Frequently Asked Questions

About ATLAS Bank

ATLAS by Bank Muamalat Malaysia Berhad (“ATLAS”) is a digital banking that is brought to you by Bank Muamalat Malaysia
Berhad (BMMB). We have obtained approval from the Bank Negara Malaysia (BNM) to operate as a Digital Bank under the
license of BMMB.

Through ATLAS Platform, we want all Malaysians to experience a new way of Islamic Banking right at your fingertips by providing a super mobile application which allows for both the Bank and our Customers to grow together.

We offer unique banking experience as we integrate your lifestyle into our Digital Banking, allowing you to do banking while also
enjoying attractive rewards.

Yes, ATLAS is licensed under the Islamic Financial Service Act 2013 and regulated by BNM. We ensure all our products, services, operations, businesses, activities, and affairs are Shariah-compliant.

For iPhone Users: ATLAS mobile application is compatible with iPhone models from iPhone 6s and newer, running iOS 15 or later. Devices with at least 2GB of RAM are required, but 3GB or more is recommended for the best experience.

For Android Users: The ATLAS mobile application works on smartphones running Android 8 or higher, with at least 1.5GB of RAM.

Your device should have a camera, microphone, and a stable internet connection

The Dashboard of the ATLAS mobile application consists of three main sections:

  1. Banking: View your savings account balance, latest transactions, and quick actions.
  2. Lifestyle: Explore features and services tailored to your lifestyle.
  3. Islamic: Discover tools and content focused on Islamic values.

To switch between these sections, tap the Banking, Lifestyle, or Islamic tab at the top of the Dashboard.

Eligibility and Requirement

The process is easy. All you got to do is to follow the steps below:

  1. Download ATLAS mobile application from Google Play Store or Apple App Store
  2. Click sign-up
  3. Identity verification
  4. Complete the registration
  5. Account opened
  6. Initial deposit
  7. Account activation

Currently, only individuals who meet the requirement below are able to open an account.

  1. Malaysians
  2. Individuals
  3. Minimum 18 years old during application
  4. Own a Malaysian registered mobile number

To open up ATLAS Savings Account-i, the only document that is required is your original Malaysian Identity Card (MyKad).

Unfortunately, for the time being, only one account is allowed per customer

The initial deposit required for account activation is RM0.01.

You can activate your account by transferring the initial deposit from your BMMB Savings Accounts.

No minimum balance is required to maintain ATLAS Savings Account-i.

However, if no transaction is made within ninety (90) days from the account opening date, your account will be automatically closed by the Bank.

No, ATLAS Savings Account-i is a separate product from the saving accounts in Bank Muamalat, hence it will not be linked to your existing Bank Muamalat saving account.

Yes, deposits in your ATLAS Savings Account-i are protected by PIDM up to RM250,000 per depositor.

Application

Once you’ve completed the onboarding process, your account will be ready for use after a 12-hour cooling-off period.

If you’re still unable to access your account after this time, feel free to contact our Customer Service team at 03-20215888 or email us at ask@atlasmuamalat.com.my for assistance

You have 48 hours to continue your application from where you left off.

To resume, you just have to enter the phone number you used during the initial process and request a new OTP (One-Time Password). Our system will take you to your last saved screen.

If more than 48 hours have passed, your application will be reset, and you’ll need to start over by re-entering your information and continuing the account opening process from scratch.

Account Dormancy & Account Closure

Though we will be sad to lose you but yes you can request to close your account. Currently you can request to close your account through Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my.

But bear in mind that your access to the apps will be limited, you might lose your reward points or may even be charged a fee up to RM10.00 if you request to close your account within 90 days from the account opening date.

A dormant account is an inactive account with no withdrawals or deposits for the past 12 months, excluding transactions initiated by the Bank.

You can reactivate your account anytime by making a deposit or withdrawal through the ATLAS platform, or you may choose to close the account with no charges.

If no action is taken, the Bank may close accounts with a balance of RM10 or less, and the remaining balance will be absorbed as a service fee.

For dormant accounts with a balance exceeding RM10, the Bank may charge an annual service fee of up to RM10. Remaining balances will eventually be sent to Unclaimed Monies in accordance with the Unclaimed Money Act 1965.

Under the Unclaimed Monies Act 1965, any funds in an account that have not been used or accessed for at least seven (7) years are classified as “Unclaimed Monies.”

