NO FEES until 15 January for first-time users.

Sending form ...

Send money
abroad with
confidence
and low costs

By
Santander
NBB regulated

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

Really intuitive money transfer app. Makes it really easy to send money abroad. Love that it is backed by a major bank for the security of my money. Others don’t have this. Love it.  

Excellent customer service! App is straightforward and works really well! 

Very happy to recommend, the security checking was reassuring.

Did what I needed – quick, easy and cheap. I downloaded the app and was able to make my payment in minutes. Big thumbs up. 

Quick and easy. Love that it’s by a bank, security is always a big concern for me. Trust goes a long way. 

Blog

Read more

Hello, Belgium! Bringing PagoFX to the heart of Europe

PagoFX, Santander’s new international money transfer service, is now available in Belgium. Belgian residents can send money abroad quickly, securely and at low cost, no matter who they bank with, and with the peace of mind that comes from having one of the world’s great banks behind their transaction. Launching in the heart of Europe […]

Read more

What is an international money transfer app?

International money transfer apps are a convenient way of sending money, whether that be to your own account or to a friend or relative. If you’re confused by how they work and if they’re right for you, our guide to money transfer apps can help. Most people nowadays have diverted traditional methods of sending money […]

Read more

Understanding exchange rates – an ultimate guide

If you live abroad, own a property overseas or need to pay for expenses abroad, chances are at some point you’re going to need to transfer your money from one currency to another – that means understanding exchange rates and the foreign exchange market.  head around. That’s why we have put together an ultimate guide to understanding what exchange rates are, how they are calculated and […]

Read more

Understanding real-time, mid-market exchange rates

Every minute of every day, banks, institutions and individuals are involved in exchanging money from one currency to another. How much they pay and receive is determined by the exchange rate – the amount of one currency that another currency can buy. It’s therefore crucial to check which exchange rate is applied to your transaction, and whether the rate […]

Read more

Can I transfer money on a weekend?

Wanting to send money on a Saturday, but not sure when it will arrive? Read our guide to sending money over the weekend. Sometimes you need to send money urgently on a weekend. Maybe your child is abroad and needs a top-up. Perhaps you’re working in Belgium and need to send money to your family […]

Read more

PagoFX is now in Belgium

We’re bringing our low-cost, secure and easy-to-use international money transfer service to the heart of Europe.   PagoFX by Santander Bank is unique in the world of international payments – a user-friendly app with low, transparent costs, backed by one of the world’s most trusted banks and open to all. Our vision is to build the world’s most loved money transfer service, designed with the customer […]

Read more

Are money transfer apps safe?

Are you hesitant about using international money transfer apps, as you don’t know how safe they are? Read our guide on the safety of these apps. The level of safety can vary when using international money transfer apps. There are certain things to consider, such as money protection and data storage. If you’re at all wary about transferring funds […]

Read more

Everything you need to know about transferring money abroad

Confused about international money transfers? You’re not alone. With different services, unclear fees and security concerns, sending money abroad can seem complicated – but it doesn’t need to be! We’ve put together this comprehensive guide where you can find out everything you need to know about making payments abroad. We’ll look at the different international […]

Read more

How to send money to Poland

If you want to send money to Poland from Belgium, our comprehensive guide will help you find the cheapest and most secure method to make international payments. Maybe you’ve just moved to Belgium for your first international job and need to send money back to your family in Warsaw. Maybe your child is studying abroad […]

Read more

Dealing with emergencies abroad

Being abroad can open up new life experiences, but it’s important to remember that sticky situations can arise – for example, you may run out of cash or even have a medical emergency. These situations are stressful but don’t lose hope in finding a solution. This article outlines some common problems and the best course of action.  The first rule of what to do when abroad – whether for […]

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?

PagoFX is currently available in Belgium and the UK. UK residents can visit our UK website here.

Our mobile app is available for download on the App Store or Google Play, in English, French or Dutch.

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.