMIs and prepayments. Using the proportional method, increase the EMI amount yearly and use any bonuses or surplus money for prepayment.</p>



<p class="wp-block-paragraph">While this will make a tedious lifestyle for a few years, paying off a loan and having the pressure off your shoulders will let you live comfortably for the rest of your life.</p>



<figure class="wp-block-image size-full"><img data-recalc-dims="1" decoding="async" width="580" height="308" data-attachment-id="10426" data-permalink="https://blog.atome.sg/online-shopping-ideas/prepayment-atome/attachment/loan/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Loan.jpeg?fit=848%2C450&amp;ssl=1" data-orig-size="848,450" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Loan" data-image-description="" data-image-caption="" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Loan.jpeg?fit=580%2C308&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Loan.jpeg?resize=580%2C308&#038;ssl=1" alt="" class="wp-image-10426"/></figure>



<h2 class="wp-block-heading"><strong>Why you should go for Atome</strong></h2>



<p class="wp-block-paragraph">We know that staying within budget keeps our life simpler and debt-free in the long run, but how can you achieve it? Even if we don&#8217;t talk about extra purchases, things like microwaves, freezers, or other home items can cost a hefty sum that puts you way over your monthly limit. And everyone wants to treat themselves at times.</p>



<p class="wp-block-paragraph">That’s where&nbsp;<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a>&nbsp;comes in. Established in December 2019, the Singaporean company has risen to the top of the food chain in the BNPL retail industry. Today, it has a footing in over 8 countries, including Indonesia, Hong Kong, the Philippines, Thailand, Mainland China, Malaysia, Singapore, and Vietnam. With Atome, you can pay off your shopping bills through monthly payments and maintain a steady spending pattern. It allows you to prepay your loans without worrying about missing your payments because of overspending your monthly budget.</p>



<p class="wp-block-paragraph">With a reputation for being trustworthy and charging no interest or hidden fees, the company encourages careful spending rather than splurging and regretting. Their system lets you divide a purchase into three monthly payments, paying 1/3 up front and the rest over the subsequent two months. What&#8217;re you waiting for? Get the&nbsp;<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">app</a>&nbsp;now!</p>
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Do You Like Prepayment? Is It Better to Prepay Your Loan?


<p class="wp-block-paragraph">With the exponential rise in prices, it is understandable why more people are opting for&nbsp;hire purchase&nbsp;and&nbsp;leasing&nbsp;route than paying for products in one go. Most people have no other choice but to find alternatives to maintain their current lifestyle.&nbsp;</p>



<p class="wp-block-paragraph">After all, if replacing a faulty refrigerator is too costly and causes a burden to your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/wallet/page/1">wallet</a>, you may prefer to use hire purchase instead. You get to use the item while you pay for it in installments, and it is yours when the payments are all made, making it an extremely convenient option. On the other hand, leasing a refrigerator would mean you get to use it but never own it. Read along to learn more about the two possibilities and what sets them apart.</p>



<h2 class="wp-block-heading"><strong>What is hire purchase&nbsp;and its features?</strong></h2>



<p class="wp-block-paragraph">Hire purchase basically means paying for consumer goods with an initial down payment followed by monthly installments. As you are paying in parts, there is interest involved &#8211; hence, the total amount paid is higher than the original value. For example, if you buy a product worth $1000 via hire purchase, the owner might ask for $1700.</p>



<p class="wp-block-paragraph">Here&#8217;s the&nbsp;hire purchase formula&nbsp;that&#8217;s commonly used: deposit + total monthly payments.</p>



<p class="wp-block-paragraph">If you are looking to buy something expensive, this payment method comes in handy. It is easy to understand and does not involve a ton of calculations.&nbsp;</p>



<p class="wp-block-paragraph">While hire purchase is largely similar to installment plans, there are some differences too. With hire purchase, you get access to the goods after making the down payment, but the ownership is handed over after all the payments are transferred. On the contrary, according to some installment plan agreements, the buyer gets ownership of the product at the very beginning.&nbsp;</p>



<p class="wp-block-paragraph">The act of hire purchase is beneficial not only to the buyer but the seller as well. Since the ownership is withheld until the completion of payment, the seller has the power to repossess the item,&nbsp;in&nbsp;the&nbsp;case of missed installments.&nbsp;</p>



<p class="wp-block-paragraph">Hire purchase proves to be advantageous for a lot of businesses too, especially if they lack capital. If you are an up-and-coming business or a freshly launched start-up that needs new machinery or other assets but does not have enough cash to pay for it at once, then hire purchase is the way to go. You will not only get what you want, but it will also be yours after a certain amount of time. This is also great when you do not have enough collateral to get a line of credit.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Pros and cons of hire purchase&nbsp;</strong></h2>



<p class="wp-block-paragraph">Now that you know the&nbsp;meaning&nbsp;of&nbsp;hire&nbsp;purchase, it might be good to assess the advantages and disadvantages.&nbsp;</p>



<h3 class="wp-block-heading"><strong>The benefits</strong></h3>



<ul class="wp-block-list">
<li>Hire purchase enables you to upgrade to the latest products rather easily. The finer things are no longer out of reach.&nbsp;</li>



<li>You are able to afford expensive consumer goods without going over budget or putting a dent in your savings.&nbsp;</li>



<li>Following the down payment, you get to use the item to your liking even before all the installments are made. There is no waiting involved.&nbsp;</li>



<li>By the end of the agreement period, if you have been able to keep up with the monthly installments, you become the legal owner of the item in question.&nbsp;</li>



<li>Hire purchase does not come with a plethora of restrictions when it comes to using the product since you are going to own it eventually, unlike a lease or renting situation.&nbsp;</li>



<li>You have the liberty to pay off all the installments before the agreed-upon time for early possession.&nbsp;</li>



<li>This form of payment does not require you to have a perfect credit score.&nbsp;</li>
</ul>



<h3 class="wp-block-heading"><strong>The drawbacks</strong></h3>



<ul class="wp-block-list">
<li>Since you are paying for a good in parts as opposed to buying it outright, hire purchase comes with interest. This means you are paying more than the retail value in the long run.&nbsp;</li>



<li>An extended agreement period would mean smaller installments, but it would also mean paying more in interest.&nbsp;</li>



<li>While your credit score does not affect your eligibility for hire purchase, it does play a significant role in deciding the interest rate. A bad score typically equates to a higher rate.&nbsp;</li>



<li>Despite having possession of the good, you are not eligible to sell it until all of the money has been paid off.&nbsp;</li>
</ul>



<figure class="wp-block-image size-full"><img data-recalc-dims="1" decoding="async" width="580" height="386" data-attachment-id="10420" data-permalink="https://blog.atome.sg/online-shopping-ideas/hire-purchase-vs-leasing-atome/attachment/hire-purchase-2/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Hire-Purchase.png?fit=950%2C632&amp;ssl=1" data-orig-size="950,632" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Hire-Purchase" data-image-description="" data-image-caption="" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Hire-Purchase.png?fit=580%2C386&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Hire-Purchase.png?resize=580%2C386&#038;ssl=1" alt="" class="wp-image-10420"/></figure>



<h2 class="wp-block-heading"><strong>What is&nbsp;leasing?&nbsp;</strong></h2>



<p class="wp-block-paragraph">You must have heard phrases like&nbsp;leasing&nbsp;a&nbsp;car&nbsp;or leasing my apartment; allow me to shed some light on the&nbsp;meaning of&nbsp;lease.&nbsp;</p>



<p class="wp-block-paragraph">A lease allows you to rent an object for a certain period of time, during which you pay a fixed amount to the actual owner on a monthly basis. The person getting temporary access to the good is known as the lessee, and the owner is known as the lessor.&nbsp;</p>



<p class="wp-block-paragraph">There are many possibilities available, from leasing property and cars to machinery.&nbsp;</p>



<p class="wp-block-paragraph">Just like in the case of any other legally-binding agreement, breaking a lease contract in any way can have serious consequences for the party at fault. Breaking a lease without prior notice can&nbsp;land&nbsp;you. It might become challenging to lease something in the future, or you might end up losing the security deposit.&nbsp;</p>



<p class="wp-block-paragraph">A lot of lease agreements come with early termination clauses that prove to be beneficial for the lessee, especially in long-term situations. One such clause is about the inability of the lessor to maintain the quality of the good in question; this gives the lessee an opportunity to end the lease before the decided-upon period is over.&nbsp;</p>



<h2 class="wp-block-heading"><strong>The difference between hire purchase and leasing&nbsp;</strong></h2>



<p class="wp-block-paragraph">The chief distinction between the two is regarding the ownership of the product. By the end of a hire purchase agreement, you get ownership of the product, so there is no need to extend the agreement if you wish to keep using it. On the other hand, a lease implies that you are renting an object, and by the end of the time period, you either return it or request an extension.&nbsp;</p>



<p class="wp-block-paragraph">The monthly amount you pay in case of hire purchase includes interest, while lease installments are typically free of interest.&nbsp;</p>



<p class="wp-block-paragraph">Now whichever one you choose depends on the need of the hour. If you require something for a brief period of time, then leasing it might be the way to go. If you need an item permanently but cannot afford to pay for it upfront, hire purchase makes for a suitable alternative.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Buy now, pay later and Atome</strong></h2>



<p class="wp-block-paragraph">One cannot discuss convenient payment methods without including the buy now, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">pay later</a> services.</p>



<p class="wp-block-paragraph">One such application that allows you to pay for your purchase in smaller amounts is&nbsp;<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a>. It is a cutting-edge that aims to make products and services more accessible for its users.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Atome review</strong></h3>



<ul class="wp-block-list">
<li>Choosing Atome as the payment method splits your bill into three smaller payments that are then paid at scheduled intervals.&nbsp;</li>



<li>Said payments are free of interest, and you are only supposed to pay off the exact amount that was spent.&nbsp;</li>