If your account qualifies as unclaimed, you will receive a notice of 21 calendar days before the funds are sent to the Registrar of Unclaimed Monies (RUM).

If the account holder passes away, the next of kin should contact our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my.

ATLAS Debit Card-i

Currently ATLAS offers one (1) type of debit card which is ATLAS Virtual Debit Card-i.

This card is displayed on the ATLAS Platform. It can be used for eCommerce transactions only and can be added to third-party payment apps like Google Pay and Samsung Pay (subject to availability).

The card is automatically created for all users who successfully open an ATLAS Savings Account-i. However, customers are required to activate their virtual debit card.

Your ATLAS Debit Card-i operates under the Mastercard card scheme and provides access to Mastercard’s global payment network and benefits.

Your ATLAS Debit Card-i can be used for both local and international purchases. It is widely accepted for online transactions and supports contactless payments globally (except for Shariah non-compliance merchant and prohibited countries).

Yes, your ATLAS Debit Card-i supports contactless payments. If you have an ATLAS Virtual Debit Card-i, you can add it to mobile wallets like Google Pay or Samsung Pay for convenient tap-and-go transactions.

Currently, ATLAS Debit Card-i is available in one design.

Card Activation

Your ATLAS Virtual Debit Card-i will be automatically created after you successfully open an ATLAS Savings Account-i. However, it will not be automatically activated.

To activate your card for the first time:

  1. Open the ATLAS mobile application.
  2. Tap the “Manage Card” icon on the dashboard.
  3. Tap the “Activate Now” icon to activate the card.
  4. Set up your 6-digit PIN for the card and confirm it.

Once activated, you can use your card for online transactions or link it to mobile wallets like Google Pay or Samsung Pay. If you face any issues, please reach out to our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my.

The following fees and charges are part of those applicable to the Virtual ATLAS Debit Card-i:

Transaction Fee
1 Issuance Fee

  • Virtual
Free
2 Annual Fee (year 2 thereafter)

  • Virtual
RM 12.00
1 Card Replacement / Renewal Fee

  • Virtual
Free

For a comprehensive list and detailed explanations, please visit www.atlasmuamalat.com.my. Navigate to: Fees and Charges →
Debit Card to access the full breakdown of all associated costs.

Card Management

Follow these steps to set up or reset your PIN:

  1. Setting Up a New PIN:
    • After activating your virtual card , enter your preferred 6-digit PIN.
    • Confirm the PIN and tap the “Confirm” button.
  2. Resetting an Existing PIN:
    • Go to the “Manage Card” section on the ATLAS Platform.
    • Select the PIN reset option, enter a new 6-digit PIN, confirm it, and tap the “Confirm” button.

To block or unblock your debit card, access the “Manage Cards” section on the ATLAS Platform. Choose the block or unblock option and follow the on-screen instructions to confirm your action.

Once completed, you will receive a notification confirming that your card has been temporarily disabled or is ready for use.

Currently, the option to enable or disable overseas transactions is not available on the ATLAS Platform.

To opt in and enable overseas transactions, please contact our Customer Service team at 03-20215888.

Fund Transfer

You can deposit funds into your ATLAS Savings Account-i through the following methods:

  1. Transfer via i-Muamalat Internet Banking:
    • Log in to i-Muamalat at https://www.imuamalat.com.my/rib/index.do.
    • Select Fund Transfer > From: Your BMMB Savings Account > Third Party Fund Transfer > Click New Transfer.
    • In the “To Account” field, enter your ATLAS account number.
    • Enter the amount, submit, and authenticate the transaction.
  2. Transfer via i-Muamalat Mobile Banking App:
    • Log in to the i-Muamalat mobile app on your phone.
    • Select Transfer > Other BMMB Current/Savings Account > From: Your BMMB Savings Account > Click New Transfer.
    • In the “Account No” field, enter your ATLAS account number.
    • Enter the amount, submit, and authenticate the transaction.
  3. Transfer via DuitNow Transfer:
    You can deposit funds into your ATLAS Savings Account-i using DuitNow from other banks. Simply choose the DuitNow transfer option in your bank’s mobile app or internet banking, enter your ATLAS account number as the recipient, and follow the instructions to complete the transfer securely

Currently, no service charge is imposed for any fund transfers made through ATLAS.

The maximum daily transaction limit is RM50,000.

