Atlantic Money
Remittance & money transfer software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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What is Atlantic Money
Atlantic Money is a mobile app for international money transfers that focuses on sending funds abroad with a simple fee structure. It targets individuals who need to remit money cross-border, typically from supported European markets to a set of destination countries and currencies. The product emphasizes transparent pricing and in-app transfer initiation rather than broader business finance workflows such as payables automation or expense management.
Transparent fee-led pricing
Atlantic Money presents transfers with a clear, upfront fee model rather than relying primarily on opaque markups. This can make it easier for users to compare total transfer costs across providers. The app experience is oriented around showing the fee and expected delivery details before confirming a transfer.
Consumer-focused mobile experience
The product is designed primarily for individual senders, with onboarding and transfer flows optimized for mobile use. This suits common remittance scenarios such as recurring family support payments. The narrower scope can reduce complexity compared with platforms built for multi-entity business finance operations.
Cross-border transfer specialization
Atlantic Money concentrates on international transfers rather than bundling a wide set of financial tools. This specialization can be beneficial for users who only need to send money internationally and do not require corporate cards, spend controls, or AP/AR features. It aligns the product’s interface and support content around remittance tasks.
Limited business finance features
Despite overlapping with accounting & finance software as a category, Atlantic Money does not position itself as a full finance operations platform. It typically lacks capabilities such as bill pay workflows, approvals, vendor management, reconciliation tooling, or accounting integrations. Businesses needing end-to-end payables/receivables processes may require additional systems.
Geographic and corridor constraints
Availability depends on supported sending countries, destination corridors, and currencies, which can be narrower than larger multi-region payment platforms. Users may find that certain destination countries, payout methods, or local rails are not supported. This can limit suitability for organizations or individuals with diverse international payment needs.
Fewer enterprise controls and APIs
Atlantic Money is primarily an app-led product and may not provide the same level of API access, role-based controls, audit trails, or centralized administration expected by finance teams. This can make it harder to embed payments into existing systems or manage multiple users at scale. Organizations with compliance-heavy requirements may need more robust governance features.
Plan & Pricing
Pricing model: Pay-as-you-go (flat-fee per transfer) Free tier/trial: First transfer free for new sign-ups (promotion shown on site); referral-driven first-transfer-free offers were previously available (see notes). Example costs:
- Standard delivery: £3 / €3 flat fee per transfer (applies up to £/€1,000,000).
- Express delivery (where available): additional 0.1% of the transfer amount.
- Weekend rate options: "Next available rate" — free (rate set when markets reopen); "Last known rate" — 0.1% fee. Discount options: No public volume/commitment discounts published; partner/affiliate programmes exist (contact sales/affiliates page). Notes: Pricing is presented on Atlantic Money’s official site and support docs; referral programme that granted a referral bonus and a free first transfer was announced in 2023 but the referral scheme page on the vendor site shows the referral programme was discontinued as of Jan 10, 2025 for new participants.
