PagoFX: Send
money abroad
with confidence
and low costs

FCA regulated

Check PagoFX rates

GBPBritish Pound
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 3,000 GBP per user
until 16 August 2020. 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

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

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

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Your information has been updated!
Country of residence
Bosnia and Herzegovina
Czech Republic
Isle of Man
South Africa
United Arab Emirates
United Kingdom
United States


Secure international payments for sole traders, on any device Read more

Secure international payments for sole traders, on any device

We’ve just launched a solution for sole traders, our money transfer service via and we’ve extended our no-fee programme until 16 August 2020

UK customers can now send money to eight more countries Read more

UK customers can now send money to eight more countries

Our UK customers can now send money in eight more currencies across the Middle East and Central and Eastern Europe

Understanding exchange rates – an ultimate guide Read more

Understanding exchange rates – an ultimate guide

We’ve put together an ultimate guide to understanding what exchange rates are, how they are calculated and how we can help

The best apps for sole traders and small businesses Read more

The best apps for sole traders and small businesses

We look at the new generation of the best business apps in the UK designed to make your working life easier and more efficient

Everything you need to know about transferring money abroad Read more

Everything you need to know about transferring money abroad

We’ve put together this comprehensive guide where you can find out everything you need to know about making payments abroad

Can I use my debit card to send money abroad? Read more

Can I use my debit card to send money abroad?

Read our guide to find out if you can use your debit card to send money abroad and whether this is the best option.

Are money transfer apps safe? Read more

Are money transfer apps safe?

If you’re hesitant about using money transfer apps, read our guide on the safety and security of these apps

Why I’m excited about the launch of PagoFX Read more

Why I’m excited about the launch of PagoFX

A message from Chirag Patel, Santander’s EVP Global Head of Payments

Dealing with emergencies abroad Read more

Dealing with emergencies abroad

This article outlines some common problems and the best course of action

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

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

If you’re planning to move to the UK, read our guide on how to write a CV as an expat looking for jobs 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 August 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 to the eurozone, Switzerland, Norway, Sweden, the Czech Republic and Bulgaria; 0.80% for the US, Poland, Denmark, Romania and Hungary; 1% for Croatia; 1.2% for Turkey; 1.5% for Israel; 1.8% for Qatar and Saudi Arabia, and 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?

PagoFX can convert GBP (£) to EUR (€), USD ($), PLN (Polish złoty), CHF (Swiss francs), SEK (Swedish krona), NOK (Norwegian krone), DKK (Danish krone), CZK (Czech koruna), TRY (Turkish lira) , RON (Romanian leu), HUF (Hungarian forint), BGN (Bulgarian lev), HRK (Croation kuna), ILS (Israeli new shekel), QAR (Qatari riyal), SAR (Saudi riyal), BHD (Bahraini dinar), and KWD (Kuwaiti dinar). 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.