šŸ† Trusted by 3M+ Europeans

Send money globally.
Save up to 8x on fees.

No hidden charges. Real exchange rates. Lightning-fast transfers to 180+ countries. Your money arrives in minutes, not days.

āš” Instant transfers
šŸ”’ Bank-level security
šŸ’° Real exchange rates
PSD2 Compliant
GDPR Protected
FCA Regulated

Calculate your savings

See how much you'll save vs traditional banks

Exchange rate 1 EUR = 1.0955 USD
Our fee ā‚¬2.50 (0.25%)
Transfer time āš” Instant
šŸ’ø You save vs banks: ā‚¬76.50
Traditional banks would charge ā‚¬79 in hidden fees

āœ“ No hidden fees  ā€¢  āœ“ Cancel anytime  ā€¢  āœ“ 24/7 support

ā‚¬12B+
Transferred monthly
3M+
Happy customers
180+
Countries

Trusted partner of leading banks & financial institutions

Send money in 3 simple steps

Fast, secure, and transparent. No surprises.

1
šŸ‘¤

Create account

Sign up in minutes. Verify your identity securely with our PSD2-compliant process.

2
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Add money

Fund your account via bank transfer, card, or Apple Pay. Instant confirmation.

3
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Send & track

Transfer money globally. Track in real-time. Arrives in minutes, not days.

Why 3M+ Europeans choose PayFlow

Everything you need for fast, secure international payments

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Real exchange rates

We use the mid-market rate ā€” the same one you see on Google. No markup, no hidden fees.

See our rates ā†’
āš”

Lightning fast

80% of transfers arrive instantly. The rest within 24 hours. Track every step in real-time.

Check transfer times ā†’
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Bank-level security

Your money is protected by 256-bit encryption. We're regulated by FCA and comply with PSD2.

Learn about security ā†’
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180+ countries

Send to almost anywhere in the world. Support for 50+ currencies and local payment methods.

See all countries ā†’
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Mobile-first app

Manage everything on the go. iOS & Android apps rated 4.8/5 by 500K+ users.

Download app ā†’
šŸŽÆ

Multi-currency account

Hold money in 50+ currencies. Get local bank details for EUR, GBP, USD and more.

Open account ā†’

Compare our fees vs traditional banks

See why millions choose PayFlow for international transfers

Transfer of ā‚¬1,000 Traditional Banks Other Providers
Transfer fee ā‚¬2.50 ā‚¬25 - ā‚¬45 ā‚¬15 - ā‚¬30
Exchange rate markup ā‚¬0 Real rate ā‚¬30 - ā‚¬50 ā‚¬10 - ā‚¬25
Hidden fees ā‚¬0 ā‚¬5 - ā‚¬15 ā‚¬5 - ā‚¬10
Total cost ā‚¬2.50 ā‚¬60 - ā‚¬110 ā‚¬30 - ā‚¬65
Transfer time āš” Instant 3-5 days 1-2 days
You save Save up to ā‚¬107.50 ā€” ā€”

šŸ’” Example based on EUR to USD transfer of ā‚¬1,000. Traditional bank fees vary. Our fees are always transparent and shown upfront.

Start Saving Today

No credit card required ā€¢ Cancel anytime ā€¢ 24/7 support

Trusted by millions across Europe

See what our customers say about us

ā­ā­ā­ā­ā­

"Switched from my bank to PayFlow and saved over ā‚¬200 in the first month alone. The app is incredibly easy to use and transfers are instant. Highly recommend!"

Maria Silva
Maria Silva
Freelancer, Portugal šŸ‡µšŸ‡¹
ā­ā­ā­ā­ā­

"As a business owner sending payments to suppliers in Asia, PayFlow has been a game-changer. Real exchange rates and lightning-fast transfers. No more surprises."

Lars Jensen
Lars Jensen
CEO, Denmark šŸ‡©šŸ‡°
ā­ā­ā­ā­ā­

"I send money to my family in India every month. With PayFlow, they receive it in minutes, not days. The fees are transparent and way cheaper than Western Union."

Priya Patel
Priya Patel
Software Engineer, Netherlands šŸ‡³šŸ‡±
4.8
ā­ā­ā­ā­ā­
Excellent

Based on 127,493 reviews on Trustpilot

Your money is safe with us

Bank-level security and full regulatory compliance

šŸ›”ļø

PSD2 Compliant

Fully compliant with EU's Payment Services Directive 2. Strong customer authentication protects every transaction.

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GDPR Protected

Your data is protected under GDPR. We never sell your information to third parties. Your privacy is our priority.

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FCA Regulated

Authorized and regulated by the Financial Conduct Authority (FCA). Your funds are safeguarded in segregated accounts.

šŸ”’

256-bit Encryption

Military-grade encryption protects your data. Same security standards as major banks and financial institutions.

āœ…

2FA Authentication

Two-factor authentication adds an extra layer of security. Biometric login (Face ID / Touch ID) available on mobile.

šŸ””

24/7 Monitoring

Advanced fraud detection monitors every transaction. Instant alerts for suspicious activity. Your account is always protected.

Certified & Regulated by

FCA
PSD2
GDPR
ISO 27001
SOC 2 Type II

Transparent fees for all currencies

No hidden charges. See exactly what you'll pay before you send

Currency Route Transfer Fee Exchange Markup Speed
šŸ‡ŖšŸ‡ŗ EUR ā†’ šŸ‡ŗšŸ‡ø USD ā‚¬2.50 (0.25%) ā‚¬0 (Mid-market) Instant
šŸ‡¬šŸ‡§ GBP ā†’ šŸ‡ŖšŸ‡ŗ EUR Ā£2.00 (0.25%) Ā£0 (Mid-market) Instant
šŸ‡ŗšŸ‡ø USD ā†’ šŸ‡®šŸ‡³ INR $3.00 (0.30%) $0 (Mid-market) 1-2 hours
šŸ‡ŖšŸ‡ŗ EUR ā†’ šŸ‡ÆšŸ‡µ JPY ā‚¬2.50 (0.25%) ā‚¬0 (Mid-market) 1-2 hours
šŸ‡ØšŸ‡­ CHF ā†’ šŸ‡¦šŸ‡ŗ AUD CHF 3.00 (0.30%) CHF 0 (Mid-market) 1-2 days

šŸ“Š See fees for 180+ countries: Use our calculator above to get exact pricing for your transfer.

Ready to save on your international transfers?

Join 3M+ Europeans who've already saved over ā‚¬2 billion in fees

āœ“ Free account setup āœ“ No monthly fees āœ“ Cancel anytime
šŸ“±
ā‚¬2,450.00
šŸ‡ŖšŸ‡ŗ EUR šŸ‡ŗšŸ‡ø USD šŸ‡¬šŸ‡§ GBP