Atlantic Money review
Updated October 12, 2026 · VaultCue Editorial Team
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Our verdict
Atlantic Money focuses on movement between ten currencies with delivery straight to recipient accounts. It is an international transfer service for people sending larger sums abroad who want app based management and a choice between standard and express arrival options.
Key facts
- Best for
- Transfers between ten currencies with direct bank delivery
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Live exchange rate with zero markup, standard (a few days) or instant express delivery↗
- Legal entity
- Deel Payments Europe NV↗
- Headquarters
- Belgium↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- atlantic.money
Money transfer
- Transfer fee
- GBP 3 / EUR 3 flat per transfer (0.1% for Express delivery or last-known weekend rate)↗
- Exchange rate markup
- 0%↗
- Delivery time
- Standard: a few days; Express: instant↗
- Payout methods
- Bank↗
- Currencies
- 10↗
- Fee to send 1,000
- £3↗
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Covers movement across ten supported options including US Dollar and British Pound
- Pays funds directly into the recipient bank account
- Offers standard arrival alongside an instant express alternative
- Provides app based handling designed around cross border movement
Cons
- Supports only ten options, which restricts choices for other destinations
Who it suits
- People sending larger sums across borders
- Senders who prefer app based management
- Users who want a choice of arrival speeds
Who should look elsewhere
- People needing currencies beyond the ten supported
- Customers who prefer in person branch service
Safety and regulation
Protection for Atlantic Money activity rests on payment institution permissions granted by named regulators. Oversight from the National Bank of Belgium covers regulated activity, while Deel Payments UK Ltd holds permission from the Financial Conduct Authority under reference 947491. Such frameworks require separation and safeguarding of client balances plus adherence to conduct and operational standards for payment services. Transfers are completed to destination accounts, which keeps the movement within regulated payment channels.
How Atlantic Money compares
Where Atlantic Money is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom
- Licence in Belgium
- National Bank of Belgium (0783.476.423), checked September 26, 2026
- Licence in United Kingdom
- Financial Conduct Authority (947491), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Which currencies can be sent through Atlantic Money?+
The service supports transfers between ten supported currencies, including US Dollar and British Pound. Funds arrive directly in the destination account. The range focuses on commonly used pairings for cross border senders rather than broad global coverage.
How quickly do transfers arrive?+
The standard option completes after a few days, while the express alternative completes instantly. Both options pay directly to the chosen account. The choice lets senders easily match urgency with the appropriate delivery path.
What regulatory protections apply to customers?+
Authorisation comes from the National Bank of Belgium for payment institution activity. Deel Payments UK Ltd also holds permission from the Financial Conduct Authority under reference 947491. Such permissions impose safeguarding and conduct requirements for handling payment flows.
How does the app based service work?+
The service is managed through an app built for moving funds across borders. Senders set up the transfer inside the app and nominate the destination account. The provider then completes conversion through institutional connections and delivers to that account.
Which company operates Atlantic Money?+
Atlantic Money is operated by Deel Payments Europe NV. (Source, checked September 26, 2026)
How can I contact Atlantic Money support?+
Atlantic Money offers support through Email, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- atlantic.money checked September 26, 2026
Backs: Access terms, Currencies, Delivery time, Exchange rate markup, Payout methods
“This is the live institutional rate that we receive passed directly to you. We don't mark up this rate.”
- atlantic.money/eu/en/about checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Licences
“Deel Payments Europe NV is authorised and regulated by the National Bank of Belgium as a payment institution (unique identification number: 0783.476.423).”
- support.atlantic.money/en/support/solutions/articles/1010... checked September 26, 2026
Backs: Pricing model, Support channels, Transfer fee, Fee to send 1,000
“We charge a flat £3 / €3 fee per transfer, and we'll always give you the live exchange rate. This means that no (absolutely zero) additional fees are hidden in our exchange rate.”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Term, Minimum deposit.