Pangea Money Transfer Review [2023] Is It Legit? Read This Before Sending Cash

A man looking happy after successfully sending money from his phone after reading a Pangea Money Transfer review.
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Interested in sending money to people in another country? Join the club. 

People sent over $758 billion in remittances in the last year alone. 

And when a lot of people are doing something, companies usually find a way to make that something even easier. Is that the case with international money transfers?

You better believe it! 

Pangea Money Transfer is one of a few companies offering cheap, convenient transactions – and in my opinion, it’s one of the best.

In this Pangea Money Transfer review, I’ll tell you why the service is legit, safe, and seriously worth using. 

What is Pangea Money Transfer?

Pangea Money Transfer is an online service for sending money around the world. You can take money from your own bank account or debit card, then send it to someone overseas – all with just a few clicks. 

And on the receiving end, the person can get the money deposited in their bank account or debit card, or they can come to a pickup location. 

Sounds convenient, right? It really is! It’s safe and secure, too. So you can be sure the money will arrive as promised.

You can use Pangea Money Transfer to send money from anywhere in the United States besides Massachusetts, New York, and Washington. 

And how about destinations? 

While Pangea Money Transfer doesn’t cover the entire world, you can use it to send money to 25 countries in Latin America, Europe, Africa, and Asia. This includes popular destinations for remittances like Mexico, El Guatemala, India, and the Philippines. 

View for Pangea Money Transfer user dashboard when sending U.S. dollars to Mexico.
Pangea Money Transfer gives you a convenient way to send money to 25 countries around the world, including Mexico. 
Source: Pangea Money Transfer

How Does Pangea Money Transfer Work?

Pangea Money Transfer promises a frictionless experience. Thanks to a straightforward process, it usually delivers. 

When you click “sign up” on the website, Pangea Money Transfer will immediately walk you through the process of completing your first transfer. You’ll have to enter the recipient’s name, then choose your delivery method.

There are three ways to deliver money through Pangea Money Transfer:

  1. Debit card deposit
  2. Cash pickup
  3. Bank deposit

Once you’ve chosen your delivery option, you’ll have to enter your full name and address, then choose your payment method.

There are two ways to pay for Pangea Money Transfer transactions:

  1. A debit card (transfer takes just minutes)
  2. Funds taken directly from your bank account (transfer happens within 5 business days)

With both payment methods, you’ll be charged $3.95. But that fee is waived if you send $500 or more.

Pangea Money Transfer is a flexible service, allowing you to do more than simply send money to your loved ones abroad. You can also use Pangea Money Transfer to pay people’s bills directly. Now that’s a favor they’ll appreciate!

And here’s one last piece of good news: Pangea Money Transfer has a mobile app you can use to quickly send money with your smartphone. Yup, transferring money doesn’t have to be a big ordeal. You can even do it from the checkout line at the supermarket!

Pangea Money Transfer will ask users to confirm all receipt details prior to initiating a money transfer.
With the highly-rated Pangea Money Transfer Mobile app, you can easily send money right from your phone.
Source: Pangea Money Transfer

Is Pangea Money Transfer Legit? 

Pangea Money Transfer is absolutely a legit company for sending money abroad.

And in this Pangea Money Transfer review, I’m not just going to ask you to take my word for it!

I’ve compiled some solid evidence for why Pangea Money Transfer deserves your trust:

  • The Better Business Bureau (BBB) gives the company an A+ rating.
  • The Pangea Money Transfer app has a 4.8-star rating on the Apple App Store.
  • Users on the Trustpilot review site give Pangea Money Transfer 4.6 stars. 

Those are some impressive ratings, so I’m pretty positive Pangea Money Transfer isn’t ripping people off!

Is Pangea Money Transfer Safe?

Security is a priority for Pangea Money Transfer. And as far as I can tell, they do a good job of protecting people’s money.

Pangea Money Transfer conducts 24/7 surveillance for fraud. So if something fishy happens, they’ll catch it right away. 

And Pangea’s 4.6-star rating on Trustpilot shows that most people aren’t encountering any issues with safety.

Pros and Cons of Pangea Money Transfer

It’s time for this Pangea Money Transfer review to get even more specific with the pros and cons to watch out for. 


  • Fast and convenient service. You can send money abroad in a matter of minutes. 
  • Excellent mobile app. Apple users give the Pangea Money Transfer app a 4.8-star rating for a reason: It’s seriously convenient!
  • Lucrative referral program. You’ll earn $25 when a friend signs up with your personal invite code. How’s that for easy money?


