See it before you confirm
Every deposit and withdrawal shows its fee and the final amount first, worked out the same way your activity records it.
Money in, money out, no surprises.
PandaPay gives you your own deposit details for bank transfers, a quick way to pay the people you pay often, and statements you can export whenever you need them.
Your own deposit details
Fees shown before you confirm
English & 中文
Good morningYour account
Available balance
12,480.50
USD
Deposit
Pay
Statement
Recent activitySee all
Deposit · SWIFTToday+990.00
Paid Alex TanYesterday−98.00
Deposit · ACH12 Sep+495.00
Why PandaPay
Built so you always know where your money is.
Three promises the account keeps on every screen.
Details that are yours
Your deposit page shows the receiving account set up for you — never a shared one, and nothing at all until yours is ready.
A clear record
Every movement lands in your activity, and your statement can be exported or printed whenever you need it.
Inside your account
One account. Everything it needs.
Six parts of PandaPay, all behind one sign-in.
Your account
Your balance and every movement, in one place.
Deposit by bank transfer
Receiving details set up for you, with each payment rail on its own tab.
Pay recipients
Save the people you pay and send to them again without retyping their details.
Statements
Export or print your statement whenever you need a copy.
Cards
Link your card and manage it from the same account.
Security
A code sent to your email when you sign in, and security settings you control.
How it works
Up and running in three steps.
01
Create your account
Register with your email address and choose a password.
02
Confirm it's you
Enter the code we email you when you sign in.
03
Add money and pay
Fund your account with your deposit details, then pay your saved recipients.
Fees
Two fees. Both on the receipt.
PandaPay takes a percentage of the amount that moves, out of that amount — so nothing is ever added on top of what you agreed to.
Deposits 1%
A deposit of 1,000 credits 990 to your account.
Withdrawals 2%
A withdrawal of 100 pays your recipient 98.
Rates are kept with each payment
The rate is saved with every transaction, so a later change never rewrites an old receipt.
Receipt · deposit
You receive
Amount sent to you1,000.00
Fee · 1%−10.00
Credited to your account990.00
Receipt · withdrawal
You send
Taken from your balance100.00
Fee · 2%−2.00
Your recipient gets98.00
Questions
Good to know.
Where do I find my deposit details?
Open Deposit in your account to see the receiving account set up for you. If it is still being prepared, the page says so rather than showing anyone else's details.
How are fees taken?
Out of the amount: a 1,000 deposit credits 990, and a 100 withdrawal pays your recipient 98. The fee and the final amount are shown before you confirm.
How long does a transfer take?
A transfer shows as processing until our team completes it, and your activity updates as soon as it does.
Can I get a statement?
Yes. Export or print it from the Statement page in your account.
Which languages can I use?
Your account is available in English and Chinese.
Ready when you are.
Write to contact@pandapay.tech to open an account, then add money with your own deposit details.