<li>Paying with Atome gives you the liberty to invest in expensive items without having to worry about going over your monthly budget.</li>



<li>You get complete access to the purchased item after the initial payment. The application automatically charges each payment to the linked credit or debit card.&nbsp;</li>



<li>Users are not charged extra money in the name of service or additional charges. Downloading the app (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">get it here</a>) and signing up for it are free.&nbsp;</li>



<li>Atome is affiliated with over 10,000 local and international brands, which means you can conveniently pay for almost every other product and service out there.&nbsp;</li>



<li>The best part is that this user-friendly application can be used to pay for your online and in-store shopping.&nbsp;</li>



<li>Users a myriad of exclusive discount vouchers and promotional codes at various partner brands.&nbsp;</li>



<li>New members receive a discount voucher worth $10 on their first purchase made with Atome.&nbsp;</li>



<li>Missing a payment results in the suspension of your Atome account until all the dues are cleared. Under such circumstances, you are also required to pay an administrative fee.&nbsp;</li>
</ul>


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" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?resize=180%2C180&#038;ssl=1" alt="First Order Up To $10 Off! Download Atome!" class="wp-image-16164" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?w=180&amp;ssl=1 180w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?resize=150%2C150&amp;ssl=1 150w" sizes="(max-width: 180px) 100vw, 180px" /><figcaption class="wp-element-caption">First Order Up To $10 Off! 
Download Atome!</figcaption></figure>
</div>


<h2 class="wp-block-heading"><strong>Thoughts</strong></h2>



<p class="wp-block-paragraph">Inflation is a very valid and real concern but feasible payment methods like Atome make it possible for us to afford various necessities and luxuries. While hire purchase and lease are great options, Atome remains my favorite. You can use it to pay for a boatload of items without being charged any interest. Download the fantastic app now and get shopping!</p>
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Hire Purchase VS. Leasing – The Tools for Battling Inflation 


<p class="wp-block-paragraph">Fraud&nbsp;has a wide range of implications. In 2021, the US alone had 847,376 Internet fraud complaints lodged, with total losses reaching $6.9 billion, as&nbsp;reported by the FBI. Learn more about fraud &#8211; how to identify it and how to prevent yourself from falling prey on the internet.</p>



<h2 class="wp-block-heading"><strong>What is internet fraud?</strong></h2>



<p class="wp-block-paragraph">Internet fraud makes use of the Internet to commit cybercrime fraud</p>



<p class="wp-block-paragraph">Thi includes ransomware, viruses, unauthorised access to your computer, and hacking into your account to gain personal information such as your credit card details or identity numbers. With these details, scammers could possibly make purchases or transfer money out of your account.</p>



<h2 class="wp-block-heading"><strong>The consequences of Internet Fraud</strong></h2>



<p class="wp-block-paragraph">There have been several incidents that targeted large banks in particular. In March 2020, over 200,000 credit card details were published online from top banks in Southeast Asia, including Singapore. </p>



<h2 class="wp-block-heading"><strong>How to identify fraud</strong>?</h2>



<p class="wp-block-paragraph">Consider this, you receive a message that someone made an unathorised transaction from your bank account. Or, you get a payment confirmation for a purchase you never made, but the money&#8217;s already transferred out of your bank account.</p>



<p class="wp-block-paragraph">Initially, you don’t know what happened, but then realised that there was a text message from an unknown number asking you to confirm your bank account details. Or maybe you signed up for an account on a suspicious website and entered your personal information.</p>



<p class="wp-block-paragraph">While it’s hard to prevent scams completely, you can take steps to identify them and protect yourself.</p>



<p class="wp-block-paragraph">First, never answer texts, emails, or calls from unknown numbers asking you to update your credit card information and passwords. Scammers often use urgent language to try to instill panic and get you to reveal personal information.</p>



<p class="wp-block-paragraph">E-commerce websites are designed to look professional and legitimate, but never give them your information. Check social media reviews if anyone has ordered from them and ensure it&#8217;s a well-known brand.</p>



<p class="wp-block-paragraph">Ensure you are alerted of any bank transactions and track your transactions to ensure there&#8217;s no suspicious activity. And finally, refrain from making online purchases on public Wi-Fi because such an unsecured connection can allow hackers to steal your information or inject your hardware with malware.</p>



<h2 class="wp-block-heading"><strong>Why you are safe when using Atome</strong></h2>



<p class="wp-block-paragraph">Established in December 2019 in Singapore,&nbsp;<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a>&nbsp;rose to meet the growing demand for <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">Buy Now Pay Later</a> (BNPL) services, the company has entered several countries worldwide, including Indonesia, Hong Kong, Philippines, Thailand, Mainland China, Malaysia, Singapore, and Vietnam.</p>



<p class="wp-block-paragraph">Atome is the choice of thousands of users.</p>



<p class="wp-block-paragraph">All you have to do to get started is&nbsp;<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">download the app</a>&nbsp;and register your account to start shopping.</p>


<div class="wp-block-image">
<figure class="aligncenter size-full"><img data-recalc-dims="1" decoding="async" width="180" height="180" data-attachment-id="16164" data-permalink="https://blog.atome.sg/campaign/discover-stunning-nails-for-chinese-new-year-2024/attachment/qr-code/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" data-orig-size="180,180" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="First Order Up To $10 Off! Download Atome!" data-image-description="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
Download Atome!&lt;/p&gt;
" data-image-caption="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
Download Atome!&lt;/p&gt;
" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?resize=180%2C180&#038;ssl=1" alt="First Order Up To $10 Off! Download Atome!" class="wp-image-16164" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?w=180&amp;ssl=1 180w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?resize=150%2C150&amp;ssl=1 150w" sizes="(max-width: 180px) 100vw, 180px" /><figcaption class="wp-element-caption">First Order Up To $10 Off! 
Download Atome!</figcaption></figure>
</div>


<p class="wp-block-paragraph">Atome ensures that their customers’ information isn’t compromised. As soon as you suspect or witness any fraudulent activity, you can inform Atome.</p>



<p class="wp-block-paragraph">Atome protects your privacy and adheres to the PDPA (Personal Data Protection Act 2012) ensuring good policies and practices for handling personal data.</p>



<h3 class="wp-block-heading">How to Pay With Atome Merchants</h3>



<ul class="wp-block-list">
<li>Shop from any merchant<s>’s</s> online or  in-store and select Atome as your payment method when checking out.</li>



<li>Enter your account details and checkout.</li>



<li>Pay 1/3 of your purchase upfront, and the rest can be paid in two monthly payments.</li>
</ul>
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Atome: How to Identify If Your Electronic Identity Is in Danger


<p class="wp-block-paragraph">Most of us have been in a financial pinch at some point in our lives, and a&nbsp;bank&nbsp;overdraft&nbsp;really comes in handy during such situations. However, like most financial facilities, this one has its fair share of drawbacks. It is imperative that you know all the facts before overdrawing your checking account so as to avoid landing in hot waters.&nbsp;</p>



<p class="wp-block-paragraph">There are quite a few circumstances that can lead to an overdrawn account. Maybe you made a deposit earlier in the day, which got delayed, and you unknowingly overspent the amount in your account. Perhaps you forgot to write a cheque to an acquaintance and charged a considerable amount to your account, expecting it to have sufficient funds.&nbsp;</p>



<p class="wp-block-paragraph">Conversely, one can intentionally decide to make use of the&nbsp;overdraft facility&nbsp;depending on the need of the hour. It can be to renew a lease, replace a broken <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/laptop/page/1">laptop</a>, pay for your college tuition, or other emergencies.&nbsp;</p>



<p class="wp-block-paragraph">Read along to glean more insights into the&nbsp;meaning&nbsp;of&nbsp;a bank overdraft.</p>



<h2 class="wp-block-heading"><strong>What is overdraft</strong>&nbsp;<strong>and its features?</strong></h2>



<p class="wp-block-paragraph">Simply put, an overdraft happens when the bank allows a transaction to go through even&nbsp;if&nbsp;you do not have enough cash in your account. While it not seem like a big issue,&nbsp;&nbsp;an&nbsp;overdraft&nbsp;actually&nbsp;requires you to pay&nbsp;the amount back with an interest rate that&#8217;s higher than usual.&nbsp;</p>



<p class="wp-block-paragraph">There are&nbsp;many&nbsp;different ways in which you can go into overdraft, such as writing cheques, ATM withdrawals, debit card purchases, in-person cash withdrawals, and automatic payments.&nbsp;</p>



<p class="wp-block-paragraph">If this is your first time hearing about this facility, then you might want to contact your bank for more details. Usually, there are two types of overdrafts: an authorised one and an unauthorised one.&nbsp;</p>



<p class="wp-block-paragraph">The former means that you and your bank have an agreement in place to specify a certain amount for the overdraft. Make sure to address the topic when opening a new bank account so that the terms and conditions are out in the open and you are well prepared for an emergency.&nbsp;</p>



<p class="wp-block-paragraph">As for the latter, an unauthorised overdraft means that you have exceeded the pre-determined overdraft limit, and is subject to the bank&#8217;s approval. This might even affect your credit score.&nbsp;</p>



<p class="wp-block-paragraph">If you think that an overdraft is quite similar to a loan, then you are right on the money. In both cases, you are borrowing money from the bank, but there are noticeable features to set the two apart.&nbsp;</p>



<h3 class="wp-block-heading">Difference between a loan and an overdraft</h3>



<ol class="wp-block-list">
<li>While you loan a fixed amount from the bank, the value of an overdraft can vary as long as it is within the set limit.&nbsp;</li>



<li>A loan is borrowed capital, while an overdraft is a form of credit.&nbsp;</li>



<li>Loans are great for long-term financial plans; on the other hand, overdrafts are great short-term solutions.&nbsp;</li>



