Pangea Money Transfer Detailed Review

Rates, Fees, Limits, Safety and More

Last updated: August 02, 2025

What is Pangea? An introduction

Pangea is a trusted digital money transfer platform that makes sending money abroad simple, reliable, and cost-effective. With just a few taps, people can send money to Mexico, the Philippines, and over 22 other countries; funds are delivered directly to bank accounts, debit cards, or more than 70,000 cash pickup locations.

Trusted over 10 million times, Pangea offers a secure, mobile-first experience with low fees, great exchange rates, and fast delivery. Pangea is committed to empowering financial freedom across borders and helping immigrants and cross-border families manage their financial lives with confidence.

Pangea company information

Pangea USA, LLC is a U.S.-based financial technology company that operates a digital platform for cross-border money transfers. Through its mobile-first service, Pangea enables users to send money from the United States to 24 countries, including Mexico, the Philippines, and others across Latin America, Asia, Africa, and Europe.

Founded in 2012 and headquartered in Chicago, Illinois, Pangea focuses on delivering a simple, reliable, and cost-effective remittance experience to support the everyday financial needs of immigrants and cross-border families.

In March 2021, Pangea was acquired by Enova International, Inc. (NYSE: ENVA), a publicly traded financial services company. The acquisition aligned with its long-term vision by providing strategic resources to enhance Pangea’s capabilities, better support the communities it serves, and drive financial freedom across borders.

Pangea by the numbers

The below statistics help put Pangea's financial and customer reach and impact in perspective.

• 1M+ app downloads
• USD 2.8 billion+ sent globally
• Available 24 different countries
• 70,000+ cash pickup locations around the world
• Partnered with 300+ brands worldwide

Pangea, backed by Enova (NYSE: ENVA) is a digital money transfer platform built on trust and simplicity with an aim to serve global communities.

What services does Pangea provide?

Here are the services that Pangea provides for your usage:

• International Money Transfers: Send money from the U.S. to 24 countries with delivery options including bank deposit, debit card, mobile wallet, or cash pickup. Note that receiving methods vary by country; check the Pangea Help Center to see available options.
• International Bill Pay: Pay bills on behalf of family or friends abroad - such as utilities and mobile services - using their account number. Note that this service is currently available only in Mexico.

With Pangea, you can send money internationally from the United States to 24 countries using various delivery options. You can also make international bill payments with Pangea (currently Mexico only).

Which countries does Pangea operate in?

Pangea Money Transfer is a remittance app that lets you easily send money online from the U.S. (except Massachusetts) to 24 countries around the world.

Where can I send money from with Pangea?

Pangea lets you send money from any state in the United States except Massachusetts.

Where can I send money to with Pangea?

Pangea allows you to send money from the U.S. to 24 countries across Latin America, Asia, Africa, and Europe:

• Latin America: Mexico, Colombia, Guatemala, El Salvador, Honduras, and the Dominican Republic.
• Asia: The Philippines, India, Bangladesh, Indonesia, Malaysia, Nepal, Singapore, Thailand, and Vietnam.
• Africa: Burkina Faso, Côte d’Ivoire, Ghana, Kenya, Senegal, and Uganda.
• Europe: France, Germany, and Italy.

You can send money internationally with Pangea from the US to 24 global destinations spread across Asia, Africa, Europe and Latin America.

What are Pangea's fees and exchange rates?

Pangea's exchange rates tend to be highly competitive as compared to other money transfer companies. Here are some additional caveats that you should be aware of:

• Exchange rates fluctuate constantly due to factors like currency demand, interest rates, inflation, and global economic conditions. Pangea monitors real-time market trends to offer competitive exchange rates for your transfers.
• Exchange rates may also vary by payment method and send amount.
• To check the exact fees for your transfer, use the Pangea app to see fees and rates in real time. Alternatively, you can also visit the Pangea Help Center for country-specific fee details.

Are Pangea exchange rates good?

Pangea's exchange rates are highly competitive and are continuously evaluated to ensure best-in-market pricing. First-time senders to select corridors may qualify for a Special Promotional Rate and a No Transfer Fee*.

