Pangea Money Transfer Reviews | Legit or Scam

It is possible to send money to 15 countries in Asia and Latin America through Pangea, an international money transfer service.

Payments can be made in less than 30 seconds through the Pangea app, and your recipient can either collect their money in cash from an agent location or have it deposited into their local bank account.

Pangea is unavailable in every state in the United States, so check your local availability. The following section contains a comprehensive list of the states where Pangea is available.

Comparing the various options is beneficial when determining which international payment provider might best fit your needs.

With this helpful guide, you will learn about some benefits and drawbacks of using Pangea and how it stacks up against an alternative payment service called Wise.

The following information will help you determine whether Pangea is your best international payment provider.

What is Pangea money transfer?

The company Pangea provides international payments to customers in Latin America and Asia. You can make your payment through their mobile app and use your linked bank account or debit card to complete the transaction.

If you want to send money to someone else, you’ll have to pay a transfer fee, which will vary depending on where you’re sending the money and how you choose to fund the payment.

How it Works

  • Create a new account: Visit the Pangea website and register for a free account.
  • Fill in the blanks with the information about your recipient: Inform Pangea of the location and recipient of any required funds.
  • Pangea will assist you in arranging your transfer: Enter the amount of money you wish to transfer and the method by which you wish to pay for your transfer.
  • Make a payment for your transfer: Make a local bank transfer to fund your transfer, or pay with a debit or credit card to complete the transaction.
  • Allow Pangea to take care of the rest: Pangea will convert your money into the recipient’s currency and send it to him using the pay-out option that you have selected.

What are the Fees for transferring funds?

Fees are the same regardless of how much money you transfer, but they vary depending on the country to which you send the money and how you pay.

For example, if you send money to Colombia using your US debit card, the fee is $4.95; however, if you pay with cash, the fee is $5.99.

Below is a breakdown of transfer fees:

CountryPay with a Debit/Credit CardPay with Cash
Dominican Republic$4.95$5.99
El Salvador$6.95$5.99

Inflation-adjusted exchange rate

As a result, you will know exactly how much money will arrive before you confirm your transfer because the daily exchange rate is locked and displayed in advance.

Overall, their exchange rates for cash payouts and bank account deposits in select markets are very competitive, especially compared to their competitors.

Taking a margin on the exchange rate is standard practice at Pangea, and the company follows it.

Because of this, the exchange rate that Pangea offers customers is not always the best available on the market. Any difference represents a portion of Pangea’s profit from the transaction.

Conversely, Pangea offers a better exchange rate than the mid-market rate in certain countries and, at certain times, sometimes up to 9 percent better than the mid-market rate.

Although the exchange rate margin can sometimes exceed 13 percent of the amount being sent, it is usually less than 1 percent to a couple of percentage points of the amount being sent.

Pros and Cons Pangea Money Transfer

Consider the advantages and disadvantages of Pangea’s international transfer service before deciding whether or not the company is the best choice for your transfer.

Afterward, you can compare it to other international payment providers to determine the best fit for you. Here are a couple of things to think about.


  • Transfers are quick and simple. Pangea’s online transfer process is simple, regardless of whether you use a computer or an app.
  • There are 12,000 pick-up locations. Your recipients can easily collect funds from one of Pangea’s numerous agents worldwide.
  • Promotion for referring others. You can receive a $15 discount on a future transfer by referring friends.


  • Services are limited. If you don’t live in one of the 14 states where Pangea provides service, you’ll have to look for another service provider.
  • Individuals only are permitted to participate. You’ll need to look into other options for businesses looking to schedule payments.

Where can you use Pangea?

Money transfers to Latin America and Asia are made possible through Pangea, which is currently present in the countries listed below:

Latin America:

  • Mexico
  • Guatemala
  • El Salvador
  • Honduras
  • Dominican Republic
  • Colombia


  • China
  • India
  • Philippines
  • Bangladesh
  • Indonesia
  • Malaysia
  • Singapore
  • Thailand
  • Vietnam

There are some restrictions on where you can send money from within the United States. Pangea is currently available in the following states. Still, residents of other states are encouraged to sign up for a mailing list to be notified when the service becomes available in their area:

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

States Where you can’t use Pangea

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

What is the Speed Like when sending money with Pangea?

Pangea’s money transfer speed is impressive. If you pay for the transaction with a credit or debit card, sending money for cash collection with Pangea can mean that your recipient receives it in minutes rather than hours.

If you choose to pay by bank transfer, please be aware that it will take a little longer because the funds must clear before any payments can be made.

However, when you choose to have your money deposited directly into your recipient’s bank account, the amount of time it takes will be determined by both your bank’s policies and the policies of your recipient’s bank account.

Direct deposits typically take a few business days to process, and the estimated delivery time will be provided when you model your transaction.

What is the customer’s Experience Like?

Pangea has a customer service phone line open from 9 a.m. to 6 p.m. CST Monday through Friday. You can email the support team if you have questions outside of business hours.

In addition, the Pangea website has an extensive FAQ section that may be able to provide you with the information you’re looking for – it’s very easy to navigate through.

What is the procedure for making a transfer with Pangea?

In most cases, you’ll be transferring money online – although in Illinois, you may be able to complete your transaction at a 7-Eleven convenience store.

In this case, you will not need to be concerned because the store staff will guide you through the transfer process.

To make an online transfer request, you’ll need to complete the following steps:

  • Online registration for a Pangea account is required.
  • You can create a payment by entering the amount you wish to send as a model. At this point, you can review the applicable rates and fees.
  • Confirm the recipient’s information – either their bank account information for a direct deposit, their credit card information for a money transfer or their personal information if they will collect the money in local currency in the recipient’s country of residence.
  • Make the payment – it may go through very quickly if it is a cash collection, but if it is a direct deposit, you should expect to wait several days.

What is the transfer speed of Pangea Money Transfer? How long does it take to send money through this service?

Pangea transfers are usually completed the same day if the transfer is completed using a debit or credit card or if the transfer is completed through cash pickup.

If you choose to send money via bank account transfer, the recipient will receive the money within 1-2 business days, depending on the country and the working hours of the recipient’s bank.

Consequently, in an emergency, you should transfer funds using a debit or credit card rather than from your bank account.

Although the company’s transfer speed is fast, many competitors also provide instant transfers. As a result, we give it an 8 out of 10 under this category.


What is the procedure for using Pangea’s referral program?

For every new user you refer to Pangea, who has never used the service before, your account is credited with a $15 credit that can be applied toward your next transfer.

What is the difference between Pangea’s exchange rate and the rates offered by other international money transfer services?

Pangea is upfront about its current exchange rate, and it will frequently be lower than other options when compared to them.

How much money can I send through Pangea Money Transfer?

You can send between $20 to $2,999 from a bank account or debit card. If you pay through 7-Eleven, you can send between $20 and $300.

The company has set a monthly limit of $6,000 if you pay with a debit card and $2,000 if you transfer using the services of 7-Eleven.


That’s all there is to it. Everything you need to know about Pangea, including how it works, how much it costs, and how to determine whether or not it is right for you.

To find the best service, don’t forget to compare upfront costs and fees incorporated into the exchange rates offered by international payment providers.

And if Pangea doesn’t meet your requirements, Wise is a low-cost international transfer service that uses the mid-market exchange rate to save you money.


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