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Commerce · March 9, 2022

World’s first £3 flat fee (0% FX markup) money transfer service

Good morning everyone! My co-founder and I recently moved to the UK after working at Robinhood for over 5 years. We were stunned at the fees it was costing us to move money across borders with existing fintech solutions, so we decided to start Atlantic Money - the world’s first fixed fee (with no FX markup) money transfer product. For £3 you can transfer up to £1M. Let us know if you have any questions!

World’s first £3 flat fee (0% FX markup) money transfer service launched on March 9, 2022 with 182 votes, #148 of 3,153 launches that month and more than 95% of that year's launches. The site was still online in September 2026, 4 years on.

Visit atlantic.money ↗Alternativestop 5% of March 2022

In plain words

Atlantic Money is a cross-border money transfer service that charges a flat £3 fee with no foreign exchange markup, allowing users to transfer up to £1 million per transaction. Founded by former Robinhood employees, it is designed for people who need to send money internationally without incurring the high hidden fees charged by traditional fintech solutions. The service stands out for its transparent, fixed-price model that applies regardless of transfer amount.

written from the facts on this page · September 2026

From the sources

With a flat £3 fee, always the live exchange rate, and an app designed just for you, moving money across borders has never been so easy.

With a flat £3 fee and the live exchange rate, moving money across borders has never been so easy. This is the live institutional rate that we receive passed directly to you. We don’t mark up this rate. Learn more . We have established direct connections with major institutional FX providers, enabling us to offer highly competitive exchange rates. Always at the live rate, with zero markup. You’ll save up to 99% compared to any other money transfer company. We’ll deliver your funds directly to your recipient’s bank account. Standard delivery takes just a few days. And we’ve got instant delivery when you need it. We’re authorised as a payment institution by the FCA. Deel Payments UK Ltd is…from atlantic.money

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