Atlantic Money

Atlantic Money directly competes with Wise by offering international money transfers at the live exchange rate with a flat, transparent fee. They explicitly state they are '10x cheaper than Wise on average' and emphasize their use of the 'live institutional rate' with 'zero markup'. They also highlight fast transfer execution, a mobile app, and regulatory compliance with the FCA. While they offer business accounts, the specific advanced features like multi-currency accounts or borderless debit cards are not explicitly mentioned as part of their core offering, focusing primarily on direct bank transfers.