Download now on the App Store and Google Play
Why PagoFX is different
Bank-level security, low costs and live support brought together in an
easy-to-use app
Backed by Santander, open to everyone
No matter who you bank with, you can make international payments with PagoFX- now everyone 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 Belgium by the National Belgian Bank 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’.
Testimonials
Getting started with PagoFX
Step 1 – Sign up
Download the app for free using your email address.
Step 2 – Verify your ID
To securely verify your identity, upload your ID and take a selfie
Step 3 – You’re ready to go!
Select your currency and start making international payments
Support
Our most asked questions and answers
What is PagoFX?
PagoFX is an international money transfer service backed by Santander Bank and available via our mobile app for iPhones and Android devices. Belgian residents can easily send money abroad with bank-level security, low costs and excellent customer support.
How does the no-fee programme for first-time users work?
Our no-fee transfer programme is available to all first-time Belgium users of the PagoFX mobile app on Android and iOS between 14 October 2020 and 15 January 2021. PagoFX shall waive international money transfer fees on transactions up to a limit of €1,000 per-user. This limit is cumulative – once you submit a single or multiple transactions above the €1,000 limit, PagoFX’s standard fees shall apply on all amounts above the limit.
This means that after reaching the €1,000 transfer limit, we will charge you the following low-cost fees:
- 0.50% of the sent amount for the eurozone
- 0.90% for Australia, Canada, the Czech Republic , Hong Kong, New Zealand, Singapore, Sweden, Switzerland and the UK
- 1% for Bulgaria, Denmark, Hungary, Norway, Poland and the US
- 1.1% for Bahrain and Romania
- 1.3% for Croatia and Turkey
- 1.5% for Kuwait and Saudi Arabia
- 1.7% for South Africa
- 1.88% for United Arab Emirates and Israel
Read the terms of the programme here.
Where is PagoFX available?
Where can I send money?
You can send money from Belgium (EUR) to bank accounts in the following countries with PagoFX:
- Australia (AUD)
- Bahrain (BHD)
- Bulgaria (BGN)
- Canada (CAD)
- Croatia (HRK )
- Czech Republic (CZK)
- Denmark (DKK)
- Eurozone countries (EUR)
- Hong Kong (HKD)
- Hungary (HUF )
- Israel (ILS )
- Kuwait (KWD )
- New Zealand (NZD)
- Norway (NOK )
- Poland (PLN )
- Romania (RON )
- Saudi Arabia (SAR)
- Singapore (SGD)
- South Africa (ZAR)
- Sweden (SEK )
- Switzerland (CHF)
- Turkey (TRY )
- United Kingdom (GBP)
- United States of America (USD)
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 and Reuters, among others. This ensures that you have the fairest rate possible without any mark-ups on foreign exchange.