Cross-border · Europe to home

The best rate
for sending
money home.

Real mid-market rates. A flat 1.3% fee. Euros delivered to family in Nigeria, Morocco, the Philippines, Ghana, Senegal, and India — in minutes. Nothing hidden, because nothing is.

How it works
Fee · flat 1.3% FX margin · zero Compliant · EU-wide
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The old way

Every year, billions are
lost to hidden fees.
Not anymore.

Banks and legacy services take a bite every time you try to send love home.

Upfront fee
€0 per transfer

Legacy providers charge up to €35 in fixed fees before you even see the exchange rate.

Hidden margin
0%

Banks quietly pad the exchange rate by up to 4.2% — an invisible tax on every euro you send.

Time lost
0 days waiting

3–5 business days while your family waits. Rent is due. School is tomorrow. Money isn't there.

€35  ·  5 days  ·  hidden margin → 1.3% · 28 min · nothing hidden
The new way

You send. We move. They receive.

Three steps. No jargon. No small print. Just money, moving how it should.

01 — Start

You send.

Open Payro. Enter an amount. Pick a country. Fee and rate are visible before you tap send — the number you see is the number that lands.

Amir, Riga
"I was on the tram. Took thirty seconds. I could see exactly what my mother would get — to the last dirham."
02 — Move

We move.

Funds clear in seconds over SEPA instant or card. We route through local rails — direct to a bank, a wallet, or a pickup point. No middlemen taking a cut.

Behind the scenes
"Payro settles on local rails the same minute. That's why it's fast — not because of a gimmick, because of the plumbing."
03 — Arrived

They receive.

An SMS. A notification. A ping from their bank. The exact amount. In local currency. Usually in under 30 minutes. No app required.

Maria, Manila
"I got the text before I even closed the message from my dad. The money was already there."

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