No, you cannot change your fund transfer limit at the moment.

If the intended recipient hasn’t received the money within the expected timeframe, please reach out to our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my.

DuitNow Transfer

DuitNow Transfer is a real-time payment service that allows you to send money using an account number or a proxy, such as a mobile number, NRIC, passport number or business registration number.

You can perform DuitNow transfers directly through the ATLAS Platform. This service is part of an industry-wide initiative designed to make fund transfers more convenient and secure.

A DuitNow ID is an identifier used to link your account number for fund transfers. It can include any of the following:

  1. Mobile Number (local only)
  2. NRIC (MyKad/Old I/C)
  3. Army or Police Number
  4. Passport Number
  5. Business Registration Number (for Corporate and Sole Proprietor account holders)

For ATLAS customers, your ATLAS Savings Account-i number is automatically registered as your DuitNow ID. This allows others to transfer funds to your ATLAS account via DuitNow Transfer. However, additional DuitNow ID registrations, such as linking your mobile number or NRIC, are not supported at this time

Currently, there are no fees or charges for DuitNow Transfer.

Yes, the daily transaction limit for DuitNow Transfer is RM50,000.

After entering the DuitNow ID, the name of the registered account holder will be displayed. Make sure to verify that the name matches the intended recipient before confirming the transfer.

Yes, you can receive funds into your ATLAS Savings Account-i through DuitNow Transfer. Your ATLAS Savings Account-i number is automatically registered as your DuitNow ID, enabling others to transfer funds directly to your account.

To transfer money using DuitNow Transfer:

  1. Open the ATLAS mobile application and tap on the “Move Money” icon on the ATLAS platform dashboard.
  2. Select the “Transfer via DuitNow” option.
  3. Enter the payment amount and a transfer description.
  4. Confirm the details and complete the transaction.

DuitNow QR

DuitNow QR is Malaysia’s national QR standard, developed by PayNet under Bank Negara Malaysia’s Interoperable Credit Transfer Framework (ICTF). It provides a secure and convenient method for making payments to merchants or individuals quickly and easily.

Currently, our DuitNow QR feature supports:

Merchant Payments:
Use ATLAS mobile application to scan DuitNow QR codes displayed by merchants to make payments.

Note: Scanning QR codes to transfer money to individuals via DuitNow QR Pay or displaying your own QR code to receive money is not available at this stage.

To make payments with DuitNow QR:

  1. Open the ATLAS mobile application and tap on the “QR Button” icon in the bottom navigation.
  2. Scan the merchant’s DuitNow QR code.
  3. Enter the payment amount and transfer description.
  4. Confirm the details and complete the transaction.

This feature is not yet available. Please stay tuned for future updates!

The minimum transaction limit is RM0.01, while the default and maximum limit for DuitNow QR is RM50,000.

Yes, ATLAS mobile application supports all DuitNow QR codes displayed by merchants, regardless of their bank or e-wallet provider.

Currently, the ATLAS QR payment feature supports scanning only Static QR Codes.

  1. Static QR Code: This QR code contains the merchant’s account details. After scanning, you will need to manually enter the
    payment amount to complete the transaction.
  2. Dynamic QR Code: This QR code includes both the merchant’s account details and the transaction amount, but it is not yet supported. Stay tuned for future updates as we enhance our features!

No, there are no fees for making payments with DuitNow QR.

After making a payment, the status will be displayed on the screen, and you will also receive a push notification from ATLAS. Additionally, you can view the transaction in your transaction history.

A payment may be declined for the following reasons:

  1. Insufficient balance in your account
  2. Poor internet connectivity
  3. The merchant’s DuitNow QR service has been deactivated

Please show the successful notification to the merchant as proof of payment. The merchant can also check their transaction history to verify if the payment has been received.

Secure Messages

Secure Messages is a feature on the ATLAS Platform that allows you to securely communicate with our Digital Assist team. You can manage your conversations efficiently using various tools and features provided.

To access Secure Messages:

  1. Navigate to the More menu on the ATLAS Platform dashboard navigation.
  2. Select Messages from the list of options.

With Secure Messages, you can:

  1. View received messages in the Inbox, sent messages in the Sent tab, and saved drafts in the Draft tab.
  2. Compose a new message by selecting a topic, adding a subject, and writing your message.
  3. Save drafts to complete and send later.
  4. Mark messages as Read or Unread for better organization.
  5. Delete conversations you no longer need.
  6. View detailed conversation threads for context.
  7. Reply to messages from the Digital Assist team to continue a discussion.

