PassTo money transfer review

Send money to more than 50 countries using digital money transfer service PassTo.

  • Great for fast transfers to a variety of countries.
  • Not so great if you are looking to send large amounts.

Check out our full list of pros and cons or read on.

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Details

Product NamePassTo
Pay ByCredit card, Debit card, Bank transfer
Receiving OptionsCash pickup location, Bank account, Mobile wallet
Customer ServicePhone, Live chat, Email
Available CurrenciesBDT, CNY, CZK, DKK, EUR, GBP, GHS, HUF, INR, KES, LKR, MAD, MYR, NOK, NPR, PHP, PKR, PLN, SEK, SGD, THB, UGX, USD, XAF, XOF, ZAR, ZMW
Bank Account Required?No
Personal Account Manager?No

PassTo is a digital banking platform that specialises in international money transfers. Officially launched in December 2019, it looks to send money worldwide in real-time at affordable prices. Your first two transfers with PassTo are free, and after that, there is a fixed fee. Meaning it’s easier to calculate the cost of your transfer. Keep in mind though, that PassTo only facilitates online transfers through its app. So if you are looking for a wider variety of transfer options, it is probably best to look at some of the bigger money transfer providers.

Why should I consider PassTo?

  • Easy to use. With a slick app, PassTo harnesses the power of digital banking to make the money transfer experience painless.
  • Variety of currencies. Same day or next working day transfers available to numerous destinations.
  • One-to-one customer support. You can send money to over 50 countries worldwide in various currencies.
  • Fast transfers. Most transfers are delivered within a few minutes, or same day or next business day to other destinations.
  • Referral reward. Earn £50 when you refer 3 friends who then make a successful transfer of at least £200 each.

What do I need to be aware of?

  • App only. The only way to make a money transfer with PassTo is through its mobile app – although a web browser version will be available soon.
  • Transfer limits. You can send up to £2,000 a day for most countries, and a maximum amount of £10,000 per month and £50,000 per year.

How much are PassTo’s international transfer fees?

PassTo’s fees are variable depending on delivery method and destination. There is also the added bonus that your first two transfers with the provider are free.

How are PassTo’s exchange rates?

It’s important to remember that you can expect to also pay a margin on your exchange rate. This is when a provider adds a markup to the mid-market rate. However, PassTo has developed an algorithm that compares rates between a number of remittance providers in order to offer competitive prices. Within the app, you can also view historical FX rates to get a better picture of how the rates stack up against other providers.

What are the ways I can send money abroad with PassTo?

PassTo has expanded its services to support bank transfers, sending money for cash pickup or to a mobile wallet. Customers can send Airtime Top-ups to more than 150 countries around the globe in real-time.

What payment methods does PassTo accept?

You can pay for your PassTo money transfer via instant bank transfers or by a credit or debit card. Apple and Google Pay will be available soon.

How long does an international transfer with PassTo take?

PassTo aims for most transfers to be completed in real-time or during the same day. Just be aware, there are certain destinations where transfers could take a bit longer. If this is the case, PassTo will give you an expected delivery time when you submit your transaction.

Transfers typically takeClock icon for transfer speed

Within minutes

Making an international money transfer with PassTo

You will first need to create an account on PassTo’s mobile app. This can be done in under two minutes. All you need to provide is your email address, name and phone number. After that, just follow these four simple steps:

Is PassTo safe to use?

PassTo is authorised and regulated by the Financial Conduct Authority. It has two-factor authentication to keep your account information safe and deploys the latest technology to detect any unusual or fraudulent activity.

How does PassTo compare to other money transfer services?

Table: sorted by promoted deals first
Our table below lets you compare services you can use to send money abroad. Compare fees, exchange rates and discounts from different money transfer services, and when you have made your choice, click Go to site.
1 - 18 of 18
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
TorFX
24 hours
£0

View details
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
Wise (TransferWise)
4 hours
From £3.75

View details
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Central FX
24 hours
£0

View details
Central FX's dedicated team will guide you or your business from first call to final payment.
Currencies Direct
24 hours
£0

View details
CurrenciesDirect makes transferring money abroad simple with bank-beating exchange rates.
CurrencyTransfer
24 hours
£0

View details
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
Xe
Within minutes
£2
SPECIAL OFFER ✓ £25 Amazon voucher when you refer a friend

View details
Xe has fast transfers with low fees and a range of foreign currency tools.
PassTo
Within minutes
From £0.99

View details
Get the first 2 transfers for free and also £5 when you refer a friend. T&Cs apply.
PassTo specialises in remittances to bank accounts and cash pickup locations in 45+ countries.
Remitly
Within minutes
From £1.49
SPECIAL OFFER ✓ Get £10 off with code FINDER

View details
Get £10 off with code “FINDER” when you send £100 or more. New customers only. Offer expires 14/07/22.
Remitly has quick, affordable transfers around the world, with both express and economy options.
CurrencyFair
24 hours
£2.50

View details
Special offer: New customers get unlimited fee-free transfers for their first 3 months. T&Cs apply.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Revolut
Within minutes
From £0
SPECIAL OFFER ✓ Sign up and get a free £10 top-up plus 1 month of Revolut Premium

View details
New customers get a £10 top-up when they sign up with Finder plus a premium month for free. T&Cs apply.
Revolut is a digital bank that sends money fast to 30+ currencies, often with no fee added to the exchange rate.
WorldRemit
Within minutes
From £1.99
SPECIAL OFFER ✓ Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.

View details
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
VertoFX Business
24 hours
£0

View details
Special offer: New customers get $100 trade credit after their first transaction. T&Cs apply.
VertoFX sends money via bank transfer at competitive rates and fees in 35+ currencies.
TorFX Business
24 hours
£0

View details
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
Currencies Direct Business
24 hours
£0
SPECIAL OFFER ✓ https://www.currenciesdirect.com/en/info/refer-a-friend

View details
CurrenciesDirect makes transferring money abroad simple with bank-beating exchange rates.
Airwallex
Within minutes
£0

View details
Make business transfers to 130+ countries in 30+ currencies without international fees.
CurrencyFair Business
24 hours
£2.50

View details
Special offer: Zero fees on your first 10 transfers.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
WorldFirst Business
24 hours
£0

View details
WorldFirst sends 60+ currencies at competitive rates with no fees. If you find a better eligible quote, WorldFirst will beat it.
Wise (TransferWise) Business
2 days
From £3.75

View details
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
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