The partnership, unveiled during a signing ceremony at the Dunkin’ Sheridan Branch in Mandaluyong City, allows Atome Cardholders to redeem a free classic donut at 139 participating Dunkin’ stores in Metro Manila from Monday to Wednesday by spending at least ₱300.

The initiative underscores Atome’s growing role in daily payments in the Philippines. 

The company said it has issued more than 2.5 million Atome Cards nationwide, with around 80% belonging to first-time cardholders who use the cards for essential purchases including groceries, transport, fuel, utility bills, and food and beverage transactions.

In a statement, Dunkin’ Philippines said the partnership aims to bring added value to the everyday moments customers already enjoy, noting the brand’s role as a familiar stop for morning routines, work breaks, and casual catch-ups.

Meanwhile, Christian Quiros, President and Country General Manager of Atome Philippines, said the campaign reflects Atome’s broader mission of making financial access fit naturally into Filipinos’ daily lives. 

He added that partnering with a brand many Filipinos visit regularly provides an opportunity to thank cardholders by making weekday spending a little more rewarding.

The campaign follows Atome’s recent collaboration with Jollibee Foods Corporation, as the fintech company continues expanding payment experiences and rewards tied to everyday consumer habits.

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“We are aware of fake apps impersonating Atome in the Philippines. We are working with the SEC, major app stores (Google Play and Apple App Store), and legal channels to urgently remove them, take action, and protect consumers from confusion and potential risks,” an Atome spokesperson told MARKETECH APAC.

Earlier today, the country’s Securities and Exchange Commission (SEC) released a statement warning the public of the mobile application “Atome Loan: Online Lending App” operated by Backoffice Associates Philippines is not registered and not authorised to operate as a financing or lending company.

It also noted that said app is using the “Atome” name and logo without authority. As of this writing, the app remains listed on the Apple App Store.

“The public is strongly advised to avoid transacting with these entities. Dealing with unauthorised lending platforms may expose you to serious risks such as hidden charges, misuse of personal data, abusive collection practices, and possible fraud,” the commission said.

For context, operations of Atome in the Philippines is done by Neuroncredit Financing Company Inc., registered with SEC since 2018–according to public records.

The Philippines is a significant market for Atome, as it recently launched a US$48m loan channelling partnership with Maya Bank to expand credit access locally. It also has partnerships with SEAOIL and Jollibee. 

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The collaboration aims to combine the two brands’ focus on accessibility and customer convenience, whether through financial solutions or popular meals shared with family and friends.

Since its launch, the Atome Card has issued over 2 million cards in the Philippines. Approximately 80% of cardholders are first-time users, many of whom employ the card to pay for essentials, including groceries, transport, fuel, utility bills, and meals at Jollibee. The partnership will expand card acceptance across Jollibee’s nationwide network, providing flexible payment options to customers in Metro Manila, Luzon, Visayas, and Mindanao.

“Our partnership with Atome supports our commitment to convenience and accessibility by providing customers with more flexible payment options across our nationwide store network,” said Reynaldo Gabunada Jr., head of regional business unit and national key accounts group, Jollibee Philippines.

“We are excited to collaborate on meaningful campaigns that create even more reasons for Filipinos to celebrate everyday moments at Jollibee,” he added.

On the other hand, Christian Quiros, president and country general manager of Atome Philippines, added,  “Partnering with Jollibee allows us to embed financial and flexible payment access into daily life, where it matters most. Food is a fundamental part of Filipino culture, and together with Jollibee, we are making it easier for families to enjoy moments of joy while managing their finances responsibly.”

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Under the first phase of the partnership, more than 300 SEAOIL stations will participate, with plans to expand across the majority of the network in the next phase. The collaboration allows Atome Cardholders to receive up to ₱5 off per litre of SEAOIL fuel products, while cardholders can pre-purchase fuel via the PriceLOCQ app and redeem it at participating stations. Nearly two million Filipinos currently hold an Atome Card.

The partnership arrives at a time when approximately 80% of Atome Cardholders are first-time users, who primarily use their cards for essentials such as groceries, telecommunications, and utility bills. Including fuel payments is intended to provide additional convenience and savings.

Christian Quiros, president and country general manager of Atome Philippines, said, “Our mission at Atome Philippines has always been to make life more affordable and accessible for consumers. With fuel being one of the largest recurring household expenses, our exclusive partnership with SEAOIL provides millions of hardworking Filipinos a smarter and more flexible way to manage their daily living costs.”

Moreover, Jayvee dela Fuente, vice president for corporate and consumer marketing at SEAOIL Philippines, also added,  “SEAOIL is committed to uplifting and supporting the everyday lives of Filipinos. Through this collaboration with Atome, we’re giving our customers more flexibility and value for their fuel purchases, helping them stretch their budget further while keeping their lives moving.”

Atome Philippines also recently partnered with Maya Bank on a ₱2.75 billion (US$48 million) loan programme that has served over four million customers in the Philippines.

This partnership is said to reflect Atome’s broader focus on expanding financial access and delivering everyday value to Filipino consumers through merchant collaborations.

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