Promotional Terms

Last modified: June 26, 2023

These promotional terms (“Promotional Terms”) constitute an agreement between you (the “Customer,” “Sender,” or “User” as defined in the Terms & Conditions which can be found at and Pangea (“Pangea,” “us,” “our,” and “we”). This agreement is a “Supplemental Term” as defined in the Terms & Conditions which are incorporated by reference in its entirety.

Promotional Codes
Pangea may, in Pangea’s sole discretion, create promotional codes that may be redeemed for account credit or other features or benefits related to a third-party provider’s services, subject to terms that Pangea establishes on a per promotional code basis (“Promo Codes“). You agree that Promo Codes: (a) must be used by the intended audience, for the intended purpose, and in a lawful manner; (b) may not be duplicated, sold or shared in any manner, or made available to the general public, unless expressly permitted by Pangea; (c) may be disabled by Pangea at any time for any reason without liability to Pangea; (d) may only be used pursuant to the specific terms that Pangea establishes for such Promo Code; (e) are not redeemable for cash; and (f) may expire prior to your use. Pangea reserves the right to withhold or deduct credits or other features or benefits obtained through the use of Promo Codes by you or any other user in the event that Pangea determines or believes that the use or redemption of the Promo Code was in error, fraudulent, illegal, or in violation of these Terms. Promo Codes are valid only for users that reside in a state in which Pangea operates.

Personal Invite Code aka Personal Promo Code
You can earn bonuses by inviting friends and family to download and make a first transfer using your personal invite code (“Personal Invite Code”). After creating your Pangea account, you will receive a personal invite code. If you share that code with friends or family, they can each receive a bonus dollar amount off their transfer of at least $20 or equivalent (excluding fees). Bonus dollar amounts vary by region and are subject to change. If the total transfer is at least $20 or more (excluding fees), you’ll get the bonus after their transfer has successfully completed. You can use your bonus on a future transfer of at least $20 or more (excluding fees). Bonuses are not redeemable for cash.
Your Personal Invite Code may only be used for personal and non-commercial purposes. Feel free to share your invite code with your friends and family via email, SMS, WhatsApp, Facebook pages, personal blogs, etc. where you are the primary content owner. However you may not distribute your invite code on sites where you are a contributor but not the primary content owner (e.g., Wikipedia, coupon websites, app stores and app review websites) and you cannot promote your invite code via search engine marketing platforms (e.g., AdWords/Yahoo/Bing). Pangea reserves the right to cancel a Personal Invite Code if they suspect abuse or fraud. You will not be able to invite (i) yourself, (ii) anyone who uses the same debit card as you do, or (iii) someone who uses the same mobile device as you do.

Personal Invite Codes cannot be redeemed if the recipient has already received 3 transfers or more on the Pangea platform or two transfers in the last 12 months.

Only one Personal Invite Code can be redeemed per sender.

Bonuses earned through the Personal Invite Code expire 120 days from the date they are earned. Bonuses will be applied to transfers in USD currency and may not be combined with another coupon or discount. Other restrictions may apply.

If you breach any of the rules applicable to Personal Invite Codes, Promo Codes, or bonuses, Pangea may remove credits from the account holder, cancel a Promo Code or bonus, and/or suspend your account without notice.

FX Promotion
You may be eligible to make a transfer of up to $500 to Mexico or the Philippines at the foreign exchange rate (“Promo Rate”) published on our Pangea landing webpage or mobile application that linked to these Promotional Terms (“FX Promotion”). Any transfer amounts greater than $500 will be converted at the standard foreign exchange rates. The FX Promotion is available to first time Customers or existing Customers who have not made a transfer in 365 days and is not valid with any other offer. The Promo Rate will be applied automatically to your qualifying transfer and cannot be used on subsequent transfers. The Promotion will not be valid for any qualifying transaction that is otherwise cancelled either by you or by Pangea. The Promo Rate is subject to change without notice at Pangea’s discretion.

Timing, Cancellation, and Penalties
The credit of any bonus will occur only if all Promotional Terms are followed as determined by the sole discretion of Pangea. Pangea reserves the right to cancel, suspend, or modify any Personal Invite Code, Promo Code, Promo Rates or Personal URL (or the corresponding Promotional Terms) at any time. If you breach any of the terms applicable to Personal Invite Codes, Promo Codes, Personal URLs, FX Promotion, or bonuses, Pangea may remove credits from the account holder, and/or cancel a Personal Invite Code, Promo Code, Personal URL, or bonus, and/or suspend your account without notice.