To compose a message:

  1. Open the Secure Messages page.
  2. Tap the Compose Icon (+ symbol).
  3. Select a topic from the dropdown menu, enter a subject, and write your message in the body field.
  4. Tap Send when you’re ready to submit your message.

Yes, any unfinished message is automatically saved in the Draft tab. You can return to it later, make edits, and send it when you are ready.

Reporting Scams and Fraud

If you suspect fraudulent activity or scams, take immediate action:

  1. Call our BMMB scam hotline at 03-2615 8000 (24 Hour).
  2. Email us at feedback@muamalat.com.my.
  3. Call National Scam Response Centre (NSRC) at 997 (8.00 AM – 8.00 PM daily). Or,
  4. Please walk into any nearest branch for further assistance.

Manage Your Profile

Currently, ATLAS is only available in English. We’ll notify you as soon as additional language options are available in future updates.

Login & Authentication

You can only access your account on one device at a time. If you would like to uninstall the app or use it in a different device, you’ll need to remove your device and register to a new device. Or you can simply conduct new device registration which will automatically remove your previous device.

To update your ATLAS mobile application passcode, just follow these steps:

  1. Click on the profile icon in the navigation tab in the main dashboard.
  2. Select ‘Profile and security’
  3. Select ‘Change Passcode ‘.
  4. Input your existing passcode.
  5. Create a new passcode and confirm it.

That’s all, your new passcode is now set.

For a smooth registration process, please remember the following:

  1. Ensure your device has a stable internet connection to complete registration without interruptions.
  2. Allow camera permission on your device for features requiring camera access. Rest assured; it will only be used when necessary.
  3. Make sure your device can receive SMS messages to avoid missing any verification codes or important communication.

By keeping these points in mind, you’ll be ready for a hassle-free registration.

Please ensure your device has network coverage. Kindly tap on ‘resend’ to request another SMS OTP. If you keep facing the same issue, please reach out to our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my

To unlock your account, reach out to our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my.

If you recently connected to an unsecured WiFi network, this error might occur. To fix it, switch to a secure network try logging in again.

Issues and Troubleshooting

Your ATLAS Savings Account-i will be unbind from your previous device when you uninstall the app, factory resetting your device, or clearing the app’s data or cache. If this happens you can bind the account with the same device or a new device, following these steps:

  1. Download ATLAS mobile application.
  2. Open and login as existing user.
  3. Verify your identity, and complete the additional verification steps
  4. Your new device should now be successfully bound to your ATLAS mobile application.

If you run into any problems, feel free to contact our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my for help.

If you’re encountering this issue, it could be because your mobile number is already associated with an existing ATLAS Savings Account-i or has been recycled by your service provider.

If you believe the number is linked to an old account or recycled, please contact our customer service at 03-20215888 or by email at ask@atlasmuamalat.com.my for assistance.

Provide proof of ownership, such as a screenshot from your service provider’s app or a photo of your phone bill showing your name and number. We’ll assist you in resolving this promptly.

To ensure a secure and reliable banking experience, we use your NRIC (front and back) as a component of our electronic Know Your Customer (e-KYC) process to identify your identity. This helps us maintain a secure environment for all our customers. Your cooperation in providing this information is essential to facilitate a smooth and secure account verification.

Currently, the system sets default daily transaction limits for all customers. You may contact Customer Services to increase your limit up to the maximum allowed for your customer type.

Your application may have been declined for several reasons, such as providing incomplete or incorrect information during the application process, not meeting our eligibility criteria, or failing to satisfy certain regulatory requirements. Please ensure all information provided is accurate and meets our guidelines to avoid any issues with your application. If you have further questions or need clarification, please reach out to our Customer Service at 03- 20215888 or by email at ask@atlasmuamalat.com.my.

Kill Switch

Kill Switch is a feature to temporarily block all login attempts when you suspect that you ATLAS Platform login credentials have been compromised. This feature is a quick way to prevent scammers from accessing your ATLAS Platform and preventing any outgoing transactions from your account(s).

