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Send money
abroad with
and low costs

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’.


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. 


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How to send money to Romania

If you want to send money to Romania from Belgium, our comprehensive guide is your roadmap to secure and best value methods to make international payments. Sending money in leu (plural: lei) doesn’t need to be hard. You might have a significant birthday among your family back home in Romania and want to send them a […]

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PagoFX is now in Spain

PagoFX, the new international money transfer service backed by Santander, is now available in Spain. With PagoFX you can make rapid, secure, and low-cost transfers, no matter who you bank with. What’s more, you can count on the guarantees of reliability and transparency offered by one of the largest banks in the world.  There are many […]

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Getting a job in Belgium: An expat’s guide to writing your CV

Wanting a job in Belgium, but not sure how best to grab the employer’s attention? Read our guide on how to write a CV for jobs in Belgium. Moving into a new job market can be a challenge for anyone but the reward of finding a job you love makes the effort worth it. One of the key […]

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Best tips for a long-distance lockdown Christmas

If you can’t travel to physically be with your loved ones this Christmas, here are some ways you can stay connected and celebrate together from afar. With travel restrictions and social distancing still the norm thanks to the global Covid-19 pandemic, Christmas in 2020 will feel very different to normal – especially for those of […]

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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 […]

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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 […]

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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 […]

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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 […]

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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 […]

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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 […]


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.

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:

  • Argentina (ARS)
  • Australia (AUD)
  • Bahrain (BHD)
  • Brazil (BRL)
  • Bulgaria (BGN)
  • Canada (CAD)
  • Colombia (COP)
  • Croatia (HRK )
  • Czech Republic (CZK)
  • Denmark (DKK)
  • Dominican Republic (DOP)
  • Eurozone countries (EUR)
  • Hong Kong (HKD)
  • Hungary (HUF)
  • India (INR)
  • Israel (ILS )
  • Kuwait (KWD )
  • Mexico (MXN)
  • New Zealand (NZD)
  • Norway (NOK)
  • Peru (PEN)
  • Poland (PLN )
  • Qatar (QAR)
  • 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.