Atlantic Money
UK money transfer app that charges one flat fee per transfer at the live exchange rate.
Updated · AppBreakup editorial · iOS
Is Atlantic Money free?
No, it's a paid product
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- 5 of 5
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- 6
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About Atlantic Money
Atlantic Money is a UK-based international money transfer service built around one simple price: a flat fee per transfer, no matter how large, with currency converted at the live exchange rate and no markup. That makes it most attractive for large transfers, such as moving savings, paying for property or sending tuition, where percentage-based fees from banks and many remittance apps add up quickly. It currently supports about ten currencies, including pounds, euros, US dollars, Canadian and Australian dollars, Indian rupees and several Nordic and Polish currencies, and sends money straight to the recipient's bank account, with a standard option taking a few days and an express option for faster delivery. There is also a business version for paying overseas suppliers. The service is run by Deel Payments UK Ltd, which is authorised by the UK's Financial Conduct Authority. It is app-first on iOS; the Android app is not yet available.
Best for: UK users sending large sums abroad who want a flat fee and no exchange-rate markup.
Atlantic Money pricing (checked Nov 8, 2026)
Each line is quoted from Atlantic Money's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| Transfer fee | Flat £3 per transfer | Nov 8, 2026 | atlantic.money |
| Maximum transfer | £1 million for the same £3 fee | Nov 8, 2026 | atlantic.money |
Pros and cons
What works
- Flat fee per transfer, regardless of the amount sent
- Uses the live exchange rate with no markup
- High transfer limit for big one-off payments
- Business version for paying international suppliers
Why people leave
- Only about ten currencies supported
- No Android app yet
- Flat fee makes it poor value for very small transfers
Atlantic Money vs Xe, Remitly and Instarem
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
Top Atlantic Money alternatives
See all 6- 1
Xe64.8Long-running transfer service covering many corridors, useful when Atlantic doesn't support your currency.
- 2
Remitly61.8Strong for sending to family abroad, with cash pickup and mobile-wallet delivery Atlantic doesn't offer.
- 3
Instarem59.4Low-margin international transfers popular across Asia-Pacific, with a loyalty points scheme on transfers.
- 4
TransferGo57.5European-based transfers with an instant delivery option and good coverage of Eastern European currencies.
- 5
Wise56.8Mid-market rate with transparent fees to far more currencies, plus a multi-currency account and debit card.
Why people left Atlantic Money
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Atlantic Money: common questions
What is Atlantic Money?
Atlantic Money: UK money transfer app that charges one flat fee per transfer at the live exchange rate. Best for UK users sending large sums abroad who want a flat fee and no exchange-rate markup. Available for iOS.
Is Atlantic Money free?
No, Atlantic Money is a paid product.
How much does Atlantic Money cost?
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 Atlantic Money open source?
No, Atlantic Money is not open source.
What platforms does Atlantic Money run on?
Atlantic Money is available for iOS.
What are the best alternatives to Atlantic Money?
The highest-ranked Atlantic Money alternatives right now are Xe, Remitly and Instarem. See the full ranked list for pricing, platforms and verified facts.
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.