Real Transfer

What Real Transfer does

Real Transfer Limited is an Ireland-registered private company (CRO 393733), founded in 2004 and headquartered in Gort, County Galway, that specialises in international money transfers and payment services. The company targets the Brazilian and Portuguese-speaking diaspora living in Ireland, providing a means to send remittances to Brazil, Europe, and more than 50 countries worldwide. It is privately held, employs between 51 and 100 people, and operates its Irish business as an authorised agent of Jubilee Services Sprl, a Belgian entity regulated by the National Bank of Belgium under Payment Services Regulations 2017 — a structure that provides its regulatory passport into the EEA payments market.

The company's product portfolio centres on a self-service online transfer system (realtransferonline.com) and native iOS and Android applications, complemented by a physical branch in Gort, a call centre operating six days a week with WhatsApp support, and a network of authorised agents. Core technical infrastructure integrates SWIFT and IBAN connectivity through banking partnerships with Bank of Ireland and AIB, supports card-based funding via VISA, Mastercard, and Maestro, and operates under a segregation-of-duties policy for exchange-rate and payment-processing functions, with an anti-money-laundering compliance programme covering employee training and fraud detection. A minimum transfer size of 25 EUR applies, and customers can choose between a 24-hour fast transfer and a 48-hour standard transfer priced more favourably on FX.

Real Transfer monetises almost exclusively through the foreign-exchange spread embedded in each transaction rather than an explicit transfer fee; exchange rates fluctuate throughout the day. The go-to-market motion is community-driven: customer acquisition relies on word-of-mouth within the Brazilian diaspora, face-to-face onboarding at the Gort branch, registration by post with certified documents, or online registration approved by head office, after which return customers can self-serve via the online system. Marketing channels include a bilingual (Portuguese/English) website, Facebook presence, the mobile apps, and the branch/agent network, with the overall commercial strategy emphasising credibility, security, and speed as competitive differentiators within a narrow but loyal community segment.

Name

Real Transfer

Legal name

Real Transfer Limited

Website

https://realtransfer.ie

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

51–100 employees

Short description

Real Transfer Limited is an Ireland-registered money transfer and payments company serving the Brazilian and Portuguese-speaking diaspora in Ireland with remittances to 50+ countries, operating a multi-channel model (web, mobile apps, branch, agents, call centre) and monetising through FX spread under Belgian National Bank supervision via Jubilee Services Sprl.

Ownership category

akta.pro rank

Product category

Cross-border Money Remittance

akta.pro primary industry

Cross-Border Payments & FX (multi-currency wallets, DCC, remittance) (THALAHAE)

akta.pro secondary industries

Cross-Border Card-Based Transfers & Multi-Currency Cards (FSAGAKAE), Domestic Wire Transfer Processing (FSAMAHAA)

Keywords

• International money transfers
• Cross-border remittances
• Foreign exchange services
• Diaspora payment solutions
• Online remittance platform

Headquarters

HQ city

Galway

HQ country

Ireland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Money Transfer Fees: Charges for money transfer services. The company mentions no transfer fee but earns revenue through exchange rate margins.
2. Foreign Exchange Spread: Revenue generated from the difference between exchange rates offered to customers and rates received by the company. Exchange rates are variable and change throughout the day.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Real Transfer provides international money remittance and payment services, enabling individuals — primarily the Brazilian and Portuguese-speaking diaspora in Ireland — to send funds to Brazil, Europe, and over 50 destinations worldwide. Transfers are processed through a proprietary online platform and mobile apps, supported by a physical branch and call centre, with 24-hour fast and 48-hour standard delivery options. The company is monetized through foreign exchange spreads rather than upfront transfer fees.

Product overview

Real Transfer is a specialized international money transfer and payment services company operating a multi-channel service model. The core offering consists of the Real Transfer Online System (web-based transfer platform) and Real Transfer Mobile App (iOS/Android), which enable customers to send remittances to Brazil, Europe, and 50+ countries worldwide. These digital channels are supported by a physical Branch Network and Call Centre Service for in-person registrations, document verification, and customer assistance. The company provides two primary transfer products: Money Remittance Service (direct transfers to recipients) and Foreign Exchange Plus Onward Transfer (currency conversion plus fund transmission). Transfers are available in fast (24-hour) and standard (48-hour) options, with no transfer fees and competitive exchange rates.

Differentiator

Problem solved

Functional benefit

Products and services

• Real Transfer Online System

Quantifiable outcome

• 24-hour transfer delivery for fast option
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Market position

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/facebook

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Real Transfer