/ public sector · UK
Local authorities, NHS trusts, and central departments collectively send over £4bn a year in overseas payments — pensions, contractor settlements, expat allowances, FCDO disbursements. Most run through Convera or correspondent banks at 100–200 bps. There is a cheaper, fully auditable alternative.
Calculator · 01
Take rate is the all-in cost — published fee plus FX spread — expressed as a percentage of notional sent. Enter your authority's current take rate for the most accurate comparison; if you don't know it, use the slider against the published market range.
£2,500,000
110 bps
Published market range: incumbent banks 120–180 · brokers 80–140 · digital providers 55–110.
Annual saving
£195,000
on £30,000,000 of annual overseas volume
Indicative — final rate confirmed at quote.
Incumbent bank frameworks
120–180 bps
Fee plus FX spread on bank-led overseas payment frameworks.
Specialist FX brokers
80–140 bps
Spread-based pricing, typically opaque on emerging-market corridors.
Other leading digital providers
55–110 bps
Lower rates apply to major-currency corridors at scale; emerging markets sit higher.
Atlas Logica AI
from 45 bps
All-in published rate. See Pricing for corridor-level detail.
Methodology: market ranges are indicative, derived from publicly available rate cards, providers' own published transparency calculators, and aggregated reports on UK public-sector overseas spend. Per-client commercial terms vary; we do not represent the rates of any named third party. Atlas Logica's rate is enforced in code and disclosed in full at quote time.
Use cases · 02
Local government
Monthly batches to retirees in Spain, Portugal, France, the Philippines. We file via SEPA Instant where possible, local rails otherwise.
NHS trusts
Salary and expense settlements to clinicians and IT contractors. Reconciliation file matches your finance system on day-one.
Universities
Bulk payments to recipients in Africa and Asia. Beneficiary KYC inline; full audit trail per grant code.
/ pilot
Send us your last three months of overseas payment files. We re-quote every transaction at Atlas Logica rates and return a board-ready savings report — no commitment, no integration required.