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Atlantic Money alternatives: 6 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll international money transfer services

Top picks

  • Xe logo

    Best overall

    Xe

    Starting price: Transfer fees from $0

  • Remitly logo

    Best free option

    Remitly

    Free

Common reasons people leave Atlantic Money: only about ten currencies supported, and no Android app yet. We ranked 6 alternatives by how directly each one replaces Atlantic Money, then by reviews, real visits and how recently each app's facts were checked against its own website. Xe currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Xe logoXeFree plan + paid—NoWeb, iOS, Android8 of 864.8
2Remitly logoRemitlyFree—NoWeb, iOS, Android4 of 461.8
3Instarem logoInstaremPaid—NoWeb, iOS, Android5 of 559.4
4TransferGo logoTransferGoPaid—NoWeb, iOS, Android8 of 857.5
5Wise logoWiseFree—NoWeb, iOS, Android3 of 356.8
6Paysend logoPaysendPaid—NoWeb, iOS, Android8 of 855.9
  1. Xe logo

    1. XeTop pick

    Best for: People sending larger sums abroad who also want a trusted currency converter and rate alerts

    Free plan + paidWeb, iOS, Android

    64.8

    score / 100

    Why switch from Atlantic Money

    Long-running transfer service covering many corridors, useful when Atlantic doesn't support your currency.

    Pros

    • Free currency converter, charts and rate alerts
    • Bank, mobile wallet and cash pickup delivery
    • Regulated in many countries and part of Euronet

    Cons

    • Card payments add an extra fee
    • Exchange-rate margin makes the true cost less obvious than Wise's
    • Bank transfers can take up to three business days
    Visit Xe Details and reviews
    How this score is calculated
    Editorial fit ×0.387
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Xe a good Atlantic Money alternative?

    Verified facts

    8 of 8 verified
    Owner
    Euronet Worldwide
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Cash pickup
    500,000+ locations
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Regulators
    FCA, FinCEN, FINTRAC, ASIC and more
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Rate alerts
    Yes
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Starting price
    Transfer fees from $0
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Bank account payment
    No additional fee
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Card payment
    Small additional fee
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    US online transfer limit
    $535,000 USD per transfer
    Checked Nov 8, 2026xe.com(opens source in a new tab)
  2. Remitly logo

    2. Remitly

    Best for: People sending regular remittances to family abroad, especially for cash pickup or mobile wallets

    FreeWeb, iOS, Android

    61.8

    score / 100

    Why switch from Atlantic Money

    Strong for sending to family abroad, with cash pickup and mobile-wallet delivery Atlantic doesn't offer.

    Pros

    • Sends to 170+ countries with bank, mobile wallet and cash pickup options
    • Fee and exchange rate shown before you confirm
    • Support in 18 languages
    • Business accounts for paying overseas contractors

    Cons

    • Exchange rates include a margin, so it is not always the cheapest route
    • You can only send from a limited list of countries
    • Costs vary by route and payment method, which makes comparing harder
    Visit Remitly Details and reviews
    How this score is calculated
    Editorial fit ×0.377
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Remitly a good Atlantic Money alternative?

    Verified facts

    4 of 4 verified
    Destinations
    175+ countries
    Checked Nov 8, 2026remitly.com(opens source in a new tab)
    Delivery methods
    Bank account, mobile wallet, cash pickup
    Checked Nov 8, 2026remitly.com(opens source in a new tab)
    Support languages
    18
    Checked Nov 8, 2026remitly.com(opens source in a new tab)
    Headquarters
    Seattle, US
    Checked Nov 8, 2026remitly.com(opens source in a new tab)
  3. Instarem logo

    3. Instarem

    Best for: Expats in the US, Europe or Asia sending money home to bank accounts, especially to India

    PaidWeb, iOS, Android

    59.4

    score / 100

    Why switch from Atlantic Money

    Low-margin international transfers popular across Asia-Pacific, with a loyalty points scheme on transfers.

    Pros

    • InstaPoints rewards lower the cost of future transfers
    • Fees and rate shown upfront with real-time tracking
    • Backed by Nium and licensed in 11 countries

    Cons

    • Around 60 destination countries, far fewer than Remitly or Western Union
    • Mostly bank deposits, with little cash-pickup coverage
    • Supporting documents may be requested for some transfer purposes
    Visit Instarem Details and reviews
    How this score is calculated
    Editorial fit ×0.369
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Instarem a good Atlantic Money alternative?

    Verified facts

    5 of 5 verified
    Destinations
    60+ countries
    Checked Nov 8, 2026instarem.com(opens source in a new tab)
    Owner
    Nium
    Checked Nov 8, 2026instarem.com(opens source in a new tab)
    Regulation
    Licensed in 11 countries
    Checked Nov 8, 2026instarem.com(opens source in a new tab)
    Founded
    2014, in Asia-Pacific
    Checked Nov 8, 2026instarem.com(opens source in a new tab)
    Rewards
    InstaPoints on every transfer
    Checked Nov 8, 2026instarem.com(opens source in a new tab)
  4. TransferGo logo

    4. TransferGo

    Best for: People in Europe and the UK sending money home who also want a multi-currency card

    PaidWeb, iOS, Android

    57.5

    score / 100

    Why switch from Atlantic Money

    European-based transfers with an instant delivery option and good coverage of Eastern European currencies.

