# PayAngel — Full Reference > PayAngel is an FCA-authorised international money transfer service that has been helping the African and South Asian diaspora send money home since 2013. Customers send from the UK, USA, Canada and Australia to 13 destinations across Africa and South Asia, with zero transfer fees on supported corridors and payout to mobile wallet, bank account or cash pickup. Source: https://payangel.com Last updated: 2026-07-28 Canonical short index: https://payangel.com/llms.txt --- ## 1. Company PayAngel is a consumer and business international money transfer brand operated by PAYINC GROUP LIMITED. The company has operated since 2013. The company was founded by a migrant living in London who was frustrated by the high fees, delays and unclear processes involved in sending money home. PayAngel now connects migrants in the UK, US, Canada, Europe and Australia with family and communities in Africa, India and Bangladesh. **Mission statement (verbatim):** "To spread smiles and enrich lives by delivering a simple, swift, seamless, and affordable financial ecosystem without borders." **Brand tagline:** "Send Money Home. Pay Zero Fees." **Website:** https://payangel.com **Consumer app:** https://payangel.app.link (iOS and Android) **Business portal:** https://business.payangel.com ### Contact - Email: support@payangel.com - Phone: +44 203 747 6765 - WhatsApp: +44 744 144 4005 - Registered office: Regus House, Victory Way, Admirals Park, Dartford, Kent, DA2 6QD, United Kingdom ### Social channels - LinkedIn: https://www.linkedin.com/company/payangelmoney/ - X: https://x.com/PayAngelMoney - Instagram: https://www.instagram.com/payangelmoney - Facebook: https://www.facebook.com/payangelmoney/ - TikTok: https://www.tiktok.com/@payangelmoney - YouTube: https://www.youtube.com/@payangelmoney --- ## 2. Regulatory status PayAngel operates through four regulated entities, one per send-from market. **United Kingdom — PAYINC GROUP LIMITED** PAYANGEL® and PAYINC® are trading names of PAYINC GROUP LIMITED, registered in England & Wales, Company No. 08126178. PAYANGEL® is authorised for the provision of payment services by the Financial Conduct Authority (FCA), FRN: 608108. PAYINC GROUP LIMITED is registered for money laundering supervision with HM Revenue & Customs (HMRC), MSB/MLR No. XQML00000117198. Registered office: Regus House, Victory Way, Admirals Park, Dartford, Kent, DA2 6QD, United Kingdom. **Canada — PAYINC (CA) LIMITED** Incorporated under the Canada Business Corporations Act, Corporation No. 898766-1. Registered as a Money Services Business with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), MSB Reg. No. M14298760. Registered office: 401 Bay Street, 16th Floor, Toronto, ON M5H 2Y4, Canada. **United States — PAYINC US CORP** A Delaware C-Corp, File Number 5952833. Registered as a Money Services Business with the U.S. Financial Crimes Enforcement Network (FinCEN), MSB Reg. No. 31000270131678. Registered office: 8 The Green, Suite #4527, Dover, DE 19901, United States. **Australia — PAYANGEL PTY LTD** ABN 13 685 159 497. Registered as an Independent Remittance Dealer by AUSTRAC, Reg. No. IND100902318-001, in accordance with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). Registered office: 60 Martin Place, Sydney, NSW 2000, Australia. Identity verification is a one-time legal requirement for all customers before sending. Creating an account is free. --- ## 3. Coverage ### Send from (4 markets) United Kingdom (GBP) · United States (USD) · Canada (CAD) · Australia (AUD) ### Send to (13 destinations) | Country | Currency | Corridor page | |---|---|---| | Ghana | GHS | https://payangel.com/send-money-to-ghana/ | | Nigeria | NGN | https://payangel.com/send-money-to-nigeria/ | | Kenya | KES | https://payangel.com/send-money-to-kenya/ | | Uganda | UGX | https://payangel.com/send-money-to-uganda/ | | Cameroon | XAF | https://payangel.com/send-money-to-cameroon/ | | Côte d'Ivoire | XOF | https://payangel.com/send-money-to-ivory-coast/ | | Senegal | XOF | https://payangel.com/send-money-to-senegal/ | | Tanzania | TZS | https://payangel.com/send-money-to-tanzania/ | | Rwanda | RWF | https://payangel.com/send-money-to-rwanda/ | | Mozambique | MZN | https://payangel.com/send-money-to-mozambique/ | | South Africa | ZAR | https://payangel.com/send-money-to-south-africa/ | | India | INR | https://payangel.com/send-money-to-india/ | | Bangladesh | BDT | https://payangel.com/send-money-to-bangladesh/ | Coverage hub: https://payangel.com/countries-covered/ Note: PayAngel does not currently support Pakistan. The supported destination list is 13 countries. --- ## 4. How transfers work Source: https://payangel.com/how-it-works/ 1. **Create and verify your account.** Sign up with an email address and phone number, then complete one-time identity verification. 