  • You can only send money from the United States. And even in the U.S., the service is unavailable in New York, Massachusetts, and Washington.
  • $3.95 transfer fee. The good news is that you can avoid the fee when you send $500+.
  • Transfer limits of $6,000 per day and $10,000 per month. And these limits are only available after the company receives and approves “additional information.” When you first open your account, you can only send $2,999 per transaction and $6,000 per month.

Pangea Money Transfer Reviews

A quick peek at Pangea Money Transfer reviews is enough to establish a basic fact: This service is seriously popular with users!

I found one Pangea Money Transfer review from someone who calls the app “easy to navigate.” They also mention that they “receive compensation for every referral.”

A positive Pangea Money Transfer review from a user who finds the app easy to navigate.
A user says they’re “overall satisfied” with Pangea Money Transfer.
Source: Trustpilot

Another Pangea Money Transfer review pointed out that “charges have been reasonable.” It’s always nice to know that a service’s prices seem fair to the users!

A glowing Pangea Money Transfer review from someone who thinks the rates are “fair.”
In a review on Trustpilot, someone calls Pangea Money Transfer a “superior remittance service.”
Source: Trustpilot

In one Pangea Money Transfer review, someone says the app is easy to use, but they complain that they have to call to confirm their identity every time they complete a transfer. 

That sounds annoying for sure – but it’s also nice to confirm that the company actively protects against fraud.

A three-star Pangea Money Transfer review from a user who believes the all is “a little expensive.”
A mixed Pangea Money Transfer review praises the app but complains about having to call to complete transfers.
Source: Trustpilot

But as with pretty much any product or service, there are horror stories about Pangea Money Transfer. 

One person says the money for a transfer was taken out of their bank account, but it was never delivered. That’s just about the worst-case scenario with a money transfer service! 

The good news is that these stories are few and far between.

A negative Pangea Money Transfer review from a user who had trouble actually getting their money sent.
In a negative Pangea Money Transfer review, a user says their money was taken from their account but never delivered. 
Source: Trustpilot 

Pangea Money Transfer Reviews Reddit

Surprisingly few people are talking about Pangea Money Transfer on Reddit. Maybe that’s a good sign. After all, when people talk about a service online, it’s often to complain. 

I did find one Redditor praising Pangea Money Transfer back in 2017. They call the service an easy and safe way to send money to Mexico.

A Pangea Money Transfer review from a person on Reddit that likes using the service to send money to Mexico.
A Pangea Money Transfer review on Reddit calls the service “super easy” to use.
Source: Reddit

And sure, this guy seems to be fishing for a referral bonus, but his enthusiasm for the service seems pretty genuine all the same!

Is Pangea Money Transfer Worth It?

Pangea Money Transfer is worth it as long as you live in a state that offers it and as long as you’re sending the money somewhere on the list of possible destinations. 

Luckily, Pangea Money Transfer is available in all but three states (Massachusetts, New York, and Washington), and you can use it to send money to 25 different countries.

So here’s my advice:

First, decide which country you’ll be sending money to the most. Then, check Pangea Money Transfer’s list of available destinations.

Is your country on the list? If it is, then sign up! 

The exchange rates are competitive, the service is fast, and the charges are reasonable. That adds up to make Pangea Money Transfer a fantastic choice for sending money abroad.

Commonly Asked Questions About Pangea Money Transfer

What are Alternatives to Pangea Money Transfer?

Pangea Money Transfer is just one of the ways to send money abroad. Other options include:

Is Pangea Money Transfer a Scam? 

Pangea Money Transfer definitely isn’t a scam. It’s a legit money transfer service with 4.6 stars on Trustpilot and an A+ rating from the Better Business Bureau. 

What is The Catch With Pangea Money Transfer? 

There’s no “catch” with Pangea Money Transfer, but there are a few downsides:

  • You pay $3.95 per transfer (unless the transfer is $500 or over).
  • You can only send up to $6,000 a month (or $10,000 if you give additional information).
  • Only 25 countries can receive transfers.

Is Pangea a Legit Company?

Pangea is a totally legit company with headquarters in Chicago, IL. And in 2019, it was acquired by Enova International – which is a massive, publicly traded corporation. 

How Long Does Pangea Money Transfer Take? 

If you use your debit card to fund the transfer, Pangea Money Transfer takes just a few minutes. If you use your bank account, it could take up to 5 business days.