There are 2 ways to activate the Kill Switch. Just follow the step-by-step guides:

Activate Kill Switch via the ATLAS mobile application:

  • Step 1: Launch the ATLAS mobile application and tap ‘Profile’ in the navigation bar.
  • Step 2: Tap ‘Kill Switch’
  • Step 3: Select the reason
  • Step 4: Tap “Confirm” to lock account

By following these steps, you can quickly secure your account and protect your funds

Upon activation of the Kill Switch, you will receive a push notification confirming the successful activation of your Kill Switch and the app will automatically log out. This ensures you’re immediately informed and can rest assured that your account is secure.

Once you have activated the Kill Switch function, your ATLAS savings account will not be blocked. Only the access to ATLAS Platform will be revoked.

To restore your access to ATLAS Platform, simply reach out to our Customer Service at 03-20215888 or by email at
ask@atlasmuamalat.com.my.

Notifications

Currently, ATLAS notifications include updates for your savings account, such as:

  1. Transactions: Alerts for both funds transferred out of and received into your account.
  2. Card Activities: Updates related to your ATLAS Debit Card-i activities.
  3. Account Funding: Notifications for daily profit credited to your account.
  4. Device Registration: Alerts when you register a new device.

If you don’t enable notifications, you won’t receive timely updates on your account activities. We recommend enabling notifications to ensure a seamless and informed banking experience.

To customize your notification settings:

  1. Tap the bell icon at the top right corner of the app.
  2. Tap the gear icon on the notification popup page to access Manage Notifications.
  3. From there, you can manage various notification preferences for different features and updates, enabling or disabling them as needed.

This ensures you only receive notifications relevant to you.

Yes! On the notification details page, select the transaction you want to share, then tap the share icon at the top right  to directly share a receipt for any inbound or outbound transaction from the platform.

Cooling Off Period

The 12-Hour Activation (Cooling-Off) Period is a security measure designed to protect your account from unauthorized activities. It applies when you perform any of the following actions:

  1. New device registration.
  2. First time registration of ATLAS Platform.
  3. Self-reactivation of ATLAS Platform; and
  4. Change Transaction Limits

You can only access the app and perform transactions after 12 hours cooling off period.

Fraud Protection and Security

If you need to report an erroneous or unauthorized transaction, you can use the digital assist in the ATLAS mobile application.
Alternatively, you can reach out to our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my.

To report a suspected fraud or scam, you can choose one of the following methods:

  1. Call our BMMB scam hotline at 03-2615 8000 (24 Hour).
  2. Email us at feedback@muamalat.com.my.
  3. Call National Scam Response Centre (NSRC) at 997 (8.00 AM – 8.00 PM daily). Or,
  4. Please walk into any nearest branch for further assistance.

The difference between unauthorized transaction and an erroneous transaction is: –

  1. Unauthorized Transaction: This happens when funds are transferred from your account without your consent.
  2. Erroneous Transaction: This occurs when you mistakenly send money to the wrong individual or organization by using
    incorrect bank details.

To keep your ATLAS mobile application secure, consider the following steps:

  1. Update Your PIN Regularly.
  2. Enable Biometric Verification.

Taking these measures will help ensure your account remains secure.

No, ATLAS will never ask for your personal banking details such as your username, bank PIN, or OTP through phone calls, emails, websites, or SMS. Your security is our top priority. If you receive any such requests, please contact us immediately.

To keep your ATLAS app secure, consider the following steps:

  1. Update Your PIN Regularly: Regularly updating your PIN helps enhance security.
  2. Activate “Lock Account”: Use the “Lock Account” feature in the app for an added layer of protection when needed.

Taking these measures will help ensure your account remains secure.

Personal Data Protection

Personal data refers to any information pertaining to a known or identifiable individual. An identifiable person is someone who can be directly or indirectly identified, especially by referencing an identification number (such as a social security number) or specific factors related to their physical, physiological, mental, economic, cultural, or social identity (such as name, date of birth, biometric data, fingerprints, DNA, etc.).

We may gather your Personal Data, which you knowingly and willingly provide when you engage with us via our mobile application, websites, social media platforms, customer hotlines, products, features, and other services we offer. This includes information obtained from our business partners or other sources, either directly or indirectly.

You authorize ATLAS to collect, process, disclose, transfer, store, and retain your personal data. This may include sharing it within BMMB, including its branches, subsidiaries, and external parties as detailed below.

