Maya Bank, Atome partner to expand credit access in the Philippines

By Vriti Gothi

Maya Bank and Atome have partnered on a $48 million loan channelling partnership aimed at expanding access to responsible credit for millions of Filipinos.

Under the agreement, Maya Bank will facilitate this loan channelling initiative, providing creditworthy customers with seamless access to financing. As the licensed digital bank within the Maya ecosystem, Maya Bank anchors one of the Philippines’ most comprehensive digital FinTech platforms, integrating payments, savings, credit, and deposits into a unified ecosystem for both consumers and enterprises.

Founded in Singapore in 2019, Atome has emerged as Southeast Asia’s leading digital finance platform. Expanding beyond its role as the region’s largest embedded financing provider, Atome now offers cards, lending, insurance, and savings products. In 2024, Atome processed over $2 billion in Gross Merchandise Volume (GMV) across the region. By June 2025, annualised GMV had surpassed $4 billion, reflecting strong consumer adoption and merchant partnerships, with over 4 million Buy Now, Pay Later customers served in the Philippines alone.

Launched in 2022, Maya Bank powers the digital banking experience across the Maya ecosystem, including the Maya all-in-one app, Maya Business, and Maya Centre. As the #1 digital bank in the Philippines, Maya Bank continues to transform how money works for Filipino consumers and MSMEs by delivering innovative and relevant financial services, spanning savings, deposits, and credit solutions.

Christian Quiros, President & Country General Manager of Atome Philippines, commented, “We are deeply honoured to partner with Maya Bank, a true trailblazer in digital banking. Together, we are expanding access to responsible, risk-managed, and transparent flexible payment options that make more products and services truly ‘Available-To-Me’ for millions of Filipinos. Since Day One, Atome’s mission has been to improve lives through greater financial access and technology, and this partnership with Maya Bank is a significant step forward in that journey in the Philippines.”

Angelo Madrid, President of Maya Bank, added, “We are delighted to work with Atome in expanding credit access for more Filipinos. This collaboration leverages digital technology to bring fast, secure, and responsible financing into the hands of underserved customers, helping them build financial confidence and long-term resilience.”