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The PagoFX
Online Business

Running an online-only business or looking to start one? You’re in the right place. You’ll find this space packed with tips, guides and useful insights.

Getting started

Financial know-how

PagoFX is a secure, fast and low-cost way to make international payments for your business, backed by a global bank.

Frequently asked questions

What is PagoFX?

PagoFX is an international money transfer service backed by Santander – available in the UK via our mobile app and website. Individuals and small businesses can easily send money abroad with bank-level security, low costs and excellent customer support.

What small businesses can use PagoFX?

We currently offer our services to sole traders based in the UK, and limited companies (Ltd) registered in the UK and registered as active in Companies House.


What fees will I be charged?

Pricing is the same on the mobile apps and web, as well as for individuals and small businesses.

Our fees differ depending on your recipient country. Our standard fees are as follows:

  • 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, India, Poland, Romania and the US
  • 1% for Croatia
  • 1.1% for Mexico
  • 1.2% for Turkey
  • 1.5% for Israel and South Africa
  • 1.6% for Brazil
  • 1.8% for Qatar and Saudi Arabia
  • 1.9% for Bahrain and Kuwait
  • 2% for Morocco
  • 2.2% for Argentina
  • 2.3% for Colombia
  • 2.9% for Peru
  • 3.3% for Dominican Republic

Your fee will be included in the amount you’ll send to the recipient, so there won’t be unexpected surprises. For example, if you want to convert £100 to euros, the fee you will pay is £0.70. The remaining £99.30 will be converted to euros and sent to your recipient. In our rate calculator, you’ll see exactly what the recipient will receive.

What countries can I send money to, and when will it get there?

From the UK, you can transfer money to bank accounts in more than 40 countries, 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.