In some countries, improved exchange rates are also available when sending larger amounts. Check the Pangea app for the most up-to-date pricing, or visit the Pangea Help Center for more details.

*This promotion waives transfer fees for qualifying transactions during the promotional period. However, credit card transaction fees and foreign exchange (FX) rate gains still apply.

That said, we always suggest to our readers to always shop around and see what other remittance service providers are offering. More information will help you best choose a partner to send money with. When you compare money transfer providers, the chances of your getting the most benefit on your international money transfers increase significantly.

Whilst you can compare remittance companies manually, a quick and convenient way to do so is to rely on RemitFinder's online money transfer comparison engine. RemitFinder compares umpteen providers side-by-side to give you accurate and updated information about exchange rates and deals.

Is Pangea a cheap way to send money overseas?

Yes, Pangea offers a cost-effective way to send money internationally. The company continuously monitors pricing to provide competitive exchange rates and low fees, helping customers get more out of every transfer.

In addition to affordability, Pangea also delivers fast transfer times and a user-friendly experience, making it a convenient and reliable option.

How do I avoid Pangea fees?

At Pangea, first-time senders are offered No Transfer Fee* on their first send. In some countries, transfer fees may also be waived based on the selected payment and delivery method.

To access future offers, be sure to subscribe to Pangea's marketing channels and stay updated on the latest promotions.

*This promotion waives transfer fees for qualifying transactions during the promotional period. However, credit card transaction fees and foreign exchange (FX) rate gains still apply.

How much money can I send with Pangea?

At Pangea, there are three transfer limit levels.

As a new customer, you will begin at Level 1. When you reach the daily, 30-day, or 180-day limit (whichever comes first), the system will prompt you to upload additional information to apply for the next level. Once approved, you will be upgraded.

This process helps maintain platform security and ensures compliance with regulations for higher transfer volumes.

Here are the limits for each level for daily, 30-day and 180-day time windows.

Pangea money transfer sending limits depend on your membership level and are applicable daily, over 30 days and over 180 days. You can send more money as you elevate your Pangea membership level.

How long does it take for Pangea to send money overseas?

Pangea is a quick way to send money internationally! Most transfers are delivered within minutes, offering a fast and reliable way to send money across borders.

Pangea delivery time depends on your selected payment method as follows:

• Debit Card: Money delivered in minutes*
• Credit Card: Money delivered in minutes* with the flexibility to pay later
• Bank Account: Better exchange rates; funds arrive in 3-4 business days

*Processing times may vary due to security checks, receiver bank policies, or other factors.

International money transfers sent via Pangea usually finish within minutes to up to 3-4 business days - depending on how you choose to pay for your transfer.

How can I pay for my Pangea money transfer?

To be able to complete an international money transfer, you first need to send your funds in local currency to the money transfer company you choose. The mechanism to pay for your remittance transaction is called a payment method.

You can pay with debit card, credit card or bank account, giving you flexible options to fund your transfer.

Which payment method should I use to pay for my Pangea money transfer?

If you wish to send money urgently to your overseas recipient with Pangea, you may consider paying with a debit or credit card. Even though you may incur fees or not get the best exchange rate with these payment methods, your recipient will get the money within minutes.

On the other hand, if you wish to maximize the value of your money by getting the best possible exchange rates and lower fees, choose bank account to pay for your Pangea international money transfer. That is if you are OK with the 3-4 business day delivery timeline.

How can my recipient get paid with Pangea?

The method you choose to credit your overseas receiver is generally called a delivery method. Pangea supports the following delivery methods:

• Bank Account Deposit: Funds go directly to a local bank account.
• Cash Pickup: Designated pickup points where receivers can collect cash in person.
• Mobile Wallet: Transfer money to a mobile wallet for easy digital transactions (only available in the Philippines, Ghana, Kenya, Uganda and Nepal).
• Direct Deposit to a Debit Card: Send money directly to a receiver's debit card for quick and easy access (only available in Mexico).