<li>Interest is involved in both cases, but the calculation methods are different.&nbsp;</li>



<li>When it comes to repayment, a loan is typically paid off via monthly installments, while an overdraft is paid off by depositing money into your account.&nbsp;</li>



<li>A loan is more manageable due to&nbsp;monthly installment plans that you can pre-plan for&nbsp;; on the other hand, an overdraft involves no structured payment plan.</li>
</ol>



<figure class="wp-block-image size-full"><img data-recalc-dims="1" decoding="async" width="580" height="328" data-attachment-id="10406" data-permalink="https://blog.atome.sg/online-shopping-ideas/bank-overdraft-vs-buy-now-pay-later-atome/attachment/overdraft-bnpl/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Overdraft-bnpl.jpeg?fit=800%2C452&amp;ssl=1" data-orig-size="800,452" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Overdraft-bnpl" data-image-description="" data-image-caption="" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Overdraft-bnpl.jpeg?fit=580%2C328&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Overdraft-bnpl.jpeg?resize=580%2C328&#038;ssl=1" alt="" class="wp-image-10406"/></figure>



<h2 class="wp-block-heading"><strong>Advantages&nbsp;and disadvantages of an&nbsp;overdraft</strong></h2>



<p class="wp-block-paragraph">Here are the pros and cons of a bank overdraft that&nbsp;might help you decide if overdrawing your account is worth it or not.&nbsp;</p>



<h3 class="wp-block-heading"><strong>The pros</strong></h3>



<ol class="wp-block-list">
<li>It proves to be helpful on rainy days since you have immediate access to extra cash.&nbsp;</li>



<li>Your checks are not bounced even if your account has an insufficient balance.</li>



<li>You are able to avoid late payments to other merchants&nbsp;even if you are running low on funds.&nbsp;</li>



<li>An overdraft facility can be availed rather quickly as it does not require a whole lot of official paperwork like a traditional loan.&nbsp;</li>



<li>You are not bound to overdraw a fixed amount; it can vary depending on how much you need.&nbsp;</li>
</ol>



<h3 class="wp-block-heading"><strong>The cons&nbsp;</strong></h3>



<ol class="wp-block-list">
<li>An overdraft comes attached with a sizeable interest rate, so you will be paying back a lot more than the amount overdrawn.&nbsp;</li>



<li>A bank&#8217;s overdraft facility is subject to frequent changes,&nbsp;such as limit reduction or a spike in interest rates.</li>



<li>The lack of a repayment plan might negatively affect your finances and budgeting since there is no fixed amount that needs to be paid back each month.&nbsp;</li>



<li>You might end up overdrawing your account more often than not, which can be a problem when it is time to pay back the bank.&nbsp;</li>
</ol>



<h2 class="wp-block-heading"><strong>What is Buy Now, Pay Later&nbsp;</strong></h2>



<p class="wp-block-paragraph">If you ever find yourself in a dire financial situation, then it might be beneficial to familiarize yourself with buy now and pay later.&nbsp;</p>



<p class="wp-block-paragraph">It is a payment method that more and more brands, companies, and service providers are offering to their customers. It allows you to pay for a purchased good or service via easy installments as opposed to paying it all at once.&nbsp;</p>



<p class="wp-block-paragraph">The monthly payment plan allows you to afford pricier items without going over budget.&nbsp;</p>



<p class="wp-block-paragraph">Among the several buy now, pay later programs, Atome happens to be&nbsp;one of&nbsp;the leading one. Due to its authenticity and user-friendly interface, the buy now, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">pay later</a> application is garnering more users by the day.&nbsp;</p>



<h2 class="wp-block-heading"><strong>All you need to know about Atome</strong></h2>



<p class="wp-block-paragraph">When you select <a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a> as your preferred method of payment,&nbsp;your bill is divided into three parts that are to be paid at regular intervals. And don&#8217;t worry about outrageous interest rates because there are none. Yes, that is correct; Atome payments are free of interest. All you need to do is pay off the total amount spent&nbsp;during the stipulated periods.&nbsp;</p>



<p class="wp-block-paragraph">Naturally, the first payment is made on the spot, and you are free to leave with your purchase. The remaining two are charged over time, at monthly intervals.</p>



<p class="wp-block-paragraph">The best part is the program&#8217;s partnership with over 10,000 leading brands, both local and international. You can practically pay for every other purchase via Atome.&nbsp;</p>



<p class="wp-block-paragraph">To get started, all you need to do is download the application (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">get it here</a>) and create an account on it. It works for both Android and iOS devices. You can also download the app from Google Play Store or App Store.&nbsp;</p>



<p class="wp-block-paragraph">New Atome users are rewarded a welcome voucher worth $10 to use on their first purchase. That&#8217;s not all; various affiliate brands have different ongoing discounts and deals for Atome shoppers.&nbsp;</p>



<p class="wp-block-paragraph">Atome&#8217;s convenience doesn&#8217;t end here. To save you from missing a payment, the app automatically charges it to the debit or credit card listed on your account.&nbsp;</p>



<p class="wp-block-paragraph">However, in case of a missed payment, which can be due to several reasons, your Atome account is suspended until the clearance of all dues. An additional $15 administrative fee is charged for the reactivation of your account.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Conclusion&nbsp;</strong></h2>



<p class="wp-block-paragraph">An overdraft proves to be helpful in times of need, but maybe it is time that you switched to Atome. It comes with a proper repayment plan, unlike the monetary chaos that an overdraft incurs. Atome doesn&#8217;t need you to pay interest or additional charges as opposed to an overdraft. So, get your phone and sign yourself up for hassle-free shopping sprees!&nbsp;</p>
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Bank Overdraft VS. Buy Now Pay Later – Which One to Choose? 


<p class="wp-block-paragraph">Omnidesk was founded with an ambitious goal of offering height adjustable standing desks at an insanely affordable price while paving the way for a healthy workplace environment. The idea behind the brand was incepted in response to a challenge; the exorbitant prices of standing desks stood in the way of those spending hours behind a desktop, wishing to have a better posture. And as the founders behind Omnidesk were themselves small business owners/ tech consultants cum retired gamers, they saw the need to provide affordable ergonomic work tables, and voila, Omnidesk was founded!</p>



<p class="wp-block-paragraph">By&nbsp;bringing designing, research, and development in-house, Omnidesk was able to substantially cut down the prices while maintaining the stellar quality of aesthetic and functional custom standing desks, at a fraction of the&nbsp;rivaling&nbsp;market price.</p>



<p class="wp-block-paragraph">Omnidesk also addresses an important issue, that is the standardization of computer desks for all individuals. While we all have different tastes and preferences, we shouldn&#8217;t expect to stick with a standard computer desk for everyday use. And thus, Omnidesk set forth with the aim of creating affordable desks with easy access that were customizable according to the user&#8217;s need.</p>



<h2 class="wp-block-heading"><strong>Why do we need professional computer desks?</strong></h2>



<p class="wp-block-paragraph">A computer desk is a crucial piece of furniture in an office or any other workspace. Heck, even if there&#8217;s no other <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/furniture/page/1">furniture</a>, a computer desk makes the most quintessential part of the office or the gamer&#8217;s room. PCs have intricate wires and connections, and it&#8217;s in the best interest of the safety of you and your computer that you have it placed on a computer desk.</p>



<h3 class="wp-block-heading"><strong>User well-being for prolonged usage</strong></h3>



<p class="wp-block-paragraph">Computer desks&nbsp;are optimized&nbsp;such&nbsp;that the keyboard, mouse, and the monitor are placed at ideal height and distance so that the user&#8217;s eyes are not strained, their wrists don&#8217;t tire up or develop Carpal Tunnel Syndrome, and their back doesn&#8217;t develop pain or strain, and most importantly, your posture remains comfortable. Users who use their PC or <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/laptop/page/1">laptop</a> in an inappropriate sitting position are much more prone to affect their posture negatively and may even develop kyphosis or scoliosis.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Systematic and convenient</strong></h3>



<p class="wp-block-paragraph">It is so convenient that you can just press the power button, slide your keyboard out of the drawer and start working right away. Computers mounted on computer desks occupy much less space than in the open. The smaller electronic accessories like the mouse, headphones, or microphones are less likely to get misplaced. The hidden holes for cables and wires make your workplace look much neater with less clutter.</p>



<h3 class="wp-block-heading"><strong>Recommended for gamers and streamers&nbsp;</strong></h3>



<p class="wp-block-paragraph">Gamers can&#8217;t afford anything that would stand in their way of a premium gaming experience. Even the most minuscule and trivial factor could have dire consequences in games requiring lightning-fast reflexes. As mentioned earlier, computer desks optimize the user experience; therefore, they are a must for all gamers. Moreover, most of the gamers stream their games online, and having the perfect angle is imperative for the perfect streaming, all of which require a computer desk.</p>



<figure class="wp-block-image size-large"><img data-recalc-dims="1" height="427" width="580" decoding="async" data-attachment-id="10376" data-permalink="https://blog.atome.sg/online-shopping-ideas/omnidesk-atome-singapore/attachment/computer-desk/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/computer-desk.png?fit=1408%2C1036&amp;ssl=1" data-orig-size="1408,1036" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="computer-desk" data-image-description="" data-image-caption="" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/computer-desk.png?fit=580%2C427&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/computer-desk.png?resize=580%2C427&#038;ssl=1" alt="" class="wp-image-10376"/></figure>



<h2 class="wp-block-heading"><strong>What to look out for before choosing a computer desk?</strong></h2>



<p class="wp-block-paragraph">Buying a computer desk isn&#8217;t a simple and straightforward task. There are multiple factors to be equated in for creating your perfect workplace environment.</p>



<h3 class="wp-block-heading"><strong>The size of the computer table&nbsp;</strong></h3>



