NO FEES until 15 January for first-time users.

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Send money abroad with confidence
and low costs

FCA regulated

Make low-cost, secure international payments when it matters

Why PagoFX is different

Bank-level security, low costs and live support brought together in an

easy-to-use service

Backed by Santander, open to everyone

No matter who you bank with, you can make international payments with PagoFX. Now individuals and sole traders 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 committed to rigorous standards when it comes to financial and data protection. PagoFX is regulated in the UK by the Financial Conduct Authority 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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If we can all work from home these days, why not work from anywhere: like somewhere warm and sunny? We teamed up with pollsters YouGov and asked Britons what they wanted – and what it would take – to work from abroad. Let’s look at the results… One consequence of the global response to combat […]

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PagoFX for Business: now available for limited companies

PagoFX for Business is now available for even more entrepreneurs and small businesses in the UK. In addition to sole traders, UK-registered limited companies can now make use of our low-cost, quick and secure international money transfer service. Small businesses are the lifeblood of a country that Napoleon is credited with describing as “a nation […]

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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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You can now send money to India with PagoFX

With travel restrictions largely still in place, the world can feel bigger than it normally does when we’re away from family and friends at some of the most important times of the year. That’s why we’re working hard at PagoFX to ensure you can still support the businesses and people who matter the most to […]

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eBook: A parent’s guide to international student life

Read our practical guide for parents sending their children abroad to study.

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Don’t get stung on foreign property deposits when buying property abroad

By Victoria Yasinetskaya, Chief Marketing Officer at PagoFX There’s little doubt the ongoing Covid-19 pandemic has totally changed the way we think about where we live and where we work. As decades of expected change to remote working has happened in just a few months, the new normal of working from home for a majority […]

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How to send money to Australia

If you want to send money to Australia from the UK, our comprehensive guide can help you make sense of the most secure and best-value methods to send money abroad. There are few rites of passage in Australia like making a trip to the United Kingdom. The “Mother Country” has long held a fascination for […]

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How to pay off your New Zealand student loan from overseas

If you’re a New Zealander living overseas and you have a government student loan, this guide gives you the lowdown on how to manage your repayment obligations. Find out how much you’ll need to send and how often, and how to save yourself money in the process.   The Big OE (overseas experience) is a rite of passage for many New Zealanders, […]

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Transfer Kindness: supporting international social causes from home

When you send money to these international charities with PagoFX, we’ll top up your donation so your support goes even further.

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The best ways to learn Spanish online in 2020

Whether you’re looking to learn Spanish for work, spending time in Spanish speaking countries or just as a hobby, there are a multitude of ways to study one of the world’s most widely spoken languages online. What’s more, many of them are free or low-cost. But with so many options, it can be difficult to […]


Our most asked questions and answers

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.

How does the no-fee programme for first-time users work?

Our no-fee transfer programme is available to all first-time users of the PagoFX mobile app on Android and iOS and website via between 17 September 2020 and 15 January 2021. PagoFX shall waive international money transfer fees on transactions up to a limit of 1,000 GBP per-user. This limit is cumulative – once you submit a single or multiple transactions above the 1,000 GBP limit, PagoFX’s standard fees shall apply on all amounts above the limit.

This means that after reaching the 1,000-GBP transfer limit, we will charge you the following low-cost fees:

  • 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
  • 1.2% 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
  • 2.2% for Argentina
  • 2.3% for Colombia
  • 2.9% for Peru

Read the terms of the programme here.

Where is PagoFX available?

PagoFX is currently available in the UK and Belgium. 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

Where can I send money?

You can send money from the UK (GBP) to bank accounts in the following countries with PagoFX:

  • Australia (AUD)
  • Argentina (ARS)
  • Bahrain (BHD)
  • Brazil (BRL)
  • Bulgaria (BGN)
  • Canada (CAD)
  • Colombia (COP)
  • Croatia (HRK )
  • Czech Republic (CZK)
  • Denmark (DKK)
  • Eurozone countries* (EUR)
  • Hong Kong (HKD)
  • Hungary (HUF)
  • India (INR)
  • Israel (ILS)
  • Kuwait (KWD)
  • 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 States of America (USD)

We are working hard to add more currencies soon.

*Eurozone countries are Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia and Spain.


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, Reuters, among others. This ensures that you have the fairest rate possible without any mark-ups on foreign exchange.