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Before sending money

What information do I need to send a payment?

You will need the recipient’s first name, last name and your recipient’s bank details such as their IBAN (for EUR-based accounts) or ABA number/routing number (for US accounts). For currencies other than EUR, we also require the recipient’s address.

What is the smallest amount I can send?

The minimum amount you can send is £100 for USD, TRY, BHD and KWD, and £2 for all other currencies.

What is the maximum amount I can send?

Maximum amounts will vary based on currency, country of destination and type of transaction. You should also consider that your card issuer or bank may impose limits to your card or bank account, respectively.

Where can I send money?

PagoFX can convert GBP (£) to EUR (€), USD ($), PLN (Polish złoty), CHF (Swiss francs), SEK (Swedish krona), NOK (Norwegian krone), DKK (Danish krone), CZK (Czech koruna), TRY (Turkish lira) , RON (Romanian leu), HUF (Hungarian forint), BGN (Bulgarian lev), HRK (Croation kuna), ILS (Israeli new shekel), QAR (Qatari riyal), SAR (Saudi riyal), BHD (Bahraini dinar), and KWD (Kuwaiti dinar). We are working hard to add more currencies soon.

Can I transfer money on a weekend or bank holiday?

You can arrange a payment on a weekend or a bank holiday. However, the recipient will most likely receive your payment the following working day because clearing systems are closed over the weekend and during bank holidays. The app will show you the ‘expected arrival date’. Your transaction may also be delayed in case we set a limit to operating in certain currencies.

What is an IBAN?

IBAN stands for International Bank Account Number. It’s a sequence of up to 34 letters and numbers that determines the country, bank and account that the payment should be sent to. This is applicable to banks in the European Economic Area, Switzerland, Turkey, Israel, Qatar, Saudi Arabia, Bahrain and Kuwait, but not to banks in the USA. Please double check if you have the correct IBAN before confirming your payment on the app. Unfortunately, we’re unable to verify if the IBAN belongs to your recipient. Thus, we cannot guarantee that your money will reach the right person if you enter the recipient’s details incorrectly.

 

What is a BIC/SWIFT code?

BIC stands for Bank Identifier Code, which the Society for Worldwide Interbank Financial Telecommunication (SWIFT) assigns to a bank. Because of this, a BIC is sometimes called a SWIFT code but they’re both referring to the same thing. It’s a sequence of either 8 or 11 numbers that determines the country and bank that a payment should be sent to. The BIC/SWIFT code is only verified once you’ve confirmed the payment, so please double check the number before you press send.

What is a routing number?

The routing number is a 9-digit number that identifies banks in the USA. You will need the recipient’s routing number and account number to successfully send a payment to the USA.

Please double check if you have the correct routing number before confirming your payment on the app. Unfortunately, we’re unable to verify if the number belongs to your recipient. Thus, we cannot guarantee that your money will reach the right person if you enter the recipient’s details incorrectly.

How can I fund my payments?

Currently, you can only fund payments using a debit card. We’ll be adding more funding methods in the near future.

Can I send money using a corporate card?

Yes –  if you have a sole trader account, you can use your corporate debit card to make payments for your business. Please note that if you have a personal PagoFX account, you cannot use a corporate card to make payments.

Do you accept payments through prepaid cards?

No, we currently don’t accept prepaid cards.

Can I send money to wallets?

No, you can only send money to bank accounts in our existing recipient countries.

How do I make an international transfer via the mobile app?

Once we’ve verified your information, you can start sending low-cost, secure international payments. You’ll then be prompted to the quote screen, where you enter the amount you’d like to send abroad, as well as the foreign currency.

Select if you’re transferring money to a person or a business and fill out the required information. Enter the information needed in the beneficiary screen and select a payment method.

How do I make an international transfer via the web?

Once we’ve verified your information, you can start sending low-cost, secure international payments. You’ll then be prompted to the quote screen, where you enter the amount you’d like to send abroad, as well as the foreign currency.

Select if you’re transferring money to a person or a business and fill out the required information. Enter the information needed in the beneficiary screen and select a payment method. You will then be asked to review the summary of your transaction and add a reference number.