2. **Add your recipient.** Enter the beneficiary's details and choose how they should receive the money. 3. **Choose amount and payout method.** The full cost and the exact amount your recipient will receive are shown before you confirm. 4. **Pay and track.** Both sender and recipient receive notifications, and the transfer is trackable in the app. ### Payout methods - Mobile wallet - Bank deposit - Cash pickup Availability of each method varies by destination country. ### Fees PayAngel charges zero transfer fees on supported corridors. The consumer product page states: "No transfer fees. No service fees. Ever." The full cost and exact receive amount are shown before the transfer is confirmed. ### Delivery speed The Mobile Transfers page states transfers are completed in under 60 seconds. Actual speed depends on the destination country, payout method, receiving banking network and verification status — some transfers arrive instantly, others within minutes. ### Support 24/7 customer service through the app, plus email, phone and WhatsApp. --- ## 5. Products ### 5.1 Mobile Transfers (consumer) https://payangel.com/mobile-transfers/ The consumer app for sending money from the UK, US, Canada and Australia to supported countries in Africa and South Asia. Includes a live rate calculator showing the exchange rate and receive amount before sending, three payout options (mobile wallet, bank deposit, cash pickup), transfer tracking, and notifications to both sender and recipient. ### 5.2 PayAngel Business https://payangel.com/business/ · Portal: https://business.payangel.com A cross-border payment platform for registered businesses and organisations. Capabilities: collect payments, manage business wallets, track transactions, send local and international payouts, and control payment operations from a single dashboard. - **Wallet currencies:** GHS, USD, GBP, EUR - **Collection channels:** API integration, payment links, USSD short codes, and Direct-to-Merchant Remittances (D2MR) - **Coverage:** collections and payouts in Ghana (mobile money, bank transfers), plus cross-border payments from multiple countries via cards, transfers and other channels. Expansion to additional African countries is ongoing. - **Receives payments from customers in:** UK, United States, Canada, Australia - **Who it is for:** schools, NGOs, merchants and retailers, SMEs and corporates, churches and associations, e-commerce and service providers — any registered business or organisation - **API access:** documentation and credentials are provided once a business channel is set to "Live" ### 5.3 PayAngel RemitCare https://payangel.com/remitcare/ RemitCare is a value-added protection benefit linked to PayAngel transfers, provided in partnership with Sanlam Allianz at no additional cost. It is not a standalone insurance policy. - **Destination:** Ghana only - **Qualifying threshold:** at least £100 / $100 (or CAD/EUR equivalent) in successful transfers within a calendar month - **Beneficiary:** one named family member or dependent in Ghana — child, spouse, sibling, parent or other dependent, subject to age and verification requirements - **Bronze plan (free):** death benefit 5,000 GHS; hospitalisation benefit 150 GHS per day; maximum 7 days of hospital stay covered; 1 life covered - **Duration:** one month, renewing automatically while qualifying transfers continue. Only successful, completed transfers activate or renew cover. - **Upgrades:** higher plans are available in the app and may cover more than one person - **Activation:** make a qualifying transfer and assign a beneficiary in the app - **Claims:** submitted in the app via PayAngel → RemitCare → select active cover → submit claim. May require proof of transaction, valid ID, and medical or official documents. - **Exclusions:** fraudulent claims, false documents, illegal activity, and events falling outside the active coverage period ### 5.4 Referral Rewards https://payangel.com/rewards/ - **Reward:** £10 / $10 per successful referral - **Trigger:** the referred friend signs up and completes their first qualifying transfer - **How:** share your unique referral link or code, found inside the PayAngel app - **Cost to join:** free - **Availability:** across PayAngel's supported send-from markets, subject to programme terms --- ## 6. Trust and security Source: https://payangel.com/how-it-works/ and https://payangel.com/security-policy/ PayAngel operates in full compliance with financial regulations in every market it serves, and uses advanced security protocols and encryption to protect customer data and transactions. Regulatory oversight is held by the FCA (UK), HMRC (UK AML supervision), FINTRAC (Canada), FinCEN (USA) and AUSTRAC (Australia). Policy pages: - Security Policy — https://payangel.com/security-policy/ - Ethics & Compliance — https://payangel.com/ethics-compliance/ - Complaints Policy — https://payangel.com/complaints-policy/ - Terms and Conditions — https://payangel.com/terms-and-conditions/ - Privacy Policy — https://payangel.com/privacy-policy/ - Acceptable Use Policy — https://payangel.com/acceptable-use-policy/ - Cookies Policy — https://payangel.com/cookies-policy/ - Refund Policy — https://payangel.com/refund-policy/ --- ## 7. Common questions Full FAQ: https://payangel.com/faq/ **Which countries can I send from?