The cheapest option overall is Key Currency, giving your recipient 118,238.41 ZAR when you send CHF 6,000.
Below we’ve compared 10 ways to send money from Switzerland to South Africa.
| 10 of 10 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze CHF/ZAR exchange rates from our comparisons. | |||
| Based on 6,000 CHF transfer Best companies for CHF/ZAR transfersAll money transfer offers for CHF/ZAR transfers, sorted by most ZAR received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee CHF 25.99 1 CHF = 19.7555 ZAR 0.00% vs mid-market | Recipient gets R 118'019.55 Same day | |
Ways to receive money in South Africa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer CHF 25.991 CHF = 19.7555 ZAR R 118'019.55You payCHF 6'000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee CHF 0.00 1 CHF = 19.5555 ZAR +1.02% vs mid-market | Recipient gets R 117'333.00 Minutes - 24 hours | |
Ways to receive money in South Africa with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 19.5555 ZAR R 117'333.00You payCHF 6'000.00 | |||
Run a live search Showing top Switzerland to South Africa deals for 6,000 CHF. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live CHF to ZAR rates. | |||
Run a live search These companies offer multi-currency accounts for spending ZAR. We suggest doing a live search based on how much CHF you're planning to spend in South Africa. | |||
Run a live search These are managed services with real human support for large CHF transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee CHF 0.00 1 CHF = 19.7064 ZAR +0.25% vs mid-market | Recipient gets R 118'238.41 Minutes - 3 days | |
Ways to receive money in South Africa with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 CHF = 19.7064 ZAR R 118'238.41You payCHF 6'000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee CHF 0.00 1 CHF = 19.7025 ZAR +0.27% vs mid-market | Recipient gets R 118'214.70 Minutes - 24 hours | |
Ways to receive money in South Africa with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 19.7025 ZAR R 118'214.70You payCHF 6'000.00 | |||
 TorFx Pay via Bank transfer | Fee CHF 0.00 1 CHF = 19.6965 ZAR +0.30% vs mid-market | Recipient gets R 118'179.14 Minutes - 24 hours | |
Ways to receive money in South Africa with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 19.6965 ZAR R 118'179.14You payCHF 6'000.00 | |||
| Wise Pay via Bank transfer | Fee CHF 25.99 1 CHF = 19.7555 ZAR 0.00% vs mid-market | Recipient gets R 118'019.55 Same day | |
Ways to receive money in South Africa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer CHF 25.991 CHF = 19.7555 ZAR R 118'019.55You payCHF 6'000.00 | |||
 OFX Pay via Bank transfer | Fee CHF 0.00 1 CHF = 19.6570 ZAR +0.50% vs mid-market | Recipient gets R 117'942.07 Minutes - 24 hours | |
Ways to receive money in South Africa with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 19.6570 ZAR R 117'942.07You payCHF 6'000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee CHF 0.00 1 CHF = 19.6444 ZAR +0.57% vs mid-market | Recipient gets R 117'866.40 Minutes - 24 hours | |
Ways to receive money in South Africa with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 19.6444 ZAR R 117'866.40You payCHF 6'000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee CHF 1.27 1 CHF = 19.5930 ZAR +0.83% vs mid-market | Recipient gets R 117'533.00 Minutes - 24 hours | |
Ways to receive money in South Africa with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 1.271 CHF = 19.5930 ZAR R 117'533.00You payCHF 6'000.00 | |||
| Xe Pay via Bank transfer | Fee CHF 0.00 1 CHF = 19.5555 ZAR +1.02% vs mid-market | Recipient gets R 117'333.00 Minutes - 24 hours | |
Ways to receive money in South Africa with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 19.5555 ZAR R 117'333.00You payCHF 6'000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee CHF 56.50 1 CHF = 19.6927 ZAR +0.32% vs mid-market | Recipient gets R 117'043.29 Within minutes | |
Ways to receive money in South Africa with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 56.501 CHF = 19.6927 ZAR R 117'043.29You payCHF 6'000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
 Moneycorp Pay via Bank transfer | Fee CHF 0.00 1 CHF = 19.4792 ZAR +1.40% vs mid-market | Recipient gets R 116'875.26 Minutes - 2 days | |
Ways to receive money in South Africa with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 CHF = 19.4792 ZAR R 116'875.26You payCHF 6'000.00 | |||
| Xe Pay via Debit card | Fee CHF 36.00 1 CHF = 19.5555 ZAR +1.02% vs mid-market | Recipient gets R 116'629.00 Minutes - 24 hours | |
Ways to receive money in South Africa with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 36.001 CHF = 19.5555 ZAR R 116'629.00You payCHF 6'000.00 | |||
| Xe Pay via Credit card | Fee CHF 36.00 1 CHF = 19.5555 ZAR +1.02% vs mid-market | Recipient gets R 116'629.00 Minutes - 24 hours | |
Ways to receive money in South Africa with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 36.001 CHF = 19.5555 ZAR R 116'629.00You payCHF 6'000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee CHF 185.50 1 CHF = 19.6927 ZAR +0.32% vs mid-market | Recipient gets R 114'502.94 Within minutes | |
Ways to receive money in South Africa with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 185.501 CHF = 19.6927 ZAR R 114'502.94You payCHF 6'000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| How Our Results Work Mid-market rate: 1 CHF = 19.755791 ZAR Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Key Currency at 118,238.41 ZAR for CHF 6,000 transfer.
