# PayAngel

> 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.

PayAngel is operated by PAYINC GROUP LIMITED (England & Wales, Company No. 08126178), authorised for the provision of payment services by the Financial Conduct Authority (FRN: 608108). Regional entities are registered with FINTRAC (Canada), FinCEN (USA) and AUSTRAC (Australia).

Tagline: "Send Money Home. Pay Zero Fees."

## Core information

- [How It Works](https://payangel.com/how-it-works/): The three-step transfer process — create and verify an account, add recipient details and payout method, confirm and track the transfer.
- [Countries Covered](https://payangel.com/countries-covered/): The four send-from markets and all 13 supported destination countries, each linking to a dedicated corridor page.
- [FAQ](https://payangel.com/faq/): The most complete factual reference on the site — fees, transfer times, supported countries, verification, security and regulatory status.
- [About PayAngel](https://payangel.com/company-overview/): Company background, founding story and mission.
- [Contact Us](https://payangel.com/contact-us/): Support email, phone and WhatsApp channels.

## Products

- [Mobile Transfers](https://payangel.com/mobile-transfers/): The consumer app for sending money to Africa and South Asia. Payout by mobile wallet, bank deposit or cash pickup, with live exchange rates shown before confirming.
- [PayAngel Business](https://payangel.com/business/): Cross-border payment platform for registered businesses and organisations — collections, multi-currency wallets (GHS, USD, GBP, EUR), payouts and payroll from one dashboard. Portal at business.payangel.com.
- [PayAngel RemitCare](https://payangel.com/remitcare/): Free life and hospitalisation cover for a named beneficiary in Ghana, provided with Sanlam Allianz and activated by qualifying monthly transfers.
- [Referral Rewards](https://payangel.com/rewards/): Refer-a-friend programme paying £10 / $10 when a referred friend signs up and completes their first transfer.

## Send money to (destination corridors)

- [Send Money to Ghana](https://payangel.com/send-money-to-ghana/): GBP, USD, CAD or AUD to GHS.
- [Send Money to Nigeria](https://payangel.com/send-money-to-nigeria/): Transfers to NGN.
- [Send Money to Kenya](https://payangel.com/send-money-to-kenya/): Transfers to KES.
- [Send Money to Uganda](https://payangel.com/send-money-to-uganda/): Transfers to UGX.
- [Send Money to Cameroon](https://payangel.com/send-money-to-cameroon/): Transfers to XAF.
- [Send Money to Côte d'Ivoire](https://payangel.com/send-money-to-ivory-coast/): Transfers to XOF.
- [Send Money to Senegal](https://payangel.com/send-money-to-senegal/): Transfers to XOF.
- [Send Money to Tanzania](https://payangel.com/send-money-to-tanzania/): Transfers to TZS.
- [Send Money to Rwanda](https://payangel.com/send-money-to-rwanda/): Transfers to RWF.
- [Send Money to Mozambique](https://payangel.com/send-money-to-mozambique/): Transfers to MZN.
- [Send Money to South Africa](https://payangel.com/send-money-to-south-africa/): Transfers to ZAR.
- [Send Money to India](https://payangel.com/send-money-to-india/): Transfers to INR.
- [Send Money to Bangladesh](https://payangel.com/send-money-to-bangladesh/): Transfers to BDT.

## Guides and articles

- [Blog](https://payangel.com/blog/): Articles on international transfers, mobile money, exchange rates, diaspora finance and cross-border security.
- [Zero-Fee Online Money Transfers to Africa: How to Compare the Real Cost](https://payangel.com/zero-fee-money-transfers-to-africa/): Why the advertised fee is not the full cost, and how to compare providers on the exchange rate margin.
- [Top Services for International Mobile Wallet Transfers to Africa](https://payangel.com/mobile-wallet-international-transfers-to-africa/): Comparison of services delivering to African mobile wallets.
- [Best Ways to Send Money to Africa in 2026](https://payangel.com/best-ways-to-send-money-to-africa-2026/): Overview of transfer methods, costs and delivery speeds.

## Trust and compliance

- [Security Policy](https://payangel.com/security-policy/): Encryption, data protection and transaction security practices.
- [Ethics & Compliance](https://payangel.com/ethics-compliance/): Anti-money-laundering and regulatory compliance approach.
- [Complaints Policy](https://payangel.com/complaints-policy/): How to raise and escalate a complaint.
- [Terms and Conditions](https://payangel.com/terms-and-conditions/)
- [Privacy Policy](https://payangel.com/privacy-policy/)

## Optional

- [Campaigns](https://payangel.com/campaigns/): Current and past promotional campaigns.
- [Careers](https://payangel.com/careers/): Open roles at PayAngel.
- [Affiliates](https://payangel.com/affiliates/): Affiliate partnership programme.
- [Download the app](https://payangel.app.link): iOS and Android.