PagoFX: Send
money abroad
with confidence
and low costs

FCA regulated

Check PagoFX rates

GBPBritish Pound
PLNPolish Zloty
CHFSwiss Franc
CZKCzech Koruna
DKKDanish Krone
NOKNorwegian Krone
SEKSwedish Krona
GBPBritish Pound
USDUS Dollar
Fee included

FEES WAIVED up to 3,000 GBP per user
until 16 June 2020. 0.7% to 0.8% 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

Learn more

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

Sign up now

Coming soon for limited companies – join the list!

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

Download PagoFX for iOS or Android

Currently available to UK residents only

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

Sending form …
You’ll be the first to know once PagoFX is available
Country of residence
Bosnia and Herzegovina
Czech Republic
Isle of Man
South Africa
United Arab Emirates
United Kingdom
United States


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Why I’m excited about the launch of PagoFX

Truly, the best of both worlds At Santander, we’re always looking for ways to make banking better. That’s why we founded PagoFX, a new mobile app for low-cost money transfer, backed by Banco Santander. And I am really excited for the team to finally launch last April. The new service aims to revolutionise foreign exchange […]

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Dealing with emergencies abroad

Being abroad can open up new life experiences, but it’s important to remember that sticky situations can arise – for example, you may run out of cash or even have a medical emergency. These situations are stressful but don’t lose hope in finding a solution. This article outlines some common problems and the best course of action.  The first rule of what to do when abroad – whether for […]

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Getting a job in the UK: An expat’s guide to writing your CV

Wanting a job in the UK, but not sure how best to grab the employer’s attention? Read our guide on how to write a CV for jobs in the UK. Moving into a new job market can be a challenge for anyone but the reward of finding a job you love makes the effort worth it. […]

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Can I transfer money on a weekend?

If you need to know when your money will be sent during a weekend, read our guide to sending money on a Saturday or Sunday

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How to support friends and family abroad

When friends and family are overseas, there are many things that can be done to support each other even when there’s a lot of physical distance between you

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The best money management apps in the UK

Money management apps are useful for getting your personal finances in order. Discover the UK’s top budgeting apps and find one that’s right for you

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Supporting you during the coronavirus pandemic

To support your loved ones during these uncertain times, PagoFX is waiving fees on international money transfers from the UK until 16th June

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Welcome to PagoFX

Get to know more about PagoFX through our CEO, Cedric Menager

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Santander launches PagoFX in the UK to offer fast, secure and low-cost international transfers with no fees for two months

Banco Santander today announced the launch of PagoFX, a low-cost international money transfer service, in the UK


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 work?

Our no-fee transfer programme is available to all registered UK users of the PagoFX mobile app on Android and iOS and website via until 16 June 2020. PagoFX shall waive international money transfer fees on transactions up to a limit of 3,000 GBP per-user. This limit is cumulative – once you submit a single or multiple transactions above the 3,000 GBP limit, PagoFX’s standard fees shall apply on all amounts above the limit.

This means that after reaching the 3,000-GBP transfer limit, we will charge you a low-cost fee of 0.70% of the sent amount for transfers to the eurozone, Switzerland, Norway, Sweden and the Czech Republic. For transfers to the US, Poland and Denmark, our fee is 0.80% of the sent amount.

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?

From the UK, you can transfer money to bank accounts in the Eurozone, the US, Poland, Switzerland, Sweden, Norway, Denmark and the Czech Republic. These are the destinations we currently offer, with plenty more to come soon.

Eurozone countries are Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia and Spain.

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.