You can pay your overseas recipient using Pangea in a variety of ways that include bank deposit, cash pickup, mobile wallet or debit card deposit. Note that some options work only in a few countries, so make sure to check before you complete your transfer.

Which delivery method should I use for my Pangea money transfer?

The choice of the ideal delivery method depends on your and your recipient's needs and circumstances.

For example, if a bank account is not available, or the recipient does not want to share bank information, you can go with cash pickup or mobile wallet deposit. Similarly, if money needs to be sent urgently, a cash pickup may be a better choice.

Are there any Pangea coupon codes or promotions I can use?

Pangea regularly shares promotions and coupon codes with customers via SMS and email. These offers are available to users with an account who have opted in to receive marketing communications. Be sure to subscribe to Pangea's marketing updates to stay informed about the latest deals and special offers.

If Pangea runs any offers or promotions in the future, we will add them on this page. Check this Pangea review periodically to ensure that you do not miss out on any future deals.

Whilst you can check for Pangea deals and discounts manually, doing so is time consuming. A better way is to sign up for the RemitFinder daily exchange rate alert. Our daily alert is totally free of cost; we will keep you posted on exchange rates and latest offers from many money transfer companies.

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How can I find Pangea near me?

Pangea is a fully digital service and does not have physical locations. You can send money anytime, anywhere and right from your phone or computer.

Note that you can send money from all U.S. states except Massachusetts.

What is the best way to find a Pangea Sending Location near me?

There is no physical sending location - Pangea's service is entirely digital for customers' convenience.

What is the best way to find an Pangea Payment Location overseas?

If you choose to pay your recipient via cash pickup, you will be able to choose a supported overseas payment location where your recipient can go to pick up the funds.

Is Pangea a safe way to send money abroad?

Pangea takes the security of your money and confidential information very seriously, and safety is a top priority with them.

Along with maintaining regulatory compliance, Pangea uses two-factor authentication (2FA) for account access and verifies user identity to protect against fraud activity. Whether you are sending small amounts or larger transfers - up to USD 60,000 every 180 days - the system is designed to safeguard both your funds and personal information.

Pangea also offers additional comprehensive security measures such as tokenization, card vaulting, and robust encryption, giving users confidence when transferring funds.

Can I trust Pangea?

A major aspect of trusting a financial institution entails inspecting their legal and regulatory status in the countries of their operation. When it comes to Pangea, we notice that Pangea is a registered Money Transfer Service with the U.S. Department of Treasury, complying with strict state and federal regulations.

By complying with federal and state regulations, Pangea ensures a trustworthy environment for both senders and receivers.

Pangea has many security features in place to try to keep your money and information safe. Additionally, Pangea is also a registered money transfer service and is regulated by the U.S. Department of Treasury.

How good is Pangea's service?

Pangea has successfully delivered over 10 million transactions worldwide and continues to grow. The platform is known for its simple, reliable, and cost-effective money transfer experience.

That said, one of the most reliable ways to check if a service is good or not is to see what other customers have to say about it. We will do the same to see if Pangea's customers are happy with their service or not.

What do users have to say about Pangea?

In this section, we look into Pangea's ratings and reviews^ on popular review platforms and major mobile app stores to see what users think about their service.

• On Trustpilot, Pangea is rated 4.5/5.0 with more than 3500 reviews
• On the Google Play Store, Pangea is rated 4.8/5.0 with 10.2K reviews and more than 500K downloads
• On the Apple App Store, Pangea is rated 4.8/5.0 with 25.6K ratings

^Ratings on various platforms as on July 28, 2025

Pangea has excellent ratings and reviews on Trustpilot as well as mobile app stores (for their Android and iOS mobile apps). Customers seem to like and trust Pangea's international money transfer service.

Have you used Pangea yet? If so, please consider leaving a review on RemitFinder so other users can benefit from your expertise and experience.

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Is Pangea the best choice for me?

