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Finance options

If you’ve found out how you want your dream home, but need some help spreading the cost, we can offer you a range of finance options to help you make your ideas a reality.

0% interest. 100% interested? Here are some Instalment Payment Plans (IPPs)

Enjoy flexible payment options for purchases from as low as $250*, to make it easy and affordable to get the home you dream of.


For online purchases on, you can select to pay with our Instalment Payment Plan during checkout. Valid for credit cards issued by UOB, Amex and OCBC.

  • 6 months for a minimum $250
  • 12 months for a minimum $500

You can also select Atome as your payment option during checkout. Atome will then divide your total purchase amount into three equal payments, with the first instalment due at the time of purchase. The remaining two payments will be automatically charged to your selected payment method in the following two months.

  • 3 months with no minimum amount
    Maximum spending limit set by Atome: credit card $3,000 and debit card $1,000

* Applies to the total purchase value of minimum $250 in a single receipt. Applicable for VISA, MASTERCARD and American Express from selected banks only. 

Terms and conditions apply.


Simply inform the cashier that you would like to put your purchases on our Instalment Payment Plan. Valid for credit cards issued by DBS/POSB, OCBC, UOB, and American Express. 

0% Instalment Payment Plan (IPP) is available for the following period:

  • 6 months for a minimum $250
  • 12 months for a minimum $500
  • 24 months for a minimum $2,000



Frequently asked questions (FAQ)

  • You can pay with Visa, Mastercard, AMEX, eNETS, or Atome.

  • 1) What is Atome?

    Atome is a payment service provider that allows IKEA customers to split their and the IKEA shopping app purchases into three (3) equal, interest-free payments.

    2) How can I use Atome on or the IKEA Shopping app?

    When checking out via website, at or the IKEA shopping app, select Atome as your payment method. You'll pay the first instalment at the time of purchase and the remaining two over the next two months.

    You need to be at least 18 years old, have a valid Singapore-issued credit or debit card, and an Atome account.

    3) Is there a minimum or maximum spending limit for Atome payment option on or the IKEA Shopping app?

    There is no minimum spending limit. and there are different maximum spending for each type of payment card:

    • Credit card: SGD 3,000
    • Debit card: SGD 1,000

    4) Can I use Atome for in-store purchases?

    Atome is only available for online purchases via and the IKEA shopping app. It is not applicable for in-store purchases.

    5) Can I return IKEA items purchased with Atome payment?

    Yes, you can return items bought from IKEA Singapore, that you have paid via Atome. If you successfully return the item to IKEA Singapore, Atome will update the changes in your account accordingly. 

    6) Are there any additional fees when I use Atome to pay for my online purchases with IKEA Singapore?

    Atome is completely interest-free. As long as you make your payments on time, you will not be charged any additional costs. 

    7) What happens if I miss an Atome instalment payment?

    If you miss an instalment payment, Atome may charge a late payment fee. It's important to ensure that you have sufficient funds in your account to avoid any penalties.

    8) What should I do if I encounter issues when I use Atome payment in my IKEA checkout process?

    If you are facing issues after these conditions, you should contact Atome directly –

    • After selecting Atome as the payment option,
    • After clicking the "placed order" button, and
    • After being directed to Atome’s payment portal

    If you are unable to select Atome as the payment option on the checkout page, you should contact IKEA Singapore.

    9) Who should I contact for Atome account inquiries?

    If you have any questions or require assistance with your Atome account, please reach out to Atome's customer support team. They can provide you with the help and information you need for your account.

  • You can use it on all our products except IKEA Food products purchased at the Swedish Food Market, Swedish Restaurant and Swedish Bistro.