NO FEES until 15 January for first-time users.

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

GBPBritish Pound
NZDNew Zealand Dollar
AUDAustralian Dollar
HKDHong Kong Dollar
SGDSingapore Dollar
ZARSouth African Rand
CADCanadian Dollar
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 1,000 GBP per first-time user
until 15 January 2021. 0.7% to 1.90% fee
applies thereafter.  Terms apply

Learn more about our rates and fees

Why PagoFX is different

A fast and easy way to make international business payments with confidence. Currently available for sole traders, with limited companies coming soon.

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 – and until 15 January there are no fees for first-time users (terms apply).

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.

SME waitlist

Coming soon: Low-cost, secure and easy-to-use international money transfers for limited companies

Thank you for signing up!

Sign up to be the first to know when PagoFX is available for limited companies

Sending form …
You’ll be the first to know once PagoFX is available
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
Business Type
Limited Company


Our most asked questions and answers

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 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 Australia, Bahrain, Bulgaria, Canada, Croatia, the Czech Republic, Denmark, the eurozone, Hong Kong, Hungary, Israel, Kuwait, New Zealand, Norway, Poland, Qatar, Romania, Saudi Arabia, Singapore, South Africa, Sweden, Switzerland, Turkey, and the United States of America. These are the destinations we currently offer, 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.

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 is the no-fee programme for first-time users?

Our no-fee transfer programme is available to all first-time users of the PagoFX mobile app on Android and iOS and website via between 17 September 2020 and 15 January 2021.  PagoFX will waive international money transfer fees on transactions up to a limit of 1,000 GBP per-user. This limit is cumulative – once you submit a single or multiple transactions above the 1,000 GBP limit, PagoFX’s standard fees shall apply on all amounts above the limit.

This means that after reaching the 1,000-GBP transfer limit, we will charge you the following low-cost fees:

  • 0.7% of the sent amount to Australia, Bulgaria , the Czech Republic, the eurozone, Hong Kong, New Zealand, Norway, Singapore, Sweden and Switzerland
  • 0.8% for Canada, Denmark, Hungary, Poland, Romania and the US
  • 1% for Croatia
  • 1.2% for Turkey
  • 1.5% for Israel and South Africa
  • 1.8% for Qatar and Saudi Arabia
  • 1.9% for Bahrain and Kuwait

Read the terms of the programme 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.


I have a limited company. Can I use PagoFX?

Not currently but PagoFX for limited companies is coming soon – you can join the waitlist here to be the first to know when it’s available. This will give limited companies the same low costs, bank-level security and live support with added features like being able to send money on behalf of a company with a corporate debit card.


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