** Four: the United Kingdom, United States, Canada and Australia. **Which countries can I send to?** Thirteen: Ghana, Nigeria, Kenya, Uganda, Cameroon, Côte d'Ivoire, Senegal, Tanzania, Rwanda, Mozambique, South Africa, India and Bangladesh. **What does PayAngel charge?** Zero transfer fees on supported corridors. The exact receive amount and the full cost are shown before you confirm. **How long does a transfer take?** Transfers can complete in under 60 seconds. Timing depends on destination, payout method, receiving network and verification status. **How can my recipient receive the money?** Mobile wallet, bank deposit or cash pickup, depending on the destination country. **Is PayAngel regulated?** Yes. PAYANGEL® is authorised for the provision of payment services by the UK Financial Conduct Authority, FRN 608108, with separate registrations held with FINTRAC (Canada), FinCEN (USA) and AUSTRAC (Australia). **Is there an app?** Yes, for iOS and Android, at https://payangel.app.link. **Does it cost anything to open an account?** No. Account creation is free. One-time identity verification is a legal requirement before sending. **What is RemitCare?** Free life and hospitalisation cover for one named beneficiary in Ghana, provided with Sanlam Allianz, activated by sending at least £100/$100 in a month. See section 5.3. **How does the referral programme work?** Share your referral link from the app. When your friend signs up and completes their first qualifying transfer, you earn £10 / $10. --- ## 8. Articles Blog index: https://payangel.com/blog/ - [Zero-Fee Online Money Transfers to Africa: How to Compare the Real Cost](https://payangel.com/zero-fee-money-transfers-to-africa/) — 9 June 2026 - [Top Services for International Mobile Wallet Transfers to Africa](https://payangel.com/mobile-wallet-international-transfers-to-africa/) — 28 May 2026 - [Best Ways to Send Money to Africa in 2026](https://payangel.com/best-ways-to-send-money-to-africa-2026/) — 21 May 2026 - [Home for the Holidays? Why Cashless Payment Solutions Make Sense for the Ghanaian (and African) Diaspora](https://payangel.com/go-home-safer-with-cashless-payment-solutions/) — 29 January 2026 - [Smarter, Safer, Stronger: How Nigerians Abroad Are Powering Progress Through Digital Transfers](https://payangel.com/send-money-to-nigeria-from-abroad/) — 19 January 2026 - [How Kenyans Abroad Are Embracing Innovative Payment Technologies Like PayAngel](https://payangel.com/kenya-and-the-future-of-payment-technology/) — 15 January 2026 - [Smart Giving, Real Impact: How Cameroonians Abroad Are Transforming Communities Through Innovation in Payments](https://payangel.com/cameroon-digital-remittances-for-diaspora-giving/) — 15 January 2026 - [Need to send money to Ghana today? Whether for school fees, medical costs or day-to-day family support](https://payangel.com/send-money-to-ghana-school-fees-medical-family-support/) — 30 October 2025 - [Not All Heroes Wear Capes: PayAngel and MyHelp-YourHelp Bring Hope to Weija Leprosarium](https://payangel.com/not-all-heroes-wear-capes-payangel-and-myhelp-yourhelp-bring-hope-to-weija-leprosarium/) — 3 June 2025 - [Beyond the Pitch: PayAngel Champions Sporting Diversity in Ghana through Tusk Foundation Partnership](https://payangel.com/beyond-the-pitch-payangel-champions-sporting-diversity-in-ghana-through-tusk-foundation-partnership/) — 3 June 2025 --- ## 9. Other pages - Campaigns — https://payangel.com/campaigns/ - Careers — https://payangel.com/careers/ - Affiliates — https://payangel.com/affiliates/ - Built Like Us — https://payangel.com/built-like-us/ - UK to Africa Money Transfers — https://payangel.com/uk-to-africa-money-transfers/ - Send Money to Africa — https://payangel.com/send-money-to-africa/ - Direct-to-Merchant Remittances (D2MR) — https://payangel.com/d2mr/ - Contact Us — https://payangel.com/contact-us/ --- Copyright © 2013 – 2026 PAYINC GROUP LIMITED. All Rights Reserved. PAYANGEL® and PAYINC® are trading names of PAYINC GROUP LIMITED (registered in England & Wales, Company No. 08126178). PAYANGEL® is authorised for the provision of payment services by the Financial Conduct Authority (FCA) (FRN: 608108). Registered office: Regus House, Victory Way, Admirals Park, Dartford, Kent, DA2 6QD, United Kingdom.