<p class="wp-block-paragraph">It&#8217;s up to you to decide how big your computer desk should be according to your usage and your line of work. If you&#8217;re a gamer or your profession requires minimal space, you should get a smaller computer desk. But if, let&#8217;s say, you require printers, scanners, fax machines, and landlines, you&nbsp;might require a bigger desk.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Computer tables come in different shapes</strong></h3>



<p class="wp-block-paragraph">You don&#8217;t have to stick to&nbsp;standard&nbsp;designs, especially if they don&#8217;t&nbsp;mesh&nbsp;well for the room they&#8217;re going to be placed in. You can have computer tables in any shape you like and have them altered or even designed from scratch according to your customization to fit your needs.</p>



<h2 class="wp-block-heading"><strong>Omnidesk Showroom</strong></h2>



<p class="wp-block-paragraph">You can visit the nearest Omnidesk Showroom or even shop online to find a plethora of Omnidesk products. But before you check them out, we feel compelled to share with you that their bestseller is the Omnidesk Pro. An&nbsp;Omnidesk priced&nbsp;at just $750, the&nbsp;Omnidesk pro&nbsp;comes in two colored frames; black and white; three&nbsp;Omnidesk sizes&nbsp;– small (48&#215;30 inches), Large (60&#215;30 inches), and Extra Large (72&#215;30 inches), and three cable management solutions – simple and advanced cable management bars and the Zen cable management pack. You can also have other add-ons, such as power and cable management accessories, monitor mounting solutions, floor and desk mats, desk organizers, lighting, seating and audio solutions, and desk risers.</p>



<p class="wp-block-paragraph"><strong>Omnidesk&nbsp;Pro</strong>&nbsp;is critically acclaimed for its exceptional stability and faster and smoother movement of gears for accurate height adjustments, controller dimmer and desk feet redesign for better stability, and anti-collision mechanism.&nbsp;</p>



<h2 class="wp-block-heading">Other Omnidesk accessories:</h2>



<p class="wp-block-paragraph"><a href="https://www.atome.sg/paylater-merchants/omnidesk" target="_blank" rel="noreferrer noopener">Omnidesk</a> offers myriad related products for the ultimate gaming experience or other computer-related work. These products include&nbsp;Omnidesk power clamp,&nbsp;Omnidesk monitor arm,&nbsp;Omnidesk mounted power bar,&nbsp;Omnidesk PC mount, floor mats, desk mats, anti-fatigue mats, lighting, table, and mouse mats, etc. So, in essence, Omnidesk is your one-stop solution to cater to all computer-related accessories.</p>



<h2 class="wp-block-heading"><strong>Use Atome to shop for computer desks from Omnidesk</strong></h2>



<p class="wp-block-paragraph">Though Omnidesk is a cheaper alternative than most of its rivaling companies, spending close to a thousand dollars still tugs at heartstrings as it is a big financial commitment. Fret not, Atome is here to the rescue! Headquartered in Singapore, Atome is a buy now, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">pay later</a> (<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">BNPL</a>) app. Atome helps to ease the financial burden of hefty shopping by providing three monthly, interest-free payments.&nbsp;It&#8217;s available on both Android and iOS.&nbsp;<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a>&nbsp;operates in 8 countries, including Singapore, Indonesia, Hong Kong, Mainland China, Thailand, Vietnam, and the Philippines.&nbsp;Atome&nbsp;is an E-commerce website that is growing exponentially, with over 10,000 online and offline merchants.&nbsp;Omnidesk&nbsp;is one of them!</p>



<p class="wp-block-paragraph">We know we have piqued your interest, and you want to know <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/how-it-works">how it works</a>. Click on the&nbsp;<a href="https://www.atome.sg/how-it-works" target="_blank" rel="noreferrer noopener">link</a>&nbsp;and find out! Moreover, when you create an account for the first time, you get a&nbsp;$10&nbsp;shopping voucher that can be used for any purchase! So, what are you waiting for?&nbsp;<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app now</a>!</p>



<p class="wp-block-paragraph"><strong>How to pay using Atome:</strong></p>



<p class="wp-block-paragraph">· First, choose all the items you want to shop for, add them to your shopping cart and proceed to checkout.</p>



<p class="wp-block-paragraph">· You will be displayed with many payment options; choose Atome.</p>



<p class="wp-block-paragraph">· Next, you have to sign in to your Atome account. If you don&#8217;t have an account, you can create one today, completely free!</p>



<p class="wp-block-paragraph">· Finally, you&#8217;re ready for the purchase. You must make an initial payment, a third of the total amount, at the&nbsp;checkout. The remaining amount will be divided into two monthly&nbsp;payments.&nbsp;</p>
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The Story Behind Omnidesk Singapore


<p class="wp-block-paragraph">The Mattress Boutique&nbsp;is a joint venture created by a group of furniture and mattress enthusiasts with the aim of making slumber a truly rejuvenating process without costing an arm and a leg.&nbsp;The mattress boutique<strong>&nbsp;</strong>believes that the customer experience is cardinal to the company&#8217;s success. For this reason, the company puts itself into the customers&#8217; shoes and thinks from their perspective. The&nbsp;Mattress boutique&nbsp;has always strived to deliver the best and the most perfectly engineered mattresses for good quality sleep.</p>



<p class="wp-block-paragraph">The Mattress Boutique&nbsp;is an authorized seller of a diverse range of mattresses such as the Fourstar, King Koil, Dunlopillo, Sleepnetics, and many more. The products available at&nbsp;The Mattress Boutique&nbsp;include Bedding with further categories of pillows and mattress covers, then there are bed frames ranging from Faux-Leather beds to wooden, fabric, and storage beds, and lastly, the specialty; mattresses. You can shop for mattresses according to the brand, size, and type. Other products at&nbsp;The Mattress Boutique&nbsp;include space-saving <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/furniture/page/1">furniture</a>, creative wall art paneling, bedsheets, and bolsters.</p>



<p class="wp-block-paragraph"><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/the-mattress-boutique">The Mattress Boutique</a>&nbsp;directly imports from the manufacturing factories resulting in the cost-effectiveness that translates into affordable prices on the consumer end. Their customer care officials are always at your disposal to answer any question, query, or issue that may arise, resulting in troubled sleep. Search for &#8220;The Mattress Boutique reviews&#8221; online to hear what our customers say!</p>



<h2 class="wp-block-heading"><strong>What makes The Mattress Boutique&#8217;s mattresses stand out?</strong></h2>



<p class="wp-block-paragraph">The Mattress Boutique&nbsp;curates mattresses from the following brands:</p>



<h3 class="wp-block-heading"><strong>Dunlopillo</strong></h3>



<p class="wp-block-paragraph">The Dunlopillo Celeste mattress is a 100% latex mattress with firm support to keep your backache woes at bay. The Dunlopillo mattresses have seven comfort zones with progressive comfort. These mattresses are naturally breathable and pressure relieving. The Actipro technology endows it with anti-bacterial/ anti-microbial and anti-allergenic/ hypoallergenic properties while repelling dust mites and odors. The mattresses have a soft touch cover at the top for a comfortable sleep.</p>



<h3 class="wp-block-heading"><strong>King Koil</strong></h3>



<p class="wp-block-paragraph">The King Koil mattresses are made with natural yarns such as eucalyptus and bamboo, which gives them a soft touch and excellent permeability. Bamboo also has deodorizing and hypoallergenic properties. The Cool Max and TempRIGHT technology regulate the temperature and moisture of the sleeping surface by absorbing excess heat and wicking excess moisture. The Aloe Vera extracts nourish the skin, while the ARGENTUM PLUS technology contains silver ions, making these mattresses anti-bacterial. King Koil mattresses are engineered to be specifically mosquito repellant in nature. They have Micro-Gel and Visco Elastic (memory foam) technology, which makes them super light and pressure relieving. They&#8217;re made of 100% Natural Latex, have Excellent Edge, High Resilience Foam Encasement, and 5 Zone Individually Pocketed Barrel Shape Spring, making them eco-friendly, extremely stable, and the epitome of comfort. Their mattress covers are treated to be anti-allergic and anti-microbial.</p>



<h3 class="wp-block-heading"><strong>SofzSleep</strong></h3>



<p class="wp-block-paragraph">SofzSleep Grand Mattress is made of pure Oekotex and Eurolatex certified natural latex, which is naturally elastic to provide pressure relief, durability, and strength and doesn&#8217;t contain formaldehyde, so there&#8217;s no off-gassing of toxic and noxious fumes. It has a plush layer of soft latex on a firm core to offer stable and enveloping body support. It has a natural bamboo cover that is hypoallergenic, anti-bacterial, and anti-fungal without compromising its extreme breathability. To fortify this anti-microbial effect, it has a Swiss anti-microbial Sanitized Cover that prevents the development of dust mites and molds, deterring the development of spots and odors. It is EMF and metal-free, preventing you from unwanted radiation. It has a zip to remove the cover for dry cleaning easily. And to vouch for its quality, it has a 10-year warranty against latex sagging.</p>



<h3 class="wp-block-heading"><strong>Stylemaster</strong></h3>



<p class="wp-block-paragraph">The Stylemaster Post-U-Rite Pocketed Spring non-flip Mattress has a specialized individual pocketed spring system, which moves independently of each other, adjusting to the pressure applied directly on top of them, providing extraordinary back support. It also has a Premium Euro top and Edge Guard system, preventing the mattresses from sagging. It also has Advanced Turn-free technology. They are treated to be Anti-fungal, Anti-bacterial, and anti-dust mite. And to top it all off, they come with a whopping 15-year warranty!</p>



