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Make low-cost, secure international payments when it matters
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 committed 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’.
Testimonials
Getting started with PagoFX
Step 1 – Sign up
Sign up for free using your email address and choose between a personal or a business account
Step 2 – Verify your ID
To securely verify your identity, upload your ID and take a selfie
Step 3 – You’re ready to go!
Select your currency and start making international payments
Support
Our most asked questions and answers
What is PagoFX?
PagoFX is an international money transfer service backed by Santander – available in the UK via our mobile app and website. Individuals and small businesses can easily send money abroad with bank-level security, low costs and excellent customer support.
Where is PagoFX available?
PagoFX is currently available in the UK, Belgium and Spain.
Our mobile app is available for download on the App Store or Google Play and customers can also access our service through PagoFX.com.
Where can I send money?
You can send money from the UK (GBP) to bank accounts in the following countries with PagoFX:
- Argentina (ARS)
- Australia (AUD)
- Bahrain (BHD)
- Brazil (BRL)
- Bulgaria (BGN)
- Canada (CAD)
- Colombia (COP)
- Croatia (HRK )
- Czech Republic (CZK)
- Denmark (DKK)
- Dominican Republic (DOP)
- Eurozone countries* (EUR)
- Hong Kong (HKD)
- Hungary (HUF)
- India (INR)
- Israel (ILS)
- Kuwait (KWD)
- Mexico (MXN)
- Morocco (MAD)
- New Zealand (NZD)
- Norway (NOK)
- Peru (PEN)
- 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.
*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.