What Atlantic Money has shown on monitored routes
A win requires a completed, non-promotional quote at the same sending amount. Converter rates and modelled bank prices remain useful evidence, though neither is allowed to wear the winner's badge.
Where Atlantic Money makes sense
- Best for
- Larger bank transfers on supported currencies, including business payments.
- Less suitable for
- Cash pickup, unsupported destinations and people who need a large branch or agent network.
- Where the rate cost sits
- Atlantic Money says it passes through the live institutional exchange rate without a markup.
- What the fee tells you
- A flat £3 fee for UK transfers, rather than a percentage of the amount.
- Delivery
- Route-dependent bank delivery through the app. The quote should be checked for the actual arrival estimate.
- Access
- App-based personal and business transfers from the UK and supported European countries, with transfers advertised up to £1 million.
How Atlantic Money's quote can flatter or disappoint
Atlantic Money changes the arithmetic of a large transfer. A percentage fee grows with the amount; £3 does not. On a £200 payment the flat fee is 1.5% before any other consideration. On £20,000 it is 0.015%. That makes amount size central to the verdict.
The company says it uses a live institutional rate without adding a markup. Our corridor crawler still checks the complete recipient amount, because a claim about pricing is not a substitute for a route-specific quote. Availability is the main practical limit. Atlantic Money does not try to match the global cash and mobile-wallet footprint of a remittance network.
Where it is available, it deserves a place beside Wise and a broker quote on any large bank transfer. Customers should confirm the supported destination, payment timing and beneficiary requirements before treating the flat fee as the whole decision.
Where it works well
- Flat £3 pricing can be exceptional on large amounts
- No stated FX markup
- Simple cost structure
Where the value thins out
- Narrower corridor and payout coverage than larger rivals
- App-led service with a smaller operating history
- A public quote is not available on every route
The latest Atlantic Money figures we can reproduce
Each row is the newest record for that route. The receipt shows the provider screen or calculation behind it, including the time we saw it.
| Route | Sent | Visible fee | Amount delivered | Against the best completed quote | Receipt |
|---|---|---|---|---|---|
| Euro area → United Statesbank transfer · bank deposit | €850.00 | €3.00 | US$974.90Rate 1.151 | Best completed result | Open receipt31 Jul 2026, 08:13 UTC |
| France → United Kingdombank transfer · bank deposit | €850.00 | €3.00 | £725.13Rate 0.85611 | Best completed result | Open receipt31 Jul 2026, 08:12 UTC |
| Germany → United Kingdombank transfer · bank deposit | €850.00 | €3.00 | £725.13Rate 0.85611 | Best completed result | Open receipt31 Jul 2026, 08:12 UTC |
| Ireland → United Kingdombank transfer · bank deposit | €850.00 | €3.00 | £725.13Rate 0.85611 | Best completed result | Open receipt31 Jul 2026, 08:12 UTC |
| Italy → United Kingdombank transfer · bank deposit | €850.00 | €3.00 | £725.13Rate 0.85611 | Best completed result | Open receipt31 Jul 2026, 08:12 UTC |
| Netherlands → United Kingdombank transfer · bank deposit | €850.00 | €3.00 | £725.13Rate 0.85611 | Best completed result | Open receipt31 Jul 2026, 08:12 UTC |
| Portugal → United Kingdombank transfer · bank deposit | €850.00 | €3.00 | £725.13Rate 0.85611 | Best completed result | Open receipt31 Jul 2026, 08:12 UTC |
| Spain → United Kingdombank transfer · bank deposit | €850.00 | €3.00 | £725.13Rate 0.85611 | Best completed result | Open receipt31 Jul 2026, 08:12 UTC |
| United Kingdom → Australiabank transfer · bank deposit | £200.00 | £3.00 | A$376.83Rate 1.91282 | Best completed result | Open receipt31 Jul 2026, 08:11 UTC |
| United Kingdom → Canadabank transfer · bank deposit | £200.00 | £3.00 | CA$371.33Rate 1.88488 | Best completed result | Open receipt31 Jul 2026, 08:11 UTC |
| United Kingdom → United Statesbank transfer · bank deposit | £200.00 | £3.00 | US$264.84Rate 1.34436 | -US$2.50 | Open receipt31 Jul 2026, 08:11 UTC |
| United Kingdom → Polandbank transfer · bank deposit | £200.00 | £3.00 | PLN 992.18Rate 5.036403 | -PLN 9.18 | Open receipt31 Jul 2026, 08:10 UTC |
| United Kingdom → Francebank transfer · bank deposit | £200.00 | £3.00 | €230.10Rate 1.167979 | -€2.15 | Open receipt31 Jul 2026, 08:10 UTC |
| United Kingdom → Germanybank transfer · bank deposit | £200.00 | £3.00 | €230.10Rate 1.167979 | -€2.15 | Open receipt31 Jul 2026, 08:10 UTC |
| United Kingdom → Irelandbank transfer · bank deposit | £200.00 | £3.00 | €230.10Rate 1.167979 | -€2.15 | Open receipt31 Jul 2026, 08:10 UTC |
| United Kingdom → Italybank transfer · bank deposit | £200.00 | £3.00 | €230.10Rate 1.167979 | -€2.15 | Open receipt31 Jul 2026, 08:10 UTC |
| United Kingdom → Netherlandsbank transfer · bank deposit | £200.00 | £3.00 | €230.10Rate 1.167979 | -€2.15 | Open receipt31 Jul 2026, 08:10 UTC |
| United Kingdom → Portugalbank transfer · bank deposit | £200.00 | £3.00 | €230.10Rate 1.167979 | -€2.15 | Open receipt31 Jul 2026, 08:10 UTC |
What to price beside Atlantic Money
Wise remains the cleanest yardstick for an ordinary bank transfer. It uses the mid-market rate and places its charge in view, so there is less detective work between the advertised rate and the amount delivered.
Read the Wise rate review →CurrencyFair is a credible bank-transfer specialist that publishes a typical exchange margin, which is more candour than most brokers manage. The flat transfer-out fee still needs adding to the rate cost.
Read the CurrencyFair rate review →Xe has the reach and support to handle far more than a routine £200 payment. Its public converter is useful, though it is not the rate a customer can necessarily book, a distinction the glossy chart leaves rather quiet.
Read the Xe rate review →Atlantic Money's own pricing documents
These pages describe the published terms. The corridor table is gathered separately, so a provider's explanation never substitutes for the quote it gives us.
- UK pricing and live-rate policyAtlantic Money
- Business transfer pricingAtlantic Money