<h3 class="wp-block-heading"><strong>Maxcoil</strong></h3>



<p class="wp-block-paragraph">Maxcoil Eveston Mattress is formulated with soft, high-density foam, giving it medium strength. It also has Edge and Corner guard support, safeguarding the mattress against sagging. The Fabric cover prevents dust mites, bacteria, mildew, and fungal proliferation. It comes with a high resilience foam, sanitized knitted fabric, and a Flexi coil spring system. It comes with 12 years of warranty, covering manufacturing defects and normal body impressions.</p>



<h3 class="wp-block-heading"><strong>Four Star</strong></h3>



<p class="wp-block-paragraph">DETENSE | ARTICSILK Advanze Aire Flex, which has the anti-static and cooling DETENSE arcticsilk fabric, which offers multidimensional support and airflow for a cool and restful night&#8217;s sleep</p>



<p class="wp-block-paragraph">CHIRO SERIES are supreme mattresses featuring a Luxurious Box Plus and pillow top with a double offset LFK spring that suits all body types. The pocket spring, memory foam, latex details, and the starrer chiropedic technology together form the amalgamation that is the premium elixir for optimum support.</p>



<figure class="wp-block-image size-full is-resized"><img data-recalc-dims="1" decoding="async" width="560" height="280" data-attachment-id="10383" data-permalink="https://blog.atome.sg/online-shopping-ideas/mattress-boutique-atome-singapore/attachment/the-mattress-boutique/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/The-Mattress-Boutique.jpeg?fit=560%2C280&amp;ssl=1" data-orig-size="560,280" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="The-Mattress-Boutique" data-image-description="" data-image-caption="" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/The-Mattress-Boutique.jpeg?fit=560%2C280&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/The-Mattress-Boutique.jpeg?resize=560%2C280&#038;ssl=1" alt="" class="wp-image-10383"/></figure>



<h2 class="wp-block-heading"><strong>So, what&#8217;s the hype around good quality sleep?</strong></h2>



<p class="wp-block-paragraph">Since there&#8217;s a multibillion-dollar industry revolving around products improving sleep quality, it shouldn&#8217;t be a surprise that sleep is a vital element of life. There are hefty consequences of poor and compromised sleep. Sleep deprivation is divided into two categories; acute and chronic. While we all have faced acute sleep deprivation at some point in our life, some unfortunate individuals have chronic sleep deprivation, and this hypersomnia comes with dire repercussions.</p>



<p class="wp-block-paragraph">If you had a bad sleep a day before an important exam, meeting, or any other important event in your life, you will wake up groggy, irritable, and cranky. Your cognition will have significantly (albeit momentarily) decreased, your alertness and reaction time will drastically plummet, and your reflexes may slow down. This would mean a poor performance on a test/ exam, a bad impression in a meeting, or even road traffic accidents in the worst-case scenario!</p>



<p class="wp-block-paragraph">Chronic sleep deprivation has even more austere effects. You run a risk of cardiovascular diseases such as heart failure, strokes, and high blood pressure. Your memory will start to decline irreparably and your mood will progressively deteriorate. You will have a weakened immune system, increasing the susceptibility to infections and predisposing you to diabetes mellitus and weight gain. </p>



<h2 class="wp-block-heading"><strong>How to improve the quality of sleep?</strong></h2>



<p class="wp-block-paragraph">To improve sleep quality, it&#8217;s important to first establish the cause of your bad sleep in the first place so that you nip the evil in the bud. Hyposomnia is mostly due to medical reasons, the most common of which is Obstructive Sleep Apnea (OSA). OSA is almost always attributed to obesity. It can easily be reversed by cutting down weight or using a machine called CPAP (continuous positive airway pressure), a mask-like device that ensures that your airway doesn&#8217;t collapse when you&#8217;re asleep. Other breathing disorders such as nasal allergies, sinusitis, and asthma can also cause sleepless nights, which are all reversible or treatable conditions. Pain due to any reason can disturb a good night&#8217;s sleep. Digestive and genitourinary disorders can also cause poor sleep, causing the sufferer to wake up multiple times at night to go to the loo. Fortunately, most if not all of these complaints are resolvable through medical interventions.</p>



<p class="wp-block-paragraph">Anxiety and stress-related disorders can precipitate clinical insomnia, which requires medical attention. Doctors prescribe drugs like melatonin to reestablish the circadian rhythm or tranquilizers in extreme cases. Note that tranquilizers and anxiolytics are dangerous drugs and must not be consumed without a doctor&#8217;s prescription.</p>



<p class="wp-block-paragraph">Alas, bad sleep can result from a saggy, worn-out, or defective mattress. The purpose of sleep is to wake up refreshed and rejuvenated, but if your resting place is uncomfortable, that isn&#8217;t possible. To have the optimum quality of life, always keep the most pristine mattress or foam, and try lowering the room temperature a couple of degrees lower than the atmospheric temperature. Stop using your mobile phone a couple of minutes before your sleep time. And most importantly, sleep early, so you get your 7-9 hours of quality sleep.</p>



<h2 class="wp-block-heading"><strong>Use Atome to pay for your mattress</strong></h2>



<p class="wp-block-paragraph">With prices starting at 799 SGD and above, mattress shopping is expensive. But this doesn&#8217;t mean you should settle for cheap and mediocre mattresses at any cost! Headquartered in Singapore, Atome is a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">Buy now</a>, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">pay later</a> (<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">BNPL</a>) app. Atome helps to ease the financial burden of hefty shopping by providing three monthly, interest-free&nbsp;payments. It&#8217;s available on both Android and iOS.&nbsp;<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a>&nbsp;operates in 8 countries, including Singapore, Indonesia, Hong Kong, Mainland China, Thailand, Vietnam, and the Philippines.&nbsp;Atome&nbsp;is an E-commerce website that is growing exponentially, with over 10,000 online and offline merchants.&nbsp;The Mattress Boutique&nbsp;is one of them!</p>



<p class="wp-block-paragraph">Click on the link and find out! Moreover, when you create an account for the first time, you get a $10 shopping voucher that can be used for any purchase! So, what are you waiting for? <a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app now</a>!</p>


<div class="wp-block-image">
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" data-image-caption="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
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</div>


<p class="wp-block-paragraph"><strong>How to pay using Atome:</strong></p>



<p class="wp-block-paragraph">· First, choose all the items you want to shop for, add them to your shopping cart and proceed to checkout.</p>



<p class="wp-block-paragraph">· You will be displayed with many payment options; choose Atome.</p>



<p class="wp-block-paragraph">· Next, you have to sign in to your Atome account. If you don&#8217;t have an account, you can create one today, completely free!</p>



<p class="wp-block-paragraph">· Finally, you&#8217;re ready for the purchase. You must make an initial payment, a third of the total amount at the&nbsp;checkout. The remaining amount will be divided into two monthly&nbsp;payments.</p>
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Get to Know The Mattress Boutique Singapore


<p class="wp-block-paragraph">Refrigerators are among the top ten essential home appliances, and <a href="https://www.atome.sg/paylater-merchants/samsung" target="_blank" rel="noreferrer noopener"><strong>Samsung Singapore</strong></a> knows the formula for the perfect ones! I remember how frequently our refrigerator used to break down until my mother decided to invest in a Samsung model. </p>



<p class="wp-block-paragraph">I am pretty sure you can picture the stressful circumstances that follow a malfunctioning refrigerator. The quest to save all the leftovers from going bad, the melting ice, condiments and jars taking up the kitchen counter, and hasty calls to the electrician, it is a disaster. Fortunately, our&nbsp;2-door Samsung refrigerator&nbsp;has really helped us avoid the chaos.&nbsp;</p>



<p class="wp-block-paragraph">Not just refrigerators but every electronic device or appliance from <a href="https://www.atome.sg/paylater-merchants/samsung"><strong>Samsung</strong></a> are durable and of high-quality. In present times, people look for so much more in a fridge; keeping food fresh doesn’t cut it anymore. Refrigerators need to be sleek, fitted with smart technology, and have specific compartments for different foods. They should be big enough, and water and ice dispensers are a must too. Samsung refrigerators have kept up with the new requirements and trends. Read along to find out more!</p>



<h2 class="wp-block-heading"><strong>Refrigerator models&nbsp;by&nbsp;Samsung</strong></h2>



<ul class="wp-block-list">
<li>Family Hub™</li>



<li>Multi Door</li>



<li>Side by Side&nbsp;</li>



<li>Top Mount Freezer</li>



<li>Bottom Mount Freezer</li>



<li>One Door</li>



<li>BESPOKE</li>
</ul>



<h3 class="wp-block-heading"><strong>Family Hub™, 549L, Energy Rating 2 Ticks</strong></h3>



<p class="wp-block-paragraph">This particular model is a&nbsp;4-door refrigerator&nbsp;from&nbsp;<a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/samsung">Samsung</a>’s Family Hub™ series, and it comes with mind-blowing innovations. This model has been developed around three main aspects: Family, Entertainment, and Food AI. The Family Board ensures that you stay connected to your loved ones via handwritten notes, video clips, pictures, and drawings. You get to experience the same nostalgia of using magnets to stick notes to your fridge. The built-in Calendar helps you with scheduling and planning family events. The SmartView technology lets you <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/mirror/page/1">mirror</a> your smartphone or Smart TV onto the Family Hub screen so that you can cook and be entertained simultaneously. You can also access the internet and so much more. Food AI offers several features that prevent wastage and provide other benefits. View Inside lets you view your fridge’s contents on its home screen or a smartphone, the Meal Planner application suggests recipes based on ingredients present in your refrigerator, and the Shopping List app syncs your grocery list to your smartphone.&nbsp;</p>



<h3 class="wp-block-heading"><strong>SpaceMax™ Side by Side, 647L, Energy Rating 3 Ticks</strong></h3>



