PayAngel — Money Transfer

PAYINC GROUPLIMITED

About this app

Send Money Home in Seconds — Fast, Secure, and Built for the Diaspora
PayAngel is the only money transfer app with free life insurance embedded in each transaction. Designed specifically for diasporans who live abroad and support life back home, PayAngel gives you a safer, cheaper, and faster way to send money with complete peace of mind.
Whether you're paying school fees, covering hospital bills, keeping the lights on, supporting family, or celebrating life’s special moments, PayAngel ensures your money arrives instantly, securely, and with zero fees — every single time.
Send money from the UK, US, Canada, Australia, and Europe to Ghana, Nigeria, Kenya, South Africa, India, Bangladesh and more — delivered in seconds.
Built around the real needs of the diaspora, PayAngel combines unbeatable exchange rates, instant delivery, free life insurance on every transfer, and 24/7 human support in your language to give you a smarter, more reliable way to stay connected to home.
Why Choose PayAngel?
We don’t just move money — we connect families. PayAngel combines smart technology with human empathy to give you:
• Instant deliveries — 98% of transfers arrive in under 60 seconds*
• Zero transfer fees — keep more of your hard-earned money
• Unbeatable exchange rates across Africa
• Free built-in life insurance with every transfer
• Real human customer support available 24/7
• Secure transfers to bank accounts, mobile wallets & cash pickup points
• The fastest sign-up experience — get started in seconds
• Open banking payments for simpler and safer transfers

Built for speed, simplicity and trust
• Fast transfers – send in seconds and track status in real time
• Great rates, clear fees – competitive FX rates and no hidden surprises
• Direct-to-merchant payments – pay businesses, schools and service providers straight from the app
• Secure and compliant – we use industry-standard security and regulatory controls to protect you and your money
• Human support – if something doesn’t look right, our team is ready to help

How PayAngel works
1. Download the app and create your account
2. Verify your profile in a few simple steps
3. Choose a recipient, biller or merchant
4. Enter the amount, confirm and send
5. Track your transfer and get instant updates in the app
PayAngel exists to make cross-border payments simple, swift, seamless and affordable, so you can keep spreading smiles and supporting the people and businesses you care about.

Ratings and reviews

The app has become annoying since the last update. You can no longer log in with biometric. Phone's back button doesn't work on the app, the list is endless. Remember there are are 1001 no fees and better rate options.

It's been perfect since I started using it in 2022 but since the upgrade yesterday I can't even log in anymore. Not happy. I will be defecting to SendWave soon!

App was working fine until the latest update. After updating the app is malfunctioning and countries search feature isn't popping up