# PagoFX — Payment Provider

PagoFX was a low-cost international money transfer service backed by Banco Santander (operated by PagoNxt), launched in the UK in April 2020 and later in Spain and Belgium, allowing residents to send money abroad from a mobile app using their debit card with real-time FX rates and no hidden fees. PagoNxt discontinued the PagoFX consumer app on 30 November 2021, integrating the technology into Santander's trade services business.

- **Listing status:** Unclaimed — researched from public sources
- **Fees:** Standard fee 0.70% to eurozone, Switzerland, Norway, Sweden, Czech Republic; 0.80% to US, Poland, Denmark (service discontinued 30 Nov 2021).
- **Fee range:** 0.7%–0.7%
- **Fee model:** flat-rate
- **Headquarters:** Madrid, Spain
- **Founded:** 2019
- **Categories:** regional, traditional
- **Regions:** europe
- **Countries served:** 3 (BE, ES, GB)
- **Payment methods:** mastercard, sepa, visa

## Legal & compliance

2 legal entities · regulated in 2 jurisdictions on file. Licenses, regulators, registry records and legal-entity detail require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/pagofx#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=pagofx&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/pagofx

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)