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PagoFX: Secure, low-cost international payments
for sole traders

By
Santander
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
EUREuro
USDUS Dollar
exchange rate is
Fee included

FEES WAIVED up to 3,000 GBP per user
until 16 August 2020. 0.7% to 1.9% fee
applies thereafter.  Terms apply

Learn more about our rates and fees

Why choose PagoFX

Giving sole traders a fast and easy way to make international business payments with the confidence that comes from the backing of a global bank

Fits how you do business

There’s no need to change bank accounts – PagoFX works with any UK debit card and stores your payment preferences, and if you need it you can get personal live support

Fast, secure international transfers

Our easy account set up takes just a few minutes and transfers are fast too – often arriving within minutes if sent on a business day before the cut-off time

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 16 August there are no transaction fees

Coming soon for limited companies

Soon limited companies can get the same competitive low costs, bank-level security and personal live support as sole traders and individuals

PagoFX for business waiting list

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

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Business Type
Sole Trader
Limited Company

Support

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 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 the eurozone, the US, Poland, Switzerland, Sweden, Norway, Denmark, the Czech Republic, Turkey, Romania, Hungary, Bulgaria, Croatia, Israel, Qatar, Saudi Arabia, Bahrain and Kuwait. 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?

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 will 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.

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.