Given our detailed analysis of Pangea international money transfer service and related aspects, it is clear that Pangea has many strengths. Here are some areas where we find Pangea standing tall in the international remittance use case:

• Low Cost and Transparent Pricing: Enjoy competitive exchange rates and low fees with no hidden costs. Save even more when you send larger amounts.
• Wide Network and Flexible Options: Multiple ways to pay and receive, with access to thousands of locations through Pangea's trusted provider network.
• Fast and Reliable Delivery: Money typically arrives within minutes, so your support gets there when it matters most, without delays. Note that processing times may vary due to security checks, receiver bank policies, or other factors.
• Easy to Use: Send and track money in just a few taps with Pangea's intuitive app and website.
• Safe and Secure: Every transfer is protected by advanced encryption and industry-leading security standards, giving you peace of mind.
• Real-Time Tracking: Follow your money every step of the way with real-time updates you can trust.
• Dedicated Bilingual Support: Reliable customer support in English and Spanish, available 7 days a week and always ready to assist.

RemitFinder likes Pangea for providing competitive exchange rates and lower fees along with complete transparency into rates and pricing, offering flexible payment and delivery options, processing money transfers quickly, prioritizing safety and security of customers' money and information and providing an easy to use mobile app and website to send money overseas.

What are the best reasons to use Pangea?

Pangea's key advantages make it a very good choice for quite a few international money transfer use cases. Based on the in-depth analysis that we have conducted on Pangea's remittance service in prior sections of this review, we notice that it can be a great fit for many international money transfer scenarios.

Here are some examples where Pangea can prove to be a reliable ally for your next overseas funds transfer.

• If you wish to send money internationally to popular destinations across Asia, Africa, Europe and Latin America, Pangea could be a good fit since they support sending money to 24 destinations across the aforementioned 4 continents.
• Pangea offers competitive exchange rates and low fees, making it a good potential fit for your international money transfers.
• Pangea has generous sending limits, especially if you graduate your account level with them to a higher tier. For example, Tier 3 Pangea account holders can send USD 6000 daily. This makes Pangea a great choice for sending larger amounts overseas.
• If you wish to send money abroad quickly, Pangea can be a great choice since debit and credit card transfers with them finish within minutes. Note that you may get a higher exchange rate if you choose to pay with a bank account, but it is good to know that there is a good option for rushing money abroad quickly in case of urgencies.
• Pangea has flexible payment and delivery options which enable you and your recipient to efficiently navigate your money transfer needs and preferences. You can pay with a debit card, credit card or bank account, and your recipient can receive funds via bank deposit, mobile wallet, cash pickup or debit card deposit. This gives you and your recipient a wide matrix of payment and delivery methods to choose from.
• Pangea's ratings and reviews are excellent across Trustpilot as well as Google Play and Apple Store for the respective mobile apps. This demonstrates that their service is well liked by customers, and gives you peace of mind that you are dealing with a reputable company with great reviews.

Pangea's strengths and advantages make it a very good choice for many money transfer scenarios for remitting money from the United States.

What type of transfers can I make with Pangea?

With Pangea, you can make various types of international money transfers that include:

• International money transfers using different payment and receiving methods.
• Deposits to mobile wallets and debit cards (only available in select countries).
• Bill Pay (only available in select countries).

What are various ways to send money with Pangea?

You can place your Pangea international money transfer orders in a variety of ways that include the below options:

• Using the Pangea app on your phone
• Online at Pangea's website

How to send and receive money with Pangea?

It is quick and easy to send money internationally with Pangea. In fact, the whole flow from start to finish can be completed on any of Pangea's channels to send money with in just a few minutes. Check out the section below for the exact steps needed to do an overseas money transfer with Pangea.

Step by step guide to send money with Pangea

With Pangea, sending money overseas takes only a few clicks. Here are the steps you need to undertake to finish an end-to-end money transfer with Pangea:

• Step 1: Decide if you want to send your next money transfer with Pangea. With the recent explosion of money transfer operators, it may seem daunting to even choose who to go with. One helpful way to reach a decision is to compare various money transfer companies using RemitFinder's real-time money transfer comparison platform. RemitFinder does all the heavy lifting to assist you to easily compare the relative strengths and weaknesses of many remittance companies side by side. This can really help you to narrow down the choices that meet your selection criteria and therefore, help you to select who to go with.





