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Pangea Money Transfer review

An easy-to-use transfer service for sending money to Latin America and Asia

Pangea offers a streamlined and an easy-to-use online and mobile app money transfer service for those who need to send funds to South America and Asia. You’ll see the current exchange rate for your transfer as well as your flat transfer fee before you send money with Pangea, and most funds are sent within 24 hours.

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Within minutes

Fastest Transfer Speed

$20

Minimum Transfer Amount

$2,999

Maximum Transfer Amount

Simple transfers on the go

Sending money to Asia and Latin America is easy with Pangea’s mobile app. Complete a transfer in less than 30 seconds and pay with any US debit card.

Send your first transfer for free with code NOFEEFINDER

Our experience transferring money with Pangea

Here’s what we found when we sent a live transfer to Mexico through Pangea:

  • Pangea’s transparent fee structure meant that we paid a flat fee of $4.95, and our competitive exchange rate was within 2.5% of the mid-market rate, with rates updated multiple times a day.
  • Pangea’s easy-to-use website allowed us to sign up and initiate a transfer in about 4 minutes.
  • While the estimated delivery was 24 hours, our funds were deposited into our recipient’s Mexican bank account immediately.
Check if there are any Pangea promo codes available

How much does Pangea Cost?

The fee you’ll pay to transfer funds with Pangea depends on where you’re sending the money and whether you are paying with cash or by debit. The option to pay with cash is only available in Illinois.

CountryPay with debitPay with a bank account
Mexico$4.95$0* – $4.95
India$3.95 – $20.95$0*** – $3.95
Philippines$3.95$0* – $3.95
Bangladesh$4.95$0* – $4.95
Colombia$4.95$0* – $4.95
Dominican Republic$4.95$0* – $4.95
El Salvador$6.95 – $24.95$6.95
Guatemala$4.95$0* – $4.95
Honduras$6.95 – $24.95$6.95
Indonesia$4.99$0* – $4.99
Malaysia$5.99$0* – $5.99
Singapore$5.99$0* – $5.99
Thailand$5.99$0* – $5.99
Vietnam$4.95$0* – $4.95

*Free when sending with Bank Account on transfers of $500 or more
**Free when sending with Bank account on transfers of $750 or more
***Free when sending with Bank account on transfers of $1,000 or more

Exchange rates

Pangea updates its exchange rates online every day. It skews the exchange rate for a profit, so if the mid-market exchange rate is 1 USD = 18.91 MXN, Pangea might offer a rate of 1 USD = 18.55 MXN.

What types of transfers does Pangea support?

Pangea limits the ways in which you can fund your transfer and how your recipients can receive money.

Sending money

  • Debit card. Most transactions will require you to pay with your debit card.
  • Bank transfer. Bank-to-bank transfer options are available when sending money to Mexico only.
  • Cash. If you live in Illinois, you can pay for your transfer with cash at 7-Elevens.

Receiving money

  • Bank transfer. Bank-to-bank transfers are available to recipients in Mexico only.
  • Direct deposit to debit card. Direct deposits to a debit card are only available to recipients in select countries.
  • Cash pickup. Cash pickup is available in most countries at one of Pangea’s 12,000 locations.

Pangea does not offer the flexibility of rate locks, forward contracts or recurring transfers. You can only send one-off transfers.

How much can I send with Pangea?

When paying with a debit card, you can send between $20 and $2,999 in a single day, with a monthly limit of $6,000. In Illinois, you can pay with cash and send between $20 and $300 per day until you reach a monthly limit of $2,000.

Regardless of what sending method you select, you still have a daily limit of $2,999.

Pangea is not available in all states

If your state of residence is not listed here, you can’t send money with Pangea.

Here are the states where Pangea is NOT available:

  • Colorado
  • Connecticut
  • Iowa
  • Kentucky
  • Maryland
  • Massachusetts
  • Minnesota
  • Nevada
  • New York
  • North Dakota
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Virginia
  • West Virginia
  • Wyoming

Here are the states where Pangea is available:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Lousiana
  • Maine
  • Michigan
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • Oregon
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Washington
  • Wisconsin

Pros and cons of using Pangea

Pros

  • Quick and easy transfers. Whether using your computer or an app, Pangea’s online transfer process is simple and straightforward.
  • 12,000 pickup locations. Your recipients can easily pick up their funds at one of Pangea’s many agents worldwide.
  • Referral promo. Earn $15 off a future transfer by referring friends.

Cons

  • Limited services. If you’re not a resident of one of the 14 states Pangea services, you’ll need to find another provider.
  • For individuals only. If you’re a business looking to schedule payments, you’ll need to look at other services.

How does Pangea compare to other services?

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
OFX
24 hours
$0

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Dunbridge Financial
Dunbridge Financial
24 hours
$0

View details
Dunbridge Financial offers competitive exchange rates and zero fees on transfers to more than 120 countries.
CurrencyTransfer
24 hours
$0
SPECIAL OFFER ✓ Minimum transfer of $1,000 for Finder readers (normally £5,000)

View details
Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
XE
Within minutes
$3

View details
XE has fast transfers with low fees and a range of foreign currency tools.
WorldRemit
Within an hour
From $1.99

View details
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Wise (TransferWise)
Within an hour
From $2.26

View details
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Instarem
Within an hour
$1

View details
Exclusive: Use code GET60 and save $30 on each transaction over $200. Valid for the first two transactions. T&Cs apply.
Instarem offers zero transfer fees on all transfers.
Remitly
Within minutes
From $0
SPECIAL OFFER ✓ Free transfers and better exchange rates available for new customers

View details
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Western Union
Within an hour
From $0

View details
Western Union sends money online to friends and family in 200+ countries around the world.
MoneyGram
Within an hour
From $0

View details
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
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Compare up to 4 providers

How do I send money through Pangea?

Sending money through Pangea is quick and easy online or on the mobile app. To initiate your first transfer:

  1. Create a free account with your mobile number, full name and address.
  2. Enter the amount of money you want to send and to which country.
  3. Review the current exchange rate and your transfer fee.
  4. Pay using a debit card, bank transfer or cash.
  5. Your recipient will receive a text message with a unique transfer code to use when picking up cash at one of Pangea’s 12,000 locations.

Next steps

Once you initiate your transfer, you’ll pay with a debit card, bank transfer or cash at a 7-Eleven location in Illinois.

When your transfer is complete, your recipient will get a text message with a transfer code to pick up the cash at one of Pangea’s many locations.

Bottom line

Pangea is a great option if you want to send money to Latin America or Asia, although there are limitations on how you can fund your transfer and how your recipients can receive the funds.

You may be able to find a more competitive exchange rate, depending on your transfer options. It’s not a bad idea to compare your options before making a final decision.

Frequently asked questions

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