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Send money abroad with confidence
and low costs

FCA regulated

Why PagoFX is different

Low costs, live support and the backing of a major bank

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’.

Make low-cost, secure international payments when it matters


Really intuitive money transfer app. Makes it really easy to send money abroad. Love that it is backed by a major bank for the security of my money. Others don’t have this. Love it.  

Excellent customer service! App is straightforward and works really well! 

Very happy to recommend, the security checking was reassuring.

Did what I needed – quick, easy and cheap. I downloaded the app and was able to make my payment in minutes. Big thumbs up. 

Quick and easy. Love that it’s by a bank, security is always a big concern for me. Trust goes a long way. 


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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)
  • Bulgaria (BGN)
  • Canada (CAD)
  • Colombia (COP)
  • Croatia (HRK )
  • Czech Republic (CZK)
  • Denmark (DKK)
  • Dominican Republic (DOP)
  • Ecuador (USD)
  • 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)

You can also send money to other bank accounts in the UK.

Payments to Brazil are currently suspended.

*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.