<p class="wp-block-paragraph">This sleek and energy-efficient&nbsp;<strong>2-door refrigerator</strong>&nbsp;by&nbsp;<strong>Samsung</strong>&nbsp;is everything your home needs. The one-of-a-kind SpaceMax™ technology ensures that you never run out of space to store your edibles. The walls are designed to be thinner so that the insides are more spacious without making the body too chunky. Don’t worry; the walls maintain optimum insulation to keep the contents fresh at all times. It is fitted with Samsung’s novel Digital Inverter Compressor that alters its speed depending on the required cooling; this, in turn, saves electricity and creates less noise. This particular model comes with a warranty of 10 years.</p>



<h3 class="wp-block-heading"><strong>All-Around Cooling 1-Door Freezer, 315L</strong></h3>



<p class="wp-block-paragraph">If you have been looking for a&nbsp;single-door Samsung refrigerator&nbsp;that has a capacity of over&nbsp;220 liters&nbsp;and is affordable,&nbsp;then this is the one. This inventive model boasts a Cabinet Fit design to ensure that it doesn’t look too bulky in your kitchen. However, the interior is spacious enough to store all the essentials and help keep them organized. This fridge will save you from rummaging around aimlessly. The All-Around Cooling feature keeps every corner of the refrigerator equally cooled, while the No Frost technology prevents ice from building up. The Power Cool and Power Freeze chill and freeze your foods and drinks at the press of a button, keeping you from waiting for long hours.&nbsp;</p>



<h3 class="wp-block-heading"><strong>BESPOKE Bottom Mount Freezer with Customisable Design, 328L, Energy Rating 2 Ticks</strong></h3>



<p class="wp-block-paragraph">You can now design a fridge to your liking! The BESPOKE refrigerators by Samsung will bring your kitchen to life with their colorful appearance and custom exteriors. You can choose a 1-Door Fridge, Bottom Mount Freezer or even a 4-Door Flex and combine it with individual BESPOKE units for a fridge that fits your criteria. You also have the freedom to select the color of the panels and the finish. Isn’t that wonderful? The BESPOKE refrigerators will be perfect if you are done with the old black and gray conventional designs.</p>



<p class="wp-block-paragraph">Make sure to visit <a href="https://www.atome.sg/paylater-merchants/samsung" target="_blank" rel="noreferrer noopener">Samsung</a> Singapore’s website to discover their immense collection of revolutionary refrigerators.</p>



<figure class="wp-block-image size-large"><img data-recalc-dims="1" height="326" width="580" decoding="async" data-attachment-id="10362" data-permalink="https://blog.atome.sg/online-shopping-ideas/samsung-refrigerators-atome-singapore/attachment/samsung/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/samsung.jpg?fit=1200%2C675&amp;ssl=1" data-orig-size="1200,675" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="samsung" data-image-description="" data-image-caption="" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/samsung.jpg?fit=580%2C326&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/samsung.jpg?resize=580%2C326&#038;ssl=1" alt="" class="wp-image-10362"/></figure>



<h2 class="wp-block-heading"><strong>Customer care services offered by Samsung</strong></h2>



<p class="wp-block-paragraph">After the purchase is made, Samsung will cater to all your queries pertaining to its products.&nbsp;</p>



<p class="wp-block-paragraph"><strong>24/7 In-Home assistance</strong></p>



<p class="wp-block-paragraph">You no longer have to lug around overweight appliances to repair stores. You can book an appointment with&nbsp;Samsung Singapore’s&nbsp;technical team to have them come over and&nbsp;<strong>repair&nbsp;</strong>your&nbsp;<strong>refrigerator&nbsp;</strong>or other home appliances. This can be done throughout the week during the hours specified on their website.&nbsp;</p>



<p class="wp-block-paragraph"><strong>Samsung Service Tracker</strong></p>



<p class="wp-block-paragraph">You can use this facility to track the location of the Customer Service Engineer you have an appointment with. The tracker lets you know their ETA and enables you to contact them directly.&nbsp;</p>



<p class="wp-block-paragraph"><strong>Warranty</strong></p>



<p class="wp-block-paragraph">Your Samsung refrigerator comes with a warranty period of 24 months, and it covers labor, parts, and transport. The extensive duration ensures that you are completely satisfied with the performance of your fridge.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Samsung x Atome</strong></h2>



<p class="wp-block-paragraph">Purchasing a Samsung fridge doesn’t solely get you a great appliance; it also gives you access to a pocket-friendly payment method, all thanks to the brand’s partnership with Atome.</p>



<p class="wp-block-paragraph"><a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a>&nbsp;is a modern-day application that makes most consumer goods and services accessible to everyone, no matter the price. When you choose to pay with Atome, the total bill is split into three parts that are supposed to be paid at intervals. The application doesn’t charge any interest or additional fee.&nbsp;</p>



<p class="wp-block-paragraph">This novel application is affiliated with multiple local and international brands, which means that you can use it to shop for most products and services. The best part is most partner brands have exclusive deals and discounts for Atome shoppers. You can avail yourself of a discount worth $10 or more on the first&nbsp;<a href="https://www.atome.sg/paylater-merchants/samsung" target="_blank" rel="noreferrer noopener">Samsung</a>&nbsp;purchase made with Atome.&nbsp;</p>



<p class="wp-block-paragraph">To get started, download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a> (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">get it here</a>) and sign up by creating an account. You will have the user-friendly app running in no time. It can also be downloaded from Google Play Store and App Store.</p>


<div class="wp-block-image">
<figure class="aligncenter size-full"><img data-recalc-dims="1" decoding="async" width="180" height="180" data-attachment-id="16164" data-permalink="https://blog.atome.sg/campaign/discover-stunning-nails-for-chinese-new-year-2024/attachment/qr-code/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" data-orig-size="180,180" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="First Order Up To $10 Off! Download Atome!" data-image-description="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
Download Atome!&lt;/p&gt;
" data-image-caption="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
Download Atome!&lt;/p&gt;
" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?resize=180%2C180&#038;ssl=1" alt="First Order Up To $10 Off! Download Atome!" class="wp-image-16164" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?w=180&amp;ssl=1 180w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?resize=150%2C150&amp;ssl=1 150w" sizes="(max-width: 180px) 100vw, 180px" /><figcaption class="wp-element-caption">First Order Up To $10 Off! 
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<h2 class="wp-block-heading"><strong>How to pay with Atome</strong></h2>



<p class="wp-block-paragraph">You can use the program to pay at physical and online stores, depending on your preferred mode of shopping.</p>



<ul class="wp-block-list">
<li>Add your favorite refrigerator to the cart.</li>



<li>At the checkout, choose Atome to pay for the appliance.</li>



<li>Log in to your Atome account or create a new one.</li>



<li>Enter the total amount and apply the available discount code.</li>



<li>Review the payment schedule.</li>



<li>Make the first payment on the spot to have the fridge shipped.</li>



<li>The app will automatically charge the other two payments to the credit or debit card linked to your Atome account.</li>
</ul>



<p class="wp-block-paragraph">Every home needs a refrigerator to enjoy fresh food and drinks for a longer time. Unfortunately, the one-size-fits-all formula doesn’t apply to refrigerators as everyone has varying needs. Apart from that, you need an appliance that will stand the test of time which is precisely why Samsung refrigerators have been most people’s go-to choice for over fifty years. Furnish your kitchen with the best and invest in a <a href="https://www.atome.sg/paylater-merchants/samsung"><strong>Samsung</strong></a> refrigerator of your choice. Make sure to use <a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a> for an efficient payment plan!</p>
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Bespoke Your Home with Samsung Refrigerators


<p class="wp-block-paragraph"><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/made-different-co">Made Different Co</a> Singapore was born with the vision of creating classic personalized, and quality pieces at an affordable price.&nbsp;Made Different Co&nbsp;ensures that all its jewelry is without Nickel, Lead, or Cadmium, making them hypoallergenic, preventing contact dermatitis and rashes, and making it perfect for sensitive skin.</p>



<p class="wp-block-paragraph">Made Different Co&nbsp;never compromises on, which is why all the jewelry made at&nbsp;Made Different Co&nbsp;is plated with 0.5 microns, four times the industrial standard (0.125 microns). This, along with the materials chosen, results in an amazing end product that is extremely durable, water-resistant, tarnish-free, and thus imparts extreme longevity to&nbsp;Made Different Co&nbsp;jewelry.</p>



<p class="wp-block-paragraph">Made Different Co&nbsp;ensures that its workers work in ethically and environmentally safe factories for a better, sustainable future. And to take things a step further, a recyclable “reduced packaging” option is available for all online purchases.</p>



<p class="wp-block-paragraph">Made Different Co&nbsp;was made with the vision of creating customized, classic, and quality pieces at an affordable price. At&nbsp;Made Different Co, you aren&#8217;t limited by the options in front of you; rather, you can design and style jewelry however you like and make the perfect gift for your spouse or significant other.</p>



<p class="wp-block-paragraph">When you enter the website, you&#8217;ll be welcomed with five series of collections; Best sellers, Engravable, Everyday Essentials, Wedding, and Gift Cards. Further, the jewelry is categorized into Bracelets, Earrings (subcategorized into Barbells, Drop Earrings, Ear Cuffs, Hoops, Huggies, and Studs), and Necklaces, Rings (with further subcategories of Signet Rings and Stackable Rings), and Hair Accessories.</p>



<h2 class="wp-block-heading"><strong>You can customize your own jewelry!</strong></h2>



<p class="wp-block-paragraph">When you click on “Build your own” on the website, there will be two options, “Charms” and “Chains.” When you click on “Pendants,” you will be displayed with four categories; Birthstone Pendants, Engravable Pendants, Horoscopic Pendants, and Initial Pendants.</p>



<p class="wp-block-paragraph">Within the Birthstones, you have the options to choose from Garnet (January), Amethyst (February), Aquamarine (March), Cubic Zirconia (April), Emerald (May), Pearl (June), Ruby (July), Peridot (August), Sapphire (September), Pink Tourmaline (October), Citrine (November), and Blue Topaz (December).</p>



