Bank-level security, low costs and live support brought together in an easy-to-use serviceLearn more
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.
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.
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.
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’.
Sign up for free using your email address and select whether you are an individual or sole trader. Coming soon for limited companies
To securely verify your identity, upload your ID and take a selfie
Select your currency and start making international payments with NO FEES until 16 August 2020
An easy way for sole traders to make secure, dependable and low-cost international paymentsSign up now
You can use any UK debit card with PagoFX – it’s simple to set up and stores your payment preferences
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
Backed by one of the world’s leading banks, PagoFX gives you confidence with bank-level security
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
We’ve just launched a solution for sole traders, our money transfer service via PagoFX.com and we’ve extended our no-fee programme until 16 August 2020
Our UK customers can now send money in eight more currencies across the Middle East and Central and Eastern Europe
We’ve put together an ultimate guide to understanding what exchange rates are, how they are calculated and how we can help
We look at the new generation of the best business apps in the UK designed to make your working life easier and more efficient
We’ve put together this comprehensive guide where you can find out everything you need to know about making payments 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.
If you’re hesitant about using money transfer apps, read our guide on the safety and security of these apps
A message from Chirag Patel, Santander’s EVP Global Head of Payments
This article outlines some common problems and the best course of action
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
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.
Our no-fee transfer programme is available to all registered UK users of the PagoFX mobile app on Android and iOS and website via PagoFX.com 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.
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.
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.