NO FEES until 15 January for first-time users.

PagoFX: Send
money abroad
with confidence
and low costs

FCA regulated

Check PagoFX rates

GBPBritish Pound
NZDNew Zealand Dollar
AUDAustralian Dollar
HKDHong Kong Dollar
SGDSingapore Dollar
ZARSouth African Rand
CADCanadian Dollar
KWDKuwaiti dinar
BHDBahraini dinar
SARSaudi Arabian Riyal
QARQatari Riyal
ILSIsraeli Shekel
AEDUnited Arab Emirates Dirham
HRKCroatian Kuna
BGNBulgarian Lev
HUFHungarian Forint
RONRomanian Leu
TRYTurkish lira
PLNPolish Zloty
CHFSwiss Franc
CZKCzech Koruna
DKKDanish Krone
NOKNorwegian Krone
SEKSwedish Krona
GBPBritish Pound
USDUS Dollar
Fee included

FEES WAIVED up to 1,000 GBP per first-time user
until 15 January 2021. 0.7% to 1.90% fee
applies thereafter.  Terms apply

Learn more about our rates and fees

Why PagoFX is different

Bank-level security, low costs and live support brought together in an easy-to-use service

Backed by Santander, open to everyone

No matter who you bank with, you can make international payments with PagoFX. Now individuals and sole traders can enjoy the reliability that comes with the backing of a global bank.

Crystal-clear costs for all

We give every customer a competitive rate – every time – and always show you a full cost breakdown before you press send, so no nasty surprises.

Security taken care of

We’re comitted to rigorous standards when it comes to financial and data protection. PagoFX is regulated in the UK by the Financial Conduct Authority as an authorised payment institution.

Easy to use, with expert live support

Got a question? We’ll put you in touch with a real person. Our expert team is available via in-app and web chat or email – getting help is now as simple as saying ‘hello’.

PagoFX for business

An easy way for sole traders to make secure, dependable and low-cost international payments

Fits into how you do business  

You can use any UK debit card with PagoFX – it’s simple to set up and stores your payment preferences

Transparency and speed

Set up payments in seconds and always see  exactly what you pay in  fees and  the real-time  exchange rate  you get  before you press send

Protection and peace-of-mind

Backed by one of the world’s leading banks,  PagoFX  gives you  confidence with bank-level security

Get support from real people  

If you’ve got a question you can get an answer from a dedicated member of the PagoFX team – easily available in both the app and web service

Or be the first to know when PagoFX is available in your country

Thank you for signing up!

Currently available to UK residents only

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Country of residence
Bosnia and Herzegovina
Czech Republic
Isle of Man
South Africa
United Arab Emirates
United Kingdom
United States


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Our most asked questions and answers

What is PagoFX?

PagoFX is an international money transfer service backed by Santander – available via our mobile app and website. Individuals and sole traders who are UK residents can easily send money abroad with bank-level security, low costs and excellent customer support.

We’ll soon be making PagoFX available for limited companies. Join our waiting list now.

How does the no-fee programme for first-time users work?

Our no-fee transfer programme is available to all first-time users of the PagoFX mobile app on Android and iOS and website via between 17 September 2020 and 15 January 2021. PagoFX shall waive international money transfer fees on transactions up to a limit of 1,000 GBP per-user. This limit is cumulative – once you submit a single or multiple transactions above the 1,000 GBP limit, PagoFX’s standard fees shall apply on all amounts above the limit.

This means that after reaching the 1,000-GBP transfer limit, we will charge you the following low-cost fees:

  • 0.7% of the sent amount to Australia, Bulgaria, the Czech Republic, the eurozone, Hong Kong, New Zealand, Norway, Singapore, Sweden and Switzerland
  • 0.8% for Canada, Denmark, Hungary, Poland, Romania and the US
  • 1% for Croatia
  • 1.2% for Turkey
  • 1.5% for Israel and South Africa
  • 1.8% for Qatar and Saudi Arabia
  • 1.9% for Bahrain and Kuwait

Read the terms of the programme here.

Where is PagoFX available?

PagoFX is currently available in the UK only. Our launch in other European countries will follow within 2020.

Our mobile app is available for download on the App Store or Google Play and customers can also access our service through

Where can I send money?

You can send money from the UK (GBP) to bank accounts in the following countries with PagoFX:

  • Australia (AUD)
  • Bahrain (BHD)
  • Bulgaria (BGN)
  • Canada (CAD)
  • Croatia (HRK )
  • Czech Republic (CZK)
  • Denmark (DKK)
  • Eurozone countries (EUR)
  • Hong Kong (HKD)
  • Hungary (HUF )
  • Israel (ILS )
  • Kuwait (KWD )
  • New Zealand (NZD)
  • Norway (NOK )
  • Poland (PLN )
  • Qatar (QAR )
  • Romania (RON )
  • Saudi Arabia (SAR)
  • Singapore (SGD)
  • South Africa (ZAR)
  • Sweden (SEK )
  • Switzerland (CHF)
  • Turkey (TRY )
  • United States of America (USD)

We are working hard to add more currencies soon.

What exchange rate will I get?

PagoFX gives you real-time, mid-market exchange rates, similar to those found in public sources such as Google, Bloomberg, Reuters, among others. This ensures that you have the fairest rate possible without any mark-ups on foreign exchange.