    Pros

    • Covers 160+ countries, with strong corridors from the UK and EU
    • Free virtual GoCard plus a multi-currency balance in the same app
    • Regulated by the UK FCA and the Bank of Lithuania

    Cons

    • Physical card has a one-off fee, and ATM use beyond the monthly allowance costs extra
    • Sending is mainly from Europe and the UK, so it is less useful for US-based senders
    • Fees and rates vary by corridor and speed, so costs need checking per transfer
    Visit TransferGo Details and reviews
    How this score is calculated
    Editorial fit ×0.363
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is TransferGo a good Atlantic Money alternative?

    Verified facts

    8 of 8 verified
    Destinations
    160+ countries
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    Platforms
    iOS, Android, Huawei, web
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    Founded
    2012
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    Physical card
    £4.99 one-time payment
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    Regulation
    UK FCA (FRN 991295)
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    Transfer fee
    From 0.2% to bank accounts
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    Free plan
    Yes, free multi-currency account, no monthly cost
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
    ATM withdrawals
    £500 free a month in UK/EEA (3 withdrawals)
    Checked Nov 8, 2026transfergo.com(opens source in a new tab)
  5. Wise logo

    5. Wise

    Best for: Expats, freelancers and travellers who send, receive or spend money in several currencies

    FreeWeb, iOS, Android

    56.8

    score / 100

    Why switch from Atlantic Money

    Mid-market rate with transparent fees to far more currencies, plus a multi-currency account and debit card.

    Pros

    • Mid-market exchange rate with fees shown upfront
    • Holds and converts 40+ currencies in one account
    • Local account details for receiving payments abroad

    Cons

    • Not a full bank in most countries, so no overdrafts or loans
    • Per-transfer fees still apply, especially for small amounts
    • Funds are safeguarded rather than covered by deposit insurance in many regions
    Visit Wise Details and reviews
    How this score is calculated
    Editorial fit ×0.360
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Wise a good Atlantic Money alternative?

    Verified facts

    3 of 3 verified
    Currencies
    40+
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Account fee
    Free to open
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Fund protection
    Safeguarded accounts
    Checked Nov 8, 2026wise.com(opens source in a new tab)
  6. Paysend logo

    6. Paysend

    Best for: People sending money home who want card, wallet or cash payout options in one app

    PaidWeb, iOS, Android

    55.9

    score / 100

    Why switch from Atlantic Money

    Card-to-card transfers to over a hundred countries, simple when the recipient only has a bank card.

    Pros

    • Several payout methods: bank account, card, e-wallet or cash, depending on the destination
    • Rate and fee are shown before you confirm each transfer
    • Wide reach of 170+ destination countries

    Cons

    • Fees and exchange margins vary by corridor, so it is not always the cheapest option
    • No multi-currency balance to hold money like Wise or Revolut offer
    • Delivery times depend on route and compliance checks, so 'fast' is not guaranteed
    Visit Paysend Details and reviews
    How this score is calculated
    Editorial fit ×0.357
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Paysend a good Atlantic Money alternative?

    Verified facts

    8 of 8 verified
    Destinations
    170+ countries
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Payout methods
    Bank account, card, e-wallet or cash
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Fee shown upfront
    Yes, before you confirm
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Regulation
    UK FCA e-money institution
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Headquarters
    Edinburgh, Scotland
    Checked Nov 5, 2026paysend.com(opens source in a new tab)
    Transfer fee
    From $1.99 when sending from the US
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Fee type
    Fixed fee, not a % of the amount
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Daily limit (new accounts)
    $999 a day
    Checked Nov 8, 2026paysend.com(opens source in a new tab)

The best Atlantic Money alternative for…

The highest-ranked app in this list for each need.

Xe logo

Best Atlantic Money alternative for most people

Xe

Long-running transfer service covering many corridors, useful when Atlantic doesn't support your currency.

Remitly logo

Best Atlantic Money alternative for a free option

Remitly

Strong for sending to family abroad, with cash pickup and mobile-wallet delivery Atlantic doesn't offer.

Xe logo

Best Atlantic Money alternative for a free plan you can upgrade

Xe

Long-running transfer service covering many corridors, useful when Atlantic doesn't support your currency.

Instarem logo

Best Atlantic Money alternative for iPhone and Android

Instarem

Low-margin international transfers popular across Asia-Pacific, with a loyalty points scheme on transfers.

TransferGo logo

Best Atlantic Money alternative for working in the browser

TransferGo

European-based transfers with an instant delivery option and good coverage of Eastern European currencies.

Atlantic Money alternatives: common questions

What is the best alternative to Atlantic Money?

Xe ranks first right now. Long-running transfer service covering many corridors, useful when Atlantic doesn't support your currency. Remitly and Instarem follow it in our ranking.

Atlantic Money vs Xe: what's the difference?

Atlantic Money is a paid product; Xe is free with paid plans. Only Xe runs on Web and Android.

Is Atlantic Money free?

Atlantic Money is a paid product. Transfer fee: Flat £3 per transfer; Maximum transfer: £1 million for the same £3 fee. Checked on Atlantic Money's own site, November 2026.

Is there a free alternative to Atlantic Money?

Yes. Xe (free plan + paid), Remitly (free) and Wise (free) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Atlantic Money?

None of the 6 alternatives in this list is open source.

Why do people switch from Atlantic Money?

The complaints we hear most: only about ten currencies supported; no Android app yet; flat fee makes it poor value for very small transfers.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Atlantic Money, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.