• Step 2: Sign up for a Pangea account. Once you have determined that Pangea is your selected money transfer company, sign up for a new account with them. You may need to upload documentation to pass KYC and other validation checks to ensure your account is safe and secure.
• Step 3: Enter the Amount. Select the amount you would like to send. Fees and exchange rates are shown upfront.
• Step 4: Add the Receiver. Select who is going to receive the money and enter their details.
• Step 5: Choose a Delivery Method. Select how your receiver will get the money.
• Step 6: Confirm and Send. Add a payment method, review the transfer details, and send. You can track your transfers in real time.

It is quick and easy to send money internationally with Pangea. The whole process can be finished with just a few clicks in less than 5 minutes.

How can Pangea help me send money?

Pangea makes it easy to send money internationally with a fast, secure, and user-friendly platform. You can send from your phone in just a few steps - no need to visit a physical location.

If you have specific questions about how it works or want to learn more about sending money, check out the Pangea Help Center. You will find answers to frequently asked questions, including country-specific information to guide you through the process.

Do I need a Pangea account to receive money?

No, only the sender needs a Pangea account. Although the receiver does not need a Pangea account to access the funds, if they are picking up cash, their name on the transfer must match the name on their government-issued ID.

Does Pangea have a mobile app?

Yes. The Pangea mobile app is available for both iOS and Android devices. Download the Pangea app today to send money quickly and securely.

How do I track my Pangea transfer?

Pangea provides real-time transfer updates, so you are always informed about the status of your money. You will also receive SMS notifications as the status of your transfer changes until it is received.

To check the status anytime, simply:

• On the Pangea website: Click on 'Activity' at the top of the screen.
• In the Pangea app: Tap on 'Activity' at the bottom of the screen.

Once you are in the Activity section of the Pangea website or mobile app, you can view both In Progress and Completed transfers.

Can I use Pangea for international bank transfers?

Yes, Pangea allows you to send international bank transfers. You can pay your transfer using a U.S. bank account, and your receiver can also receive the money directly through a bank deposit.

Is Pangea online better than sending money in-person in stores?

Pangea is fully online, so you can send money anytime, from anywhere (all U.S. states except Massachusetts) - no lines, no store visits. It is fast, simple, and convenient.

Pangea is a fully online and digital money transfer service. Therefore, you do not need to visit any physical locations or stores to send money internationally with Pangea.

Does Pangea have a rewards program?

Pangea has a referral program. If you invite your friends to join Pangea, both you and your friends receive bonus as a Pangea credit when they complete their first transfer.

What customer support options are available with Pangea?

In case you need any help with your Pangea money transfer, or have any other general questions, you can contact the Pangea customer support team.

There are many easy ways to get in touch with Pangea customer support as below:

• You can call +1 866-395-2938.
• You can send an email to help@gopangea.com.

Pangea's customer service is bilingual with support for English and Spanish, and is available from: 8 AM to 10 PM CST.

Pangea's customer support is available via phone and email and is available from 8 AM to 10 PM CST. Additionally, Pangea customer support agents are adept in both English and Spanish communication.

Can I cancel my Pangea transfer?

Your transfer can be canceled as long as it has not been picked up at the cash location or begun processing into your receiver's bank account.

If eligible, the cancel option will appear in your transfer history.

Pangea's team will do their best to process your request. Contact customer support to confirm whether the cancellation was successful - in which case you will receive a refund, or if it was unsuccessful.

How do I delete my Pangea account?

To delete your account, go to the section 'My account' on the Pangea app's settings. There is a button that says DELETE MY ACCOUNT. Once you click there, there will be a 'Confirm Account Deletion' screen.

You will receive an SMS confirmation after account deletion.

Note that you will not be able to create a new account for 30 days after account deletion.

Finally, if you need help, you can also contact Pangea's customer support for assistance.

Additional Information

Legal and Regulatory Compliance

Pangea is a registered Money Transfer Service with the U.S. Department of Treasury.