Atlantic Money Review: Exchange Rates, Fee, and Features

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“Atlantic Money is a newly launched app in early 2022 that immunizes the remittance market due to its technological innovations. It gives competition to existing international money transfer services by offering a fixed fee structure that extends beyond the transfer amount and no currency markup rates.”

Are you locating the best money transfer app? In this blog post, we will deliver a deep analysis of the Atlantic Money app, including its cost, service, features, trust & safety, and customer reviews. 

Check out the complete Atlantic Money Review and compare it with other money transfer services to find the one that best fits you.

Atlantic Money Pros & Cons:


  • charges only a £3 transfer fee for all transfers, regardless of the amount or size. 
  • They deliver mid-market exchange rates with no markup.
  • Emergency transfers are available with a charge of 0.1%.
  • Your money is safe and secured by the Financial Conduct Authority.


  1. app-only platform; it does not provide you with web service. 
  2. It allows bank transfers only. 
  3. Having a short list of supported currencies

Atlantic Money Overview:

What is Atlantic Money? Atlantic Money is a new money transfer app that has a good position in the money transfer market.

If you want to make an international transfer at its cheapest, Atlantic Money has the solution for you by providing customers with a mid-market rate with a fixed fee structure of £3 (or €3). 

With Atlantic Money, you can transfer thousands and millions of pounds, but the prettiest is that you will only charge a fixed fee of £3.

You can also check Cash app which gives you complete banking solutions with expeditious transactions.

Is Atlantic Money legit and safe?

Atlantic Money Ltd. is a legitimate and safe platform.

It is regulated and authorized by the Financial Conduct Authority (FCA) in the UK and by the National Bank of Belgium as a payment institution. 

Atlantic Money takes the step to protect your money and ensures that your funds remain safe through its safeguarding rules and regulations. 

To give your money more protection, it also organizes additional measures to prevent the funds from being scammed or fraud:

  • It acts with due diligence towards the reliability of payments, banks, other providers, and creditworthiness. 
  • It keeps all the transaction records secure.
  • It imposes strict limitations on access to company bank accounts.

Atlantic Money Exchange Rates:

Atlantic Money provides customers with the best possible rates, delivering them no markup on mid-market exchange rates. 

Unlike other platforms, Atlantic does not make money by charging you more or taking in margins on exchange rates they make revenue from the fixed structured transfer fees.

Atlantic Money Transfer Fee: How much does Atlantic Money charge you?

Atlantic Money charges you £3 fees for all kinds of transfers without any limit on the amount, size, or currency of the transfer.

Atlantic Money is one of the cheapest providers on the market. 

You only have to pay 0.1% more when you select Express Transfer for a speedy transaction.

Atlantic Money features:

As a new company, the Atlantic Money Mobile app doesn’t include several classy features like limit orders and forward contracts. It just allows their audience to transfer money with its iOS and Android apps at a low cost.

But contemplate that Atlantic Money slowly and gradually enhances and adds these features and services to its app in the coming days. 

Atlantic Money Currency: It offers conversion from Pounds or Euros and conversion to nine other currencies, which include USD, GBP, EUR, CAD, AUD, INR, SEK, DKK, NOK, and PLN. 

These are the minimum options, but enough for the startup. Atlantic Money may reveal more currencies soon.

Atlantic Money Transfer Speed: It offers you two options: standard transfers take two business days for currency conversion, and express transfers allow you to send money instantly. 

Further, its delivery times also vary for different currencies.

Atlantic Money Customer Support: It offers you 24/7 customer support through iMessage or WhatsApp. 

You can easily chat with them on operational business days. The call service is not available yet. 

As an alternative to Atlantic Money, you can also consider Xoom, Instarem, and XE for your international transfers. They also charge you with the low fees.

If you have large sums of money to transfer internationally above £25000 TorFX is the smart choice.

How does Atlantic Money work?

Atlantic Money provides a user-friendly interface, so working with this money service is quite easy. 

You can seamlessly make your first transfer with Atlantic Money by following these steps:

  1. Install the Atlantic Money app on your phone. 
  2. Enter personal details or verify the documents to sign up for the account.
  3. After completing the sign-up, add your recipient’s details.
  4. Now pick the transfer method: Standard or Express.
  5. The Express method is used when you need to transfer funds earlier, which costs you 0.1% fees. 
  6. It’s done! Your chosen amount is being transferred to your sender.

Atlantic Money Reviews:

On Trustpilot, Atlantic Money gets 104 reviews with a great 3.9/5 rating, of which 57% of customers give it 5 stars, while only 1% of customers give it 1 star.

In the positive reviews, customers find Atlantic Money to be the best and cheapest international transfer service, giving them speedy transactions as promised.

In the negative reviews, customers state that they need to provide more details and information for large transfers. And claiming about its referral program. 

More can be found on the Trustpilot page. 


Atlantic Money is a recently launched company that offers you basic money transfer services at the cheapest rates.

If you only need a straightforward international money transfer without any extra features or services, Atlantic Money is the best for it. 

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