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PagoFX is a secure, fast and low-cost way to make international payments for your business, backed by a global bank

Always transparent,
always low-cost

See the real-time, mid-market exchange rate and any fees upfront – so you know exactly what your transfer will cost.

See how we calculate our low costs

Online Business Academy

Running an online-only business or looking to start one? Here’s what you need to know to start, run and grow your business.

Why PagoFX is different

A fast and easy way for small businesses to make international payments with confidence. Available for sole traders and limited companies.

Register for PagoFX

Our easy, automated account set up takes just a few minutes and there’s no need to bank with Santander – PagoFX works with any UK debit card and stores your payment preferences.

Live exchange rates and transparent low costs

We’ll always give you the real-time, mid-market exchange rate with no added mark-up before you press send.

Fast, secure international transfers

Transfers are fast – often arriving within minutes if sent on a business day before the cut-off time, and you can instantly generate receipts.

Peace of mind and live expert support

Backed by Santander, one of the world’s leading banks, PagoFX gives you confidence with bank-level security and dedicated live customer support.


Our most asked questions and answers

What small businesses can use PagoFX?

We currently offer our services to sole traders based in the UK, and limited companies (Ltd) registered in the UK and registered as active in Companies House.


I have a limited company (Ltd). How do I set up a PagoFX business account?

If you are a director of a UK-registered limited company, you can create a PagoFX account and make payments on behalf of your business. Only active directors of the company can complete the registration process and operate a business account with PagoFX.

We use Companies House to verify the business details you provide, so please make sure that your company is registered as active, and that your details there are up-to-date.

First, click on the “Sign Up” button and choose “Business” and then “Company” on the registration screen. Follow the steps to search for your company, and select yourself from the list of directors. We will ask you to supply your personal details, and some additional information, including the annual amount that you expect to send.

I am not a director of the company, can I create an account?

No, we need an authorised representative to register and operate the account on behalf of the company. Only active directors can sign up. As we validate the information provided with Companies House, please ensure the director setting up the account is also listed as active in Companies House.

I have a personal PagoFX account and I want to set up a business account as a company. Is this possible?

Yes, you can have both, but you need to use different emails for each. To be able to set up a business account and operate on behalf of the company, you need to be an active director.

What information do I need to provide as a limited company?

A director of the company can sign up in their name and use the account to send money abroad on behalf of the company. We require the following information during registration:

Director’s details:

  • Full name
  • Date of birth
  • Phone number
  • Nationality
  • Address

Company information:

  • Company Name
  • Company Registration number
  • Industry
  • Where the company operates
  • Annual expected amount to send (as estimation)
  • Confirmation on other directors and Ultimate Beneficial Owners (UBOs). The UBO of a company is any individual that has greater than 25% of that company’s shares or voting rights.

Can more than one user operate a business account?

At the moment we only allow one user per business account.

Can I use PagoFX on my desktop and mobile devices?

Yes – though you need to sign up through our website. Enter your details online and make sure you choose ‘Business’ as your account type. Once you’ve signed up, you can use both the web service at PagoFX.com or the PagoFX mobile app. The app is available for iPhone and Android devices and can be downloaded from the App Store or Google Play now.

What countries can I send money to, and when will it get there?

From the UK, you can transfer money to bank accounts in more than 50 countries, with plenty more to come soon.

PagoFX payments can arrive as fast as within minutes, if sent on a business day before cut-off time and for certain destinations. We process transactions the same day, unless the transaction is submitted after the cut-off point (which means after a given time, your payment will be processed the next business day). Cut-off points vary depending on the currency you are sending. Read more on cut off times here.


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.



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