For many families, sending money abroad is part of everyday life. Sometimes, though, the transfer goes beyond helping with groceries or covering a bill. It could be a down payment on a home, paying for medical expenses, or funding a child’s education. These are big milestones and they often mean sending more than usual.
If you’re planning a large transfer, it’s important to know the best practices to make sure your money arrives quickly, securely, and with the most value possible. That’s why we’ve put together these essential tips to help you through the process.
Choose a Trusted Provider
When sending a large amount of money, you want to make sure you’re choosing a provider that is reliable. Not all providers are the same: some advertise great exchange rates but are not fully licensed — putting your hard-earned money at risk.
Look for a provider that:
- Is licensed in the U.S.
- Offers real-time tracking so you can see where your money is every step of the way
- Uses advanced security measures to protect your account
- Provides transparent exchange rates and fees
- Has a reliable customer service team
Pangea Money Transfer checks all of these boxes, giving you peace of mind that your money is in safe hands.
Understand Limits and Fees
Every provider sets its own cap for large transfers, and in many cases, these limits are low. That can force you to split one large transfer into several smaller ones, paying extra fees along the way.
At Pangea, we’ve raised our sending limits to make things easier. Now you can send up to $30,000 every 30 days — whether it’s for a big purchase, helping with a family emergency, or supporting your loved ones in a major way. Find more information on our blog Bigger Transfer, Better Rates: Pangea Expands Sending Limits to $30,000 USD.
Even better, higher transfer amounts unlock better exchange rates. For example, when you send over $500 to Mexico, over $300 USD to Guatemala, or over $100 USD to the Philippines, you’ll see “Large Transfer Rate” on your receipt — automatically giving you more value for every dollar you send.
Be Smart About Timing and Exchange Rates
The exchange rate sets the final amount your loved ones will receive. For large transfers, even the smallest shift in rates can make a meaningful difference.
Here are a few tips to maximize value:
- Monitor rates regularly. Exchange rates change daily or even hourly.
- Plan ahead. Avoid last-minute transfers when possible so you can choose the best timing.
- Use the FX calculator. Pangea’s app and website show you the exact amount that your receiver will get before you send.
Prepare Your Documentation in Advance
Large amounts of money often require additional verification for security and compliance reasons. This may include providing an ID, proof of address, and information about the purpose of your transfer.
To avoid delays, gather any necessary documents ahead of time. With Pangea, the process is simple. If verification is required, you’ll be guided step by step. To learn more about our limit levels, read the blog ‘How Pangea Money Transfer Works: Limits, Fees, and Safety’.
Double-check Receiver Details
Accuracy matters — especially with large transfers. For example, a misspelled receiver or the wrong account number could cause some delays or even prevent your money from going through.
Before sending a transfer, make sure of the following details:
- Match the receiver’s name as it appears on their ID
- Confirm the bank account details
- Review your receipt for accuracy before clicking ‘Send’
Taking an extra minute could be valuable and save you time and also stress later on.
Stay Alert Against Scams
Unfortunately, scams often target large transfers. Fraudsters may pretend to be relatives in need, government officials, or even trusted institutions.
Protect yourself by:
- Only sending money to people you know and trust
- Being wary of urgent requests that pressure you to act quickly
- Never sharing your login with anyone
With strong security measures in place, Pangea helps you keep your money safe every step of the way.
Make Every Transfer Count
Large amounts of money carry a lot of meaning because they represent hard work and sacrifices. By choosing the right provider and preparing carefully, you can make sure your transfer process will be smooth and secure.
At Pangea, we’re here to support you through life’s big moments. With the ability to send up to $30,000 USD every 30 days depending on your sending limit and the option of unlocking better rates for certain countries as mentioned above, you have everything to make your support go even further.
Ready to make your next big transfer? With Pangea, you can send more, save more and always stay in control.
DISCLAIMER – This content is for informational purposes only. Pangea and its affiliates do not provide financial, legal, investment or tax advice.