  1. Government or regulatory authorities (e.g., Bank Negara Malaysia, CCRIS, Credit Bureau).
  2. Related companies or associated companies of ATLAS.
  3. Service providers like outsourcing vendors, lawyers, custodians, and debt collection agents.
  4. ATLAS’s agents, consultants, and professional advisers.
  5. Law enforcement authorities or investigating officers.
  6. Any party as permitted or required by law or regulation.

ATLAS may use your information, following regulatory guidelines, for purposes determined by ATLAS.

ATLAS, through its employees, representatives, or agents, may contact you via calls, personal visits, or other communication channels about product promotions unless you opt out in writing.

You declare that your personal information is accurate and up-to-date. You must notify the immediately of any changes.

Overview of Islamic Features

The Islamic features currently available are:

  1. Prayer Time and Alerts
  2. Zikir Counter
  3. Solat Tracker
  4. Islamic Calendar
  5. Daily Inspiration Quotes
  6. Faith Summary Dashboard

You can access these features from the Islamic Tab on the dashboard. Simply tap the “Islamic” section on the Dashboard to explore all related features.

New features will be introduced in stages, and you will be notified as soon as they become available!

Prayer Time and Alerts

ATLAS mobile application uses your device’s location to provide accurate prayer times based on recognized calculation methods. You can also customize alerts for each prayer (e.g., vibration, sound, or both).

Yes, prayer times are cached on your device for offline access after the initial setup.

Go to the Settings within the Islamic Page, where you can enable or disable notifications for each prayer and adjust alert preferences.

Zikr Counter

The Zikir Counter allows you to track your Zikir repetitions. Tap the screen to increase the count and use the reset button to start a new session.

Yes, the Zikir count is stored locally on your device. You can continue where you left off.

Yes, you can manually set a target for your Zikir count. Simply navigate to Zikir page, tap on the edit icon, input your desired target and start your session. The counter will display your progress towards the target.

Islamic Calendar

The Islamic Calendar displays both Hijri and Gregorian dates, highlighting important Islamic events such as Ramadan, Aidil-Fitri, and Aidil-Adha.

Faith Summary Dashboard

The Faith Summary Dashboard provides an overview of your faith-related activities such as prayers completed and Zikir performed.

 

For some features such as Solat and Zikir, tracking may require manual input or interaction with the app.

The Solat Tracker allows you to log your performed prayers in the Faith Dashboard.

Tap on the specific prayer to mark it as completed, and the “Perform Solat” summary activities card will update to reflect your progress. This feature helps you monitor your daily prayers and stay on track.

Overview of Lifestyle Features

The Loyalty and Rewards Program is a platform where customers can earn and redeem loyalty points for various activities such as account creation and referrals. The program offers rewards like e-vouchers, physical vouchers, and exclusive offers from participating merchants.

Simply sign up for the program by creating an ATLAS account, and you can start earning points through activities like performing banking transactions, making purchases, and referring friends.

Loyalty and Rewards

Loyalty points can be earned by:

  1. Opening a savings account.
  2. Referring new users to ATLAS.

Loyalty tiers classify members based on the total points they earn. As you accumulate more points, you can progress to higher tiers, unlocking additional benefits and rewards.

Yes, loyalty points do expire. You can track the expiry dates of your points in the “Point History” section of the app to ensure timely redemption. You also will be informed on how may points will be expiring on what date.

You can redeem your loyalty points for a variety of rewards, including e-vouchers and physical vouchers from participating merchants. Each reward will show the required points needed for redemption in the “Rewards for You” section.

All redeemed rewards are stored in the “Rewards Wallet.” This section allows you to view both active and used rewards for your reference.

To use a redeemed reward, click “Use” in your Rewards Wallet. A QR code or reference code will be generated which you can use for online or in-store redemption.

All your point transactions including points earned, redeemed, and their expiry dates are recorded in the “Point History” section of the app.

Yes, you can filter rewards by using the filter function
available on the “Rewards for You” page.

Referral

The Referral Program allows you to invite new users to the ATLAS app using a unique referral code. Both the referrer and the referee will earn loyalty points upon successful registration.

Share your unique referral code with friends. When they sign up using your code, both of you will earn points.

No, there is no limit to the number of referrals you can make. You will earn points for each successful referral.

Your referral code can be found in the Referral Program section of the ATLAS app.

All referral-related rewards will appear in your “Point History” section, where you can view your points earned from successful referrals.