Arc-rain

Our Purpose

Arc-rain was established to address a gap we observed in how consumers and businesses understand cash withdrawal costs. While banks provide terms and conditions, the practical implications of fee structures often remain opaque.

We provide analytical services that translate complex fee arrangements into actionable insights. Our work helps clients see clearly what they are paying and why, enabling them to make informed choices about their banking relationships.

We do not sell financial products or receive commissions from banks. Our revenue comes solely from the consulting services we provide, ensuring our recommendations remain independent.

Our Values

Principles that guide our work with every client

Transparency

We believe in making the complex understandable. Every fee, every charge, every potential cost should be visible and explainable.

Independence

We maintain no partnerships or referral arrangements with financial institutions. Our advice serves only one interest, that of our clients.

Practicality

Insights without implementation are incomplete. We focus on recommendations that clients can realistically act upon.

Professional consultant in modern office setting

Our Background

The team behind Arc-rain brings experience from banking operations, consumer advocacy, and financial analysis. We have seen first hand how fee structures develop and how they affect everyday transactions.

That perspective informs our approach. We understand both the institutional logic behind pricing and the real impact on individuals and businesses who simply want fair access to their own funds.

Based in London, we serve clients throughout the United Kingdom through both in-person consultations and remote advisory services.

Our Team

Dedicated professionals committed to fee transparency

Richard Hayes

Founder and Lead Consultant

Emma Clarke

Business Advisory Specialist

Marcus Thompson

Research Analyst

About Arc-rain