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How to start

What is PagoFX?

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

We’ll soon be making PagoFX available for limited companies. Join our waiting list now.

Where is PagoFX available?

PagoFX is currently available in the UK only. Our launch in other European countries will follow within 2020.

Our mobile app is available for download on the App Store or Google Play and customers can also access our service through

Who can use PagoFX?

PagoFX is for both individuals and sole traders who want to make secure, low-cost international payments. Individuals can register on both the mobile app and the website, while sole traders can only register on the web at the moment. Once they have registered as PagoFX users, both individuals and sole traders can use the mobile app and the website for transactions.

In the near future, we will also offer our service to small-and-medium-sized enterprises.

Can I have both an individual and a sole trader account?

At the moment, we don’t allow the same user to have an individual account and a sole trader account.

Can I change my individual account to a sole trader account?

At the moment, we are unable to change your account from individual to sole trader or vice versa.

Do I need to be a Santander customer to use the app?

No, you don’t need a Santander account to use our service. While PagoFX is backed by Santander, it is open to everyone – no matter who you bank with.

What devices are compatible to PagoFX?

Our web service can be used on desktops, tablets and smartphones through our Our mobile app can be used on iPhones and Android devices with a working Internet connection to make international payments.

How do I set up an account via the mobile app?

All you need is an email address, an official document (such as your passport, national identity card or UK driving licence) and a photo to match your face with your ID. You also need a valid debit card to send money abroad via PagoFX.

You’ll then go through a simple verification process to ensure your safety.

How do I set up an account via the website?

Just click on the “Sign Up” button on our homepage,, and choose between an “Individual” or a “Business” account on the website’s Register screen, where you need to fill in the email and password fields. Once you fill in the email and password fields, you will then receive a magic link in your email inbox. By clicking on it, you will be brought to a page where you can fill out your personal information. You’ll then go through a simple verification process to ensure your safety.

If you need a sole trader account, choose “Business” on the website’s Register screen. As a sole trader, we will ask for your “Industry Type” and the “Annual Volume Expected to Send”.

Why do I need to verify my ID?

We verify ID to protect you, your money and your data, offering you the highest level of security. It also ensures that we comply with our legal obligations, especially in relation to preventing fraud, money laundering and terrorist financing.

Why do I need to take a photo?

We use your photo to verify your ID and documents. We won’t share your photo with anyone; it’s private and kept safe with us. For more information, please see our Privacy Policy.

If I already have a PagoFX account via the mobile app, how do access it via the website?

If you’ve already created your account on the mobile app you can access it via our website by clicking on the “Forgot Password?” button and by following the reset password instructions. Once you have created a password you will be able to sign in to your account.

I’ve downloaded the mobile app but haven’t verified my account or completed the verification process. How do I use the web service?

If you’ve already downloaded the app but haven’t verified your account or completed the verification process, you can use our web service by clicking on the “Sign up” button on the website.

How do I login to my PagoFX account on the website?

On, just click on the “Sign In” link on the homepage and enter your email address and password.