<p class="wp-block-paragraph">The Horoscopic Pendants are available in Silver, Rose Gold, and Gold and are cut out in the horoscopes the Aries, Taurus, Gemini, Cancer, Leo, Virgo, Libra, Scorpio, Sagittarius, Capricorn, Aquarius, and Pisces.</p>



<p class="wp-block-paragraph">The Engravable Pendants are also available in Silver, Rose Gold, and Gold and can have anything engraved on them. Here&#8217;s how you can engrave your pendants and make your loved one feel special; The first step is to choose your item. Next, you have to pick a font (the fonts are provided in the options). After this, you have complete liberty to add in any additional request, for example, if you&#8217;d like to put a heart symbol after the engraved text, or if you&#8217;d like to add an infinity symbol between or after initials, etc. There are many other wholesome icons and symbols you can add to your engravings, such as sun, moon, cloud, star, Christian cross, clover, snowflake, airplane, bee, unicorn, or the horoscope signs. Lastly, you have to add to the cart, and that&#8217;s about it!</p>



<p class="wp-block-paragraph">The Initial Pendants are available in the same materials, i.e., silver, gold, and rose gold, and are available in the alphabets A-Z.</p>



<figure class="wp-block-image size-large"><img data-recalc-dims="1" height="326" width="580" decoding="async" data-attachment-id="10368" data-permalink="https://blog.atome.sg/online-shopping-ideas/made-different-co-atome-singapore/attachment/made-different-co-2/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Made-Different-Co..jpg?fit=1200%2C675&amp;ssl=1" data-orig-size="1200,675" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Made-Different-Co." data-image-description="" data-image-caption="" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Made-Different-Co..jpg?fit=580%2C326&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Made-Different-Co..jpg?resize=580%2C326&#038;ssl=1" alt="" class="wp-image-10368"/></figure>



<h2 class="wp-block-heading"><strong>You get rewards for shopping from Made Different Co Singapore!</strong></h2>



<p class="wp-block-paragraph">In order to be entitled to this offer, you first need to create a Store account. Once you have created your account, you will be entitled to get rewards and points.</p>



<p class="wp-block-paragraph">There are two separate categories; Rewards and Earn Points. The rewards work on the principle of Spark Points; For 80 Sparkle Points, you can redeem $1, and with 300 Sparkle Points, you can avail a 10% discount, and for 500 Sparkle Points, you get a staggering 15% discount!</p>



<p class="wp-block-paragraph">The Next tier of rewards are the Classic, Silver, and Gold Rewards. The Classic is the base variant, where your multiplier is at 1x, and this is basically the starting point when you haven&#8217;t spent any money at all. The Silver reward is unlocked when you spend $300 SGD, and you get a 1.2x multiplier and 15% discount. The Gold reward is unlocked when you spend $1000 SGD, and you get a 2x multiplier and a 20% discount.</p>



<p class="wp-block-paragraph">As for earning these Sparkle Points, there are multiple different ways to earn them. When you place an order, you get 1 Sparkle Point for every $1 SGD that you spend. When you follow&nbsp;Made Different Co Singapore&nbsp;on Instagram, you get 75 Sparkle Points. When you subscribe to the mailing list for newsletters, you get 75 Sparkle Points; when you like and follow&nbsp;Made Different Co&nbsp;on Facebook, you get 75 Sparkle Points, and when you review a product, you get 40-80 Sparkle Points.</p>



<h2 class="wp-block-heading"><strong>Use Atome to pay for Made Different Co Jewelry</strong></h2>



<p class="wp-block-paragraph">Headquartered in Singapore, Atome is a buy now, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">pay later</a> (<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">BNPL</a>) app. Atome helps to ease the financial burden of hefty shopping by providing three monthly, interest-free installments. It&#8217;s available on both Android and iOS.&nbsp;<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a> operates in 8 countries, including Singapore, Indonesia, Hong Kong, Mainland China, Thailand, Vietnam, and the Philippines. Atome is an E-commerce website that is growing exponentially, with over 10,000 online and offline merchants.&nbsp;Made Different Co Singapore&nbsp;is one of them!</p>



<p class="wp-block-paragraph">We know we have piqued your interest, and you want to know <a href="https://www.atome.sg/how-it-works">how Atome works</a>. Click on the <a href="https://www.atome.sg/how-it-works" target="_blank" rel="noreferrer noopener">link</a> and find out! Moreover, when you create an account for the first time, you get a $10 shopping voucher that can be used for any purchase! So, what are you waiting for? <a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app now</a>!</p>



<p class="wp-block-paragraph"><strong>How to pay using Atome</strong></p>



<p class="wp-block-paragraph">· First, choose all the items you want to shop for, add them to your shopping cart and proceed to checkout.</p>



<p class="wp-block-paragraph">· You will be displayed with many payment options; choose Atome.</p>



<p class="wp-block-paragraph">· Next, you have to sign in to your Atome account. If you don&#8217;t have an account, you can create one today, completely free!</p>



<p class="wp-block-paragraph">· Finally, you&#8217;re ready for the purchase. You must make an initial payment, a third of the total amount at the&nbsp;check out. The remaining amount will be divided into two monthly&nbsp;payments.&nbsp;</p>
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Get to Know Made Different Co Singapore


<p class="wp-block-paragraph">In terms of prerequisites for shopping online, there aren&#8217;t really any. As a matter of fact, anyone with a decent internet connection can have access to an online store. There are no age requirements, no monetary requirements (for products sold on Cash on Delivery), and there are no restrictions at all! You would need a phone number (preferably registered to your name), an email account for orders strictly dealing with online payment – a bank account, and you&#8217;re all set to&nbsp;buy anything online!</p>



<p class="wp-block-paragraph">Online shopping could be beneficial or dangerous. On one hand, you get easy access to the vast ocean of online shops across the globe, sparing you the hassle of going through tons of verification processes. On the other hand, it is perilous if your credit card details are saved in your device and your device lands in your children&#8217;s hands. Similarly, a person with dementia is also likely to order the same thing over and over again. In these scenarios, the person whose credit card details are logged into the device is at risk of fraud such as credit card scams, phishing, hacking, identity theft, counterfeit products and more.</p>



<p class="wp-block-paragraph">Most online stores have now launched a double verification to counter fraud. After checking out your orders, you would receive a call or an email from the seller to confirm your order and proceed with the purchase. This way, the naivety of small children and the memory ailments of old, debilitated individuals doesn&#8217;t incur heavy monetary repercussions.</p>



<figure class="wp-block-image size-large"><img data-recalc-dims="1" height="227" width="580" decoding="async" data-attachment-id="10254" data-permalink="https://blog.atome.sg/online-shopping-ideas/atome-for-online-shopping/attachment/atome-for-bnpl/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Atome-for-BNPL.png?fit=1440%2C564&amp;ssl=1" data-orig-size="1440,564" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Atome-for-BNPL" data-image-description="" data-image-caption="" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Atome-for-BNPL.png?fit=580%2C227&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/Atome-for-BNPL.png?resize=580%2C227&#038;ssl=1" alt="" class="wp-image-10254"/></figure>



<h2 class="wp-block-heading">Done Shopping? Now let&#8217;s proceed to the payment with Atome</h2>



<p class="wp-block-paragraph">Paying a hefty sum is cumbersome, and the burden of expensive shopping takes a heavy toll on your finances. This is how Atome comes in handy. Atome is a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">Buy now</a>, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">pay later</a> (<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">BNPL</a>) app that is made to mitigate expensive shopping by splitting the bill into three equal payments over three months. Atome charges zero interest and zero service fees. for any product that you&nbsp;buy online&nbsp;or offline. You have the complete liberty to purchase anything, from&nbsp;buying books online in Singapore&nbsp;to clothes, electronic gadgets, and apparel.</p>



<p class="wp-block-paragraph">If we have piqued your interest, and you want to learn more about Atome, click on the&nbsp;<a href="https://www.atome.sg/how-it-works" target="_blank" rel="noreferrer noopener">link</a>&nbsp;to find out! It doesn&#8217;t just end there; to make your shopping experience as rewarding as possible, Atome rewards you a $10 shopping voucher that you can use for any purchase. So, what are you waiting for?&nbsp;<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app now</a>!</p>



<h2 class="wp-block-heading">What is Atome?</h2>



<p class="wp-block-paragraph"><a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a>&nbsp;is a buy-now-pay-later service that empowers digital-savvy shoppers to own products and services on easy terms. It is available on Android and iOS. Atome headquartered is located in Singapore and it operates in 7 other countries: Indonesia, Mainland China, Hong Kong, Vietnam, Thailand, Philippines, and Thailand. Atome is one of the leading E-commerce websites with over 10,000 merchants, both online and offline.</p>



<p class="wp-block-paragraph">If you want to become part of the Atome user base, download the app now (<a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">get the app</a>) and register your account. Once you receive approval, you can start shopping instantly without worrying about substantial upfront payments.</p>



<h2 class="wp-block-heading">What do you need before using Atome?</h2>



<p class="wp-block-paragraph">Contrary to most processes involving transactions, registering yourself with Atome is as easy as 1,2,3! There are no convoluted procedures for creating the account; you just need to follow the given instructions:</p>



<h3 class="wp-block-heading">Creating an account on Atome:</h3>



<p class="wp-block-paragraph">1. If you&#8217;re using Atome for the very first time, you have to register yourself through your phone number. A four-digit OTP (one-time-password) will be sent to your number to verify your phone number.</p>



<p class="wp-block-paragraph">2. Being a first-time user, you will have to go through user verification. Click &#8220;pay&#8221; on the homepage.</p>



<p class="wp-block-paragraph">3. Next, you must fill out your personal information credentials.</p>



<p class="wp-block-paragraph">4. Finally, you must add your credit/ debit card details to complete the registration process.</p>



<p class="wp-block-paragraph">And voila! Your registration is complete! Now you can use Atome whenever and wherever it&#8217;s applicable. Following is the complete detail of how to use Atome for payment;</p>



<h3 class="wp-block-heading">How to pay using Atome:</h3>



<p class="wp-block-paragraph">1. Shop from a partnered merchant and click Atome when you’re checking out.</p>



<p class="wp-block-paragraph">2. Enter your account particulars after being redirected and click checkout to continue.</p>



<p class="wp-block-paragraph">3. Pay 1/3 of your purchase upfront and the rest in two monthly payments.</p>
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Are There Any Requirements for Online Shopping?


