Frequently Asked Questions

You will first have to register with us! We will then send you an email to activate your online account. Upon activating your online account you can start sending money to almost any bank account in many country securely – although some restrictions do apply.

You just need the bank account details (such as the SWIFT BIC number and/or IBAN number – depending on the country of the recipient.)

Yes, you will need to register with us to use our service. This will only take a minute and it is FREE ! There is no obligation to use our service.

Once you have registered, you can send up to around GBP 900 or EUR 1000 to most countries we serve.

To send more, and to allow a wider list of countries and payment methods you will need to verify your account with ATL Money Transfer.

You need to transfer a minimum amount of £10 or the equivalent in your currency.

Once you have registered, you can send a maximum amount of GBP 900 or EUR 1000 per year before account verification.

Once you have verified your ATL account you will be able to send up to £10,000 per transaction online via Bank Transfer and a maximum amount of £5,000 via card. However, you can make more than one card payment a day.

Verify your ATL account

In the beginning, your ATL account is not verified. Verifying means, for the client, that he/she benefits from several advantages of our services as well as improves the security of his/her account.

In order to verify your account we need (i) one proof of identity (i.e. Passport, National ID card, EU national resident permit, or EEA photo card driving license)

and(ii) one proof of address (.i.e Utility bill (British Gas, Electricity or Bank Statement), Local authority tax bill, correspondence from HM Revenue & Customs)

Depending how long your funds take to reach us (BACS/CHAPS/Debit or Credit card). Once your funds have been received and cleared, we will send out the required currency to the recipient’s bank account within the day if it is before the cut off time.

However, bear in mind different currencies and time zones vary the time for the funds to reach and be cleared by the designated bank.

Most currency transfers can take up 2 to 3 days to be cleared and arrive in the designated bank account. You will receive a confirmation when we have sent out your funds.

ATL money transfer is an Independent commercial foreign exchange provider. This means that we buy the currency in bulk from the market at "wholesale rates" and then pass on the price benefit to our clients. This could mean a saving from a hundred to several thousand pounds (depending on the amount you purchase). ATL money transfer provides you foreign exchange at "commercial rates" as opposed to "tourist rates" that you get from your high street banks.

Yes you can. There is a small charge of 0.50% for using a GBP Debit Card, but with a Credit Card we charge 3% for processing

We currently do provide a cash pickup service at certain country destinations at the moment. Please click here for details of our pick up location per country.

These can vary depending on the designated country and due to compliance checks. The majority of transfers you will need your recipient’s bank account details and the bank SWIFT/IBAN code.

Once your transaction is confirmed, we cannot amend your beneficiary details for security reasons. We recommend that you cancel your transaction immediately and create a new one with the correct beneficiary details. You can also create a new recipient with new details and delete the wrong one from your dashboard: "Manage recipients"

In order for us to process your transaction and send money to your beneficiary, we need to receive your payment first.

You can pay us with via these methods:

  • a. Bank transfer
  • b. Debit or credit card
  • c. SOFORT

These payment methods must be registered under the name of the ATL account holder.

Please note that we don’t have access to your bank account. Therefore we are not able to automatically charge your bank account.

a. Bank transfer:

When you choose to pay by bank transfer, we need to receive your funds in our account before we can process the payment to your beneficiary. You will receive ATL's bank account details in your confirmation email at the end of the transaction. With these details, you can process your bank transfer from your internet banking or directly from your local branch

We have bank accounts in many European countries so you will need to process a “local bank transfer”. If you live in Europe, you can also process your payment to our UK bank account. In this case, you need to process a SEPA bank transfer.

In general, local bank transfer and SEPA transfer are free. However, some banks can charge you to process a bank transfer. We advise you to process your bank transfer using your online banking platform.

You will receive an email once we have received your money.

We usually receive your deposit on the same day but it could take longer according to the currency sent. For instance, GBP transfers arrive within a few working hours, but Euro transfers can take 1-2 working days.

b. Debit or credit card:

If you choose to pay by debit or credit card, you will need to process your payment online. We will ask some standard information about the card (card number, CVC, expiry date etc.). If the payment is successful, we confirm the transaction immediately.

Please note that maximum amount for card payments on ATL's plateform is £5,000. You can make more than one card payment per day

How much does it cost?


It varies from 0% to 2% depending on the issuing country


It varies from 2.5% to 4% depending on the issuing country

Please note the name on your credit/debit card must be the same as on your ATL's account name.


SOFORT banking is an online direct payment method which allows you to make a bank transfer without logging in to your internet banking. When you pay us using SOFORT, we have the guarantee you made your bank transfer. We don’t need to wait to receive your money before we pay your beneficiary. The transfer is instant and you save time!

SOFORT is available in Austria, Belgium, Czech Republic, France, Germany, Hungary, Italy, Netherlands, Poland, Slovakia, Spain, Switzerland, UK

SOFORT payments are only available on transfers under €10,000

The fees are £8.00/€10.00 for any amount

To pay by SOFORT, select it as payment method when you set up your transfer.

Then you will be taken to SOFORT’s payment system. From there, simply log into your bank account, and follow the steps onscreen.

Once your bank transfer is processed by SOFORT and your transaction is confirmed, you will receive a transaction confirmation by email and we will send the money to your beneficiary.

You can cancel your transaction if your deal status is 25%.

If your deal status is 50%, it means that your deal is booked and we have already purchased the currency.

If you still want to cancel your transaction, please email us at or call us on +44 20 3137 8850. Please note that a charge may be applied to cover the loss of this booking.

If you have sent us your money but your payment has not been processed yet, please check your emails (or junk emails) before contacting us. We will try to contact you if we need further information to send your money to your beneficiary.

If not, please email us at or call us at +44 20 3137 8850

No, we do not and cannot take funds from your bank account. Rather you must direct them to us. We simply facilitate the exchange and transfer of funds to your Payee.

Your money is always safe. All funds are held in our UK client's bank accounts. These accounts are segregated in line with FCA regulations and have been developed to protect client funds in the unexpected event of fraud or bankruptcy. This means that your money is always secure.

This system is work with most current browsers with no special requirement. In case you are facing any issues, please contact us.

ATL's website is highly secured. We use industry highest technology to keep your information safe. The system is as safe as banks online systems.

ATL automatically encrypts your confidential information in transit from your computer to ours using the Secure Sockets Layer protocol (SSL) with an encryption key length of 256-bits (the highest level commercially available).

Once your information reaches ATL website, it resides on a server that is heavily guarded and secured. ATL's servers sit behind an electronic firewall and are not directly connected to the internet, so your private information is available only to authorised computers.