Sending the same money as an international transfer from your Swiss bank costs 1 to 3% in the rate before any fee.
You have 3 ways to pay, including bank transfer, debit card, and credit card.
TWINT won't do this, it's for paying people and shops inside Switzerland.
First time round you'll need a photo ID and your Swiss address.
Your may pause a first large transfer, it just means you need to submit more details to confirm it's really you.
10 companies send money from Switzerland to South Africa, across broker, online, app, multi-currency account, and global account, and more.
For one-off transfers
Online services like Wise are usually cheaper than Swiss banks for one-off and medium-sized transfers.
With Wise, 6,000 CHF gets your recipient 118,019.55 ZAR.
The fee is 25.99 CHF, with a 0% on top of CHF/ZAR rate.
For spending and receiving
A multi-currency account is useful if you earn in Swiss francs but spend money in ZAR (be it payments or travelling).
Wise converts CHF 6,000 with a 0% exchange-rate markup and lets you hold CHF and ZAR in one account.
For regular transfers
For the monthly transfer to family, money transfers apps are the easiest to start with.
Wise charges fr.25.99 on a fr.6,000 transfer, and the money lands same day.
You can also save recipients and create automated scheduled transfers to South Africa.
You can’t make deposits with TWINT, but instead you can use Apple Pay, Google Pay, bank transfer, debit card, and credit card.
For large CHF transfers
Private banks can usually do this too, but brokers streamline the process and you also get an account manager to handle the transfer.
For example, if you are buying property in South Africa or moving your wealth, a broker like Key Currency charges no fee and works on a margin instead (0.25% on CHF/ZAR).
I suggest , since the more ZAR you send the better rate you get.
Brokers charge no fees, so settle with the one that gives you the best CHF/ZAR rate.
For companies paying across borders
Converting every payment separately adds extra work for Swiss businesses with regular costs in South Africa.
A global account lets you hold ZAR alongside CHF and pay from the balance.
Wise Business, WorldFirst and Airwallex offer multi-currency accounts with business payment tools.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 118,238.41 ZAR.
The transfer can be paid for by bank transfer, debit card, and credit card.
You can pay from your Swiss bank account
Send CHF to the account details provided by the company.
Use the exact reference so it can match the payment to your transfer.
TWINT is mainly for payments in Switzerland, so it does not replace an international transfer to South Africa.
In South Africa, they can get ZAR delivered as bank deposit.
You pay fr.6,000.00
R118,238
Cheapest
You pay fr.6,000.00
R116,629
-R1,609
You pay fr.6,000.00
R116,629
-R1,609
The exchange-rate margin usually matters more than the transfer fee from Switzerland. Gift tax and account protection also depend on details that are easy to miss.
For a CHF 6,000 transfer to South Africa, these are the best options in our comparison.
Cheapest way to send money to South Africa
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 118,238.41 ZAR, which is 0.02% more than the next best option.
Fastest way to send money to South Africa
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 117,043.29 ZAR in within minutes.
Swiss banks can make SEPA payments in euros, but CHF transfer to a ZAR requires a conversion.
Same goes for TWINT and Swiss instant payments.
Money transfer companies can take these as funding methods (since accounts are in Switzerland) but then they switch to an internal network of accounts.
Switzerland has no federal gift tax applied on transfers abroad.
Most cantons impose their own rules, with the amount due usually depending on the value of the gift and your relationship to the recipient.
The federal Swiss authorities explain the cantonal rules here.
Do not assume every app used in Switzerland is FINMA-authorised or covered by Swiss deposit insurance.
Some services operate under a foreign licence, and a Swiss virtual IBAN does not by itself create Swiss deposit protection.
Eligible deposits at participating Swiss banks are protected up to CHF 100,000 per customer and bank, but esisuisse confirms that a virtual IBAN or correspondent account may fall outside that protection.
If you’re in doubt about a money transfer company or app, check the legal company behind the service in the FINMA register.
The rate you secure determines how much ZAR arrives for your CHF. The weekly average is a simple benchmark for comparing today's offers.
Mid-market rate:1 CHF = 19.753412 ZAR
Most pricing comes straight from the companies, and anything we collect by hand is marked in the table.
That covers 10 of them sending CHF to South Africa, refreshed in real time on live searches and compared on rates, fees and the ways to pay and collect.
Each goes through our review. More on who we are, why you can trust us and how to get started.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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