<p class="wp-block-paragraph">If you have recently invested in a&nbsp;Mini Velo bike&nbsp;or have had one for some time now, then&nbsp;Velo Velo Singapore&nbsp;is going to be your favorite spot to shop for all your cycling gear. The place is a cyclist’s dream store.&nbsp;</p>



<p class="wp-block-paragraph">Times have changed, and trends have evolved; cycling is now more than getting on a bicycle and paddling for hours. There are criteria and checklists in place to ensure that every cyclist is comfortable during a ride. That is where high-quality cycling gear and apparel come in.&nbsp;</p>



<p class="wp-block-paragraph">A brand like&nbsp;Velo Velo&nbsp;couldn’t have come at a better time. They are always ready to cater to all your cycling needs with the most exclusive, affordable, and stylish products. They have incredible jerseys, bibshorts, riding skirts, outerwear, baselayers, socks, sleeves, and other accessories for everyone. In addition to all of this, they carry a lot of lifestyle products too. No matter your go-to style, size, or preference, you will find everything at Velo Velo.</p>



<h2 class="wp-block-heading"><strong>About the brand</strong></h2>



<ul class="wp-block-list">
<li>Assos</li>



<li>Black Sheep Cycling</li>



<li>Pas Normal Studios</li>



<li>Velocio</li>



<li>Universal Colours</li>



<li>Swift Industries</li>



<li>Peloton De Paris</li>



<li>Sweet Protection</li>



<li>Alba Optics</li>



<li>Pedal Ed</li>



<li>Fingerscrossed</li>



<li>Defeet</li>



<li>Fumpa</li>



<li>Exposure Light</li>
</ul>



<p class="wp-block-paragraph">The best part is that Velo Velo Singapore ships internationally, uniting cyclists from around the world over their shared love for top-of-the-line apparel. And if you are in Singapore, you do not have to pay a single penny in the shipping cost. How wonderful is that?&nbsp;</p>



<p class="wp-block-paragraph">That’s not all; the brand has a department of test team riders based in Singapore and Thailand who ensure that only the best product reaches you.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Why do people like riding bicycles?</strong></h2>



<p class="wp-block-paragraph">Apart from the fact that riding a bicycle is fun and nostalgic, there are plenty of reasons behind why people invest in bikes, equipment, and apparel.</p>



<h3 class="wp-block-heading"><strong>A great form of exercise</strong></h3>



<p class="wp-block-paragraph">Undoubtedly riding a bike is one of the best forms of getting in a daily workout. It not only boosts your stamina but helps strengthen the heart and build stronger muscles. Over time, you stop getting tired quickly as the prospect of running or taking the stairs becomes less intimidating.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Connect with nature</strong></h3>



<p class="wp-block-paragraph">As opposed to indoor workouts, cycling ensures that your body is exposed to a good amount of sunlight and fresh air. While the former strengthens your bones, the latter benefits the respiratory system. Also, there is something so serene about stepping out early in the morning when the sounds of the city aren’t masking the chirping and the rustling.</p>



<h3 class="wp-block-heading"><strong>Meet new people</strong></h3>



<p class="wp-block-paragraph">Cycling every day is a foolproof way of meeting fellow lovers of the sport. You get to learn new tricks and techniques while expanding your social circle. You get to talk to people who share your passion for cycling, and that’s great.</p>



<h3 class="wp-block-heading"><strong>Cost-effective</strong></h3>



<p class="wp-block-paragraph">With continuously hiking fuel prices, biking is suitable for your savings and the environment. You don’t have to worry about lost car keys, canceled Ubers, or a tight budget because you can cycle everywhere. The advantages are endless!</p>



<h3 class="wp-block-heading"><strong>Opportunity to explore</strong></h3>



<p class="wp-block-paragraph">Whether your aim is to clear the mind or find hidden spots, cycling is the best way to do it. Put on a helmet and get on your bicycle, and you are free to ride around freely. And you rarely have to worry about traffic and road rage, and in my opinion, that’s a huge plus.&nbsp;</p>



<p class="wp-block-paragraph">Whether you ride a Zephyr Foldable Bike or a Mini&nbsp;<strong>Velo Folding Bike</strong>, know that you are doing a favor to yourself and the environment.</p>



<h2 class="wp-block-heading"><strong>Velo Velo products that are a must-have</strong></h2>



<h3 class="wp-block-heading"><strong>Solitude Midsummer Bibs</strong></h3>



<p class="wp-block-paragraph">Once you start riding in these, you will forget all about regular cycling shorts. The lack of a waistband ensures that nothing cuts or digs into your skin as you paddle across trails. At Velo Velo, you will find a wide variety of high-quality bibshorts for everyone that too by different brands. These keep your body cool by carrying heat away from your body and providing optimum ventilation. Bibshorts are great for countering intense sweating. These are definitely worth investing in.</p>



<h3 class="wp-block-heading"><strong>Magenta Sleeveless Baselayer</strong></h3>



<p class="wp-block-paragraph">This garment comes in handy on the hotter days of the year. The breathable mesh fabric helps maintain a comfortable body temperature while keeping you dry. It molds to your body and sits seamlessly under your jersey without feeling bulky.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Black RS Aero SF Gloves</strong></h3>



<p class="wp-block-paragraph">These gloves will revolutionize the way you ride bicycles. They are designed to replicate the complex anatomical structure of the hand to facilitate maximum comfort. These gloves are lightweight and do not come with too many uncomfortable fasteners. The breathable material promotes ventilation while protecting your palms and fingers against any damage.</p>


<div class="wp-block-image">
<figure class="aligncenter size-full"><img data-recalc-dims="1" decoding="async" width="580" height="529" data-attachment-id="10248" data-permalink="https://blog.atome.sg/online-shopping-ideas/velo-velo-atome-singapore/attachment/gloves/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/gloves.png?fit=752%2C686&amp;ssl=1" data-orig-size="752,686" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="gloves" data-image-description="" data-image-caption="" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/gloves.png?fit=580%2C529&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/07/gloves.png?resize=580%2C529&#038;ssl=1" alt="" class="wp-image-10248"/></figure>
</div>


<h3 class="wp-block-heading"><strong>Velo Velo near you</strong></h3>



<ul class="wp-block-list">
<li>Velo Velo Midview City</li>



<li>Velo Velo OUE Downtown</li>
</ul>



<h3 class="wp-block-heading"><strong>Outlets:</strong></h3>



<ul class="wp-block-list">
<li>Velo Velo @ Midview</li>



<li>26 Sin Ming Lane, Midview City Unit 03-126 Singapore 573971</li>
</ul>



<h3 class="wp-block-heading"><strong>Operating Hours:</strong></h3>



<ul class="wp-block-list">
<li>Mon &#8211; Fri: 11am &#8211; 7:00pm | Sat: 11am &#8211; 4:30pm | Closed on Sundays and Public Holidays</li>



<li><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/velo-velo">Velo Velo</a> @ OUE Downtown</li>



<li>6 Shenton Way, OUE Downtown Gallery, #01-48 Singapore 068809</li>
</ul>



<h3 class="wp-block-heading"><strong>Operating Hours:</strong></h3>



<ul class="wp-block-list">
<li>Mon &#8211; Fri: 11am &#8211; 7:00pm | Sat: 11am &#8211; 4:30pm | Closed on Sundays and Public Holidays</li>
</ul>



<h2 class="wp-block-heading"><strong>Atome x Velo Velo</strong></h2>



<p class="wp-block-paragraph">You will be glad to know that a brand as unique as Velo Velo offers easy payment options to its customers, all thanks to its partnership with Atome.</p>



<p class="wp-block-paragraph"><a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a> is a coming-of-age program that makes paying bills exponentially easier. It allows you to pay off the total amount in three smaller payments at scheduled intervals. The application charges no additional fee or interest. Using Atome is a great way to stick to your budget and save up.</p>



<p class="wp-block-paragraph">Apart from Velo Velo, you can use Atome at over 15,000 international and local brands. All you need to do is download the application <a href="https://atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">(get it here</a>) and sign up for it.&nbsp;</p>



<p class="wp-block-paragraph">You can enjoy a $10 discount on your first Velo Veo purchase made with&nbsp;Atome.</p>



<h2 class="wp-block-heading"><strong>How to use Atome?</strong></h2>



<ul class="wp-block-list">
<li>When checking out, select Atome to pay for your cycling gear.</li>



<li>Log in to your Atome account.</li>



<li>Enter the total amount and apply available discount vouchers.</li>



<li>Review the payment schedule.</li>



<li>Make the first payment upfront to have the items shipped.</li>



<li>The application will take care of the remaining two by charging them to the linked card.</li>
</ul>



<p class="wp-block-paragraph">Cycling, like all other forms of workout, is great, but you need to be at ease to enjoy the experience fully. That is possible when you are in the right frame of mind, own the right equipment, and have the appropriate wardrobe. Choose <a href="https://www.atome.sg/paylater-merchants/velo-velo" target="_blank" rel="noreferrer noopener">Velo Velo</a> to replace uncomfortable cycling attire with some stylish and durable pieces that will have your friends inquiring about the brand. Don’t forget to use Atome for a stress-free shopping spree.&nbsp;</p>
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