What services does Pangea offer?

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

• Send money from the US using your debit card, credit card or bank account, up to $30,000 USD per month.
• Send money to your receiver’s bank account, mobile wallet, or a cash pick up location. In Mexico, you may also send money directly to pay a bill.
• For specific offerings by country, please visit Information by Country in the left hand menu if you are on a desktop computer. If you are on a mobile device, please scroll down until you see the country you are interested in.

Where can I send money to?

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: 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 from all U.S. states except Massachusetts.
Check our exchange rates and fees to see how much your receiver will get before you send.

Where can I send money from?

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

How do I pay for my transfer?

Pangea offers multiple secure payment options for sending money internationally:

• Debit or Credit Cards: Most U.S.-issued Visa and Mastercard debit and credit cards are accepted for fast and convenient payments.
• Bank Account Transfers: When you pay directly with a U.S. bank account, you get a better exchange and transfers typically take as few as 3 business days.

Payment methods may have different processing times, exchange rates, and fees.
For more details on payment options, fees, and exchange rates, visit our Sending Money FAQs or check our Terms and Conditions.

How much money can I send?

• There are three types of limits on how much you can send. 
  • Sender limits are details in the section on Transfer Limits
  • Your recipient’s account or cash pickup location may have additional limits. 
  • Your debit card, credit card and bank account may also have limits on making funds available for you to send. 

How long will it take for my money to arrive?

Transfer times vary based on the payment method used:

• Debit or Credit Card: Most transfers arrive within minutes.
• Bank Account: Transfers typically take 3-4 business days to process.

Additionally, each cash pick-up location may have different pick up times. Transfers may be delayed if additional verification is needed or if there are issues at the receiving location.
For more details on specific countries and transfer times, please visit our FAQs by Country.

How do I create a Pangea account?

Signing up for Pangea is easy and free! You can sign up online or download our app to get started. Just follow these simple steps:

• • Enter your U.S. mobile number: We’ll send you a 6-digit confirmation code via SMS.
  • Verify your U.S. mobile number: Enter the code and select ‘Trust this device’ to skip this step for the next 30 days.
  • Create a secure password:
    • Follow the prompts to make sure your password is secure. It must be between 8 and 128 characters with:
      • 1 upper case letter
      • 1 lower case letter
      • 1 number
      • 1 special character

• • Provide your email address: This helps with password recovery and ensures you receive important transfer updates and receipts.

Now you can start sending money securely!

Why do you need a mobile phone number and email address to create an account?

Your mobile phone number and email address are used to secure your account. Your mobile phone number is a requirement to create an account whereas your email address is used for password recovery.

How is my money and personal information protected?

At Pangea, security is our top priority. We value the trust you place in us to deliver your funds safely to your loved ones, which is why we protect your money and personal data at all times. Here is how:

• Licensed & Regulated: Pangea is a registered Money Transfer Service with the U.S. Department of Treasury, complying with strict state and federal regulations.
• Advanced Security: We use industry-standard encryption (SSL) to protect your data, and our Payment Card Industry (PCI) compliance ensures the highest security standards for transactions. Multi-factor authentication (MFA) adds an extra layer of protection, and we continuously monitor transactions to detect and prevent fraud.
• Real-Time Transfer Updates: We keep you informed every step of the way with real-time notifications about your transfer’s status, so you always know where your money is.
• Reliable Customer Support: Our bilingual team is ready to assist whenever you need help.

For more details, review our Trust & Safety FAQs and Privacy Policy.

What is the referral program, and how do I share my code and receive my bonus?

Invite friends to use Pangea, and you’ll both earn a $25 USD referral bonus when they make their first transfer using your unique referral code.
Here’s how to share your code:

• Find Your Code: Log in to your Pangea account, go to the settings/menu tab, and click on “Share to Earn $25 USD.”
  • In the mobile app, tap the Menu/Settings icon at the top left and select “Share to Earn $25 USD.”
  • On the website, click the Settings icon at the top right.
• Share Your Code: Send your referral code to friends via SMS, WhatsApp, Facebook, or email by selecting the icon at the bottom of the screen.

You are able to share your code with different individuals and receive the $25 USD bonus multiple times to be applied as indicated below.

• How does my Friend Apply the Referral Code: There are three ways your friend can apply their referral code:
  • 1- If you provide your friend the code through the link icon, as shown in the screenshot above, the bonus will automatically be applied to their first transfer.
  • 2 - Once your friend has received the code and created a Pangea account, they will navigate to the settings icon in the top left of the app and click “Add Promo Code” to apply their bonus to their first transfer.
  • 3 - Once your friend has set up their transfer, they can apply the referral code by clicking “Add Promo” on the confirmation screen.
• Get Your Bonus: Once your friend completes their first transfer using your code, your $25 USD bonus will be automatically added to your account and applied to the amount you send on your next transfer. This is an automatic process and no additional action is necessary. If you are having issues with the automatic bonus application, please contact us at +1-866-858-9928.

Note: Make sure your friend uses your referral code on their first transfer; otherwise, you won't receive the bonus. The bonus cannot be withdrawn or used for any other purpose.