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wdaareg

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Show HN: 99% cheaper international business transfers – fixed fee, real rate

atlantic.money
62 points·by wdaareg·3 anni fa·76 comments

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

atlantic.money
182 points·by wdaareg·4 anni fa·212 comments

comments

wdaareg
·3 anni fa·discuss
We weren't aware of this, actually. Did our initial launch like this as well one year ago to get decent feedback. Noted for the future, thank you!

I can't change my old profile name, but I have added some context in my "About".
wdaareg
·3 anni fa·discuss
We don't offer USD pay-ins atm but we are working on them.
wdaareg
·3 anni fa·discuss
We don't do same currency transfers.
wdaareg
·3 anni fa·discuss
There is not "the one" exchange rate. But ours matches with Google or Wise and we never make any hidden profit on it.

Compare for yourself: https://atlantic.money/wise
wdaareg
·3 anni fa·discuss
thanks!
wdaareg
·3 anni fa·discuss
Flat fixed fee and the current exchange rate. Compare against Wise for better understanding: https://atlantic.money/wise
wdaareg
·3 anni fa·discuss
We are actually working on it.
wdaareg
·3 anni fa·discuss
We are licenced and regulated by the FCA in the UK and the NBB in the EU – two trusted financial authorities that also regulate Wise. We therefore have to meet the expected high standards both authorities require from us, especially in terms of KYC&AML.
wdaareg
·3 anni fa·discuss
When you change an entire sector, it is always met with a lot of scepticism at first. But 99% is nothing but the truth, especially since Wise and Revolut increased their prices for biz transfers. Check out our Wise comparison we created to demonstrate the difference: https://atlantic.money/wise

Further, we are profitable on every transfer with Atlantic Money. Our whole infrastructure is built on a different concept, which is why Wise and Co. also cannot offer transfers for the same price without losing it all.

To give you a proof of our work: We transferred £160m ($200m) in our first year for private users, 16x what Wise sent back then.
wdaareg
·3 anni fa·discuss
You got it right.
wdaareg
·3 anni fa·discuss
Web app is in the making!
wdaareg
·3 anni fa·discuss
Web app is in the making!
wdaareg
·3 anni fa·discuss
Thank you. Happy that you are happy (with one exception). And the good news: The banks have now understood who we are.
wdaareg
·3 anni fa·discuss
Thank you for the feedback, much appreciated and will be considered!

Please note that our web app is in the making. So soon this won't be an issue anymore.

To prevent our users to "get caught up in some KYC nightmare" we – in contrast to Wise and Revolut – only allow your transfer after we checked and approved your documents. This minimises the risk of holding your money.

Cheers
wdaareg
·3 anni fa·discuss
When you change an entire sector, it is always met with a lot of scepticism at first. But 99% is nothing but the truth, especially since Wise and Revolut increased their prices for biz transfers. Check out our Wise comparison we created to demonstrate the difference: https://atlantic.money/wise

Further, we are profitable with Atlantic Money on every transfer. Our whole infrastructure is built on a different concept, which is why Wise and Co. also cannot offer transfers for the same price without losing it all.

To give you a proof of our work: We transferred £160m ($200m) in our first year for private users, 16x what Wise sent back then.
wdaareg
·3 anni fa·discuss
Thank you for your feedback, will be considered! Web app is in the making, so we are happy to welcome you soon on board.

And say no more about the Wise comparison: https://atlantic.money/wise
wdaareg
·3 anni fa·discuss
We hold licences in the UK and the EU and are therefore available in 29 countries throughout Europe.
wdaareg
·4 anni fa·discuss
I would be interested to learn more about why you're unable to transfer money directly between those two accounts!
wdaareg
·4 anni fa·discuss
We sure do! We're actively working on our EU license and that will enable inbound EUR payments for UK residents, plus EU residents will be able to use the service. We can't wait to expand further.
wdaareg
·4 anni fa·discuss
We're absolutely working on expanding our network over time, and CHF is on the list