Singaporeans Can Now “Buy Now, Pay Later” In Malaysia With Just One App

Pack your bags and prepare your shopping list, Atome just made cross-border retail therapy a whole lot easier.

Southeast Asia’s leading digital finance platform has rolled out a game-changing feature that lets its 1.5 million Singapore users shop across the border without switching apps, cards, or payment methods. Simply scan an Atome QR code at checkout anywhere in Malaysia, and bam! Your purchase is converted to Singapore dollars, split into three interest-free installments, and you’re on your way.

Shopping Made Seamless

The new cross-border functionality works across 15,000+ Atome partner outlets in Malaysia, from the familiar haunts of Johor Bahru to shopping destinations in Kuala Lumpur, Melaka, and Penang. The bill automatically converts from Malaysian ringgit to SGD at competitive rates displayed upfront, so no nasty surprises later. Plus, you’ll still earn A+ reward points on every purchase.

For Singaporeans who regularly hop across the Causeway for weekend shopping sprees, this is a significant upgrade. No more juggling multiple payment apps or worrying about exchange rates at the counter, everything happens in real-time through the same Atome Singapore app you already use at home.

Perfect Timing

The timing couldn’t be better. Singaporeans remain Malaysia’s top foreign visitors, with a whopping 18.9 million tourist arrivals recorded in 2024, a 27% jump from the previous year. Johor Bahru alone welcomed 11 million Singaporean visitors in just the first half of 2025.

With major infrastructure projects on the horizon, including the Johor Bahru-Singapore RTS Link (slated for late 2026) and the Singapore-Johor Special Economic Zone, cross-border travel is only expected to surge. Malaysia’s newly launched Visit Malaysia 2026 campaign adds further momentum to the travel boom.

“Atome’s mission is to make everyday shopping smarter, more accessible, and more rewarding”, said Bryan Quek, General Manager of Atome Singapore. “With major infrastructure projects set to further boost cross-border activity, our 1.5 million users can now shop at 15,000+ retail outlets in Malaysia using the same mobile app, just in time for Chinese New Year”.

Where Can You Use It?

The partner merchant list reads like a shopper’s dream itinerary:

Electronics: Machines, Switch, Oppo, Samsung, Xiaomi, Garmin, Honor
Fashion & Lifestyle: Christy Ng, Coach, Ralph Lauren, Michael Kors, Montigo
Beauty & Wellness: Sasa, Bath & Body Works, Jean Yip, Mothercare
Sports: Nike, JD Sports, Decathlon, Foot Locker, Converse, Timberland

Whether you’re upgrading your tech, refreshing your wardrobe, or stocking up on beauty essentials, Atome’s got you covered.

Chinese New Year Lucky Draw

To celebrate the launch, Atome Singapore is running a festive campaign from February 11 to 28. Shop in Malaysia using the app and you could win cash prizes of up to S$888 in their “red packet” lucky draw, plus cashback capped at S$88. (Terms and conditions apply, naturally.)

The Bottom Line

In an era where convenience is king, Atome’s cross-border payment feature eliminates one more friction point in the Southeast Asian shopping experience. For Singaporeans who treat Malaysia as their extended retail playground, this means less hassle, better budget management through installment payments, and the same familiar interface wherever you shop.

So whether you’re planning a CNY shopping haul in JB or a weekend getaway to Penang, your Atome app is now your passport to hassle-free payments across the border. Just scan, split, and shop away.