Xe is the best and cheapest service overall. On €7,000 you will get 130,556.3 ZAR after fees and the exchange rate.
We’ve compared 11 money transfer companies in more detail below.
| 11 of 11 providers Last updated on 28 September 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/ZAR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €44.21 1 EUR = 18.6488 ZAR +0.01% vs mid-market | Recipient gets R 129,717.14 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 €44.211 EUR = 18.6488 ZAR R 129,717.14You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 18.6509 ZAR 0.00% vs mid-market | Recipient gets R 130,556.30 Minutes - 24 hours | |
Ways to receive money in South Africa with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 18.6509 ZAR R 130,556.30You pay€7,000.00 | |||
Run a live search Showing top Germany to South Africa deals for 7,000 EUR. 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 EUR 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 EUR you're planning to spend in South Africa. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 18.6509 ZAR 0.00% vs mid-market | Recipient gets R 130,556.30 Minutes - 24 hours | |
Ways to receive money in South Africa with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 18.6509 ZAR R 130,556.30You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 18.6509 ZAR 0.00% vs mid-market | Recipient gets R 130,556.30 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 EUR = 18.6509 ZAR R 130,556.30You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 18.6509 ZAR 0.00% vs mid-market | Recipient gets R 130,556.30 Minutes - 24 hours | |
Ways to receive money in South Africa with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 18.6509 ZAR R 130,556.30You pay€7,000.00 | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 18.6044 ZAR +0.25% vs mid-market | Recipient gets R 130,230.87 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 EUR = 18.6044 ZAR R 130,230.87You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 18.6007 ZAR +0.27% vs mid-market | Recipient gets R 130,204.75 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 EUR = 18.6007 ZAR R 130,204.75You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 18.5951 ZAR +0.30% vs mid-market | Recipient gets R 130,165.59 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 EUR = 18.5951 ZAR R 130,165.59You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 18.5578 ZAR +0.50% vs mid-market | Recipient gets R 129,904.47 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 EUR = 18.5578 ZAR R 129,904.47You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 18.5525 ZAR +0.53% vs mid-market | Recipient gets R 129,867.50 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 EUR = 18.5525 ZAR R 129,867.50You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €44.21 1 EUR = 18.6488 ZAR +0.01% vs mid-market | Recipient gets R 129,717.14 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 €44.211 EUR = 18.6488 ZAR R 129,717.14You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €54.32 1 EUR = 18.6488 ZAR +0.01% vs mid-market | Recipient gets R 129,528.60 Same day | |
Ways to receive money in South Africa with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €54.321 EUR = 18.6488 ZAR R 129,528.60You pay€7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee €9.99 1 EUR = 18.4843 ZAR +0.90% vs mid-market | Recipient gets R 129,390.10 Minutes - 24 hours | |
Ways to receive money in South Africa with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €9.991 EUR = 18.4843 ZAR R 129,390.10You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €9.991 EUR = 18.2239 ZAR R 127,567.30You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 18.2239 ZAR R 127,567.30You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €9.99 1 EUR = 18.4843 ZAR +0.90% vs mid-market | Recipient gets R 129,390.10 Minutes - 24 hours | |
Ways to receive money in South Africa with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €9.991 EUR = 18.4843 ZAR R 129,390.10You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €9.991 EUR = 18.2239 ZAR R 127,567.30You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 18.2239 ZAR R 127,567.30You pay€7,009.99 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €47.50 1 EUR = 18.5770 ZAR +0.40% vs mid-market | Recipient gets R 129,156.64 Within minutes | |
Ways to receive money in South Africa with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €47.501 EUR = 18.5770 ZAR R 129,156.64You pay€7,000.00 | |||
| 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. | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 18.3900 ZAR +1.41% vs mid-market | Recipient gets R 128,730.00 Minutes | |
Ways to receive money in South Africa with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 18.3900 ZAR R 128,730.00You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 18.3899 ZAR +1.40% vs mid-market | Recipient gets R 128,729.46 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 EUR = 18.3899 ZAR R 128,729.46You pay€7,000.00 | |||
| Wise Pay via Debit card | Fee €99.09 1 EUR = 18.6488 ZAR +0.01% vs mid-market | Recipient gets R 128,693.69 Same day | |
Ways to receive money in South Africa with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €99.091 EUR = 18.6488 ZAR R 128,693.69You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €141.03 1 EUR = 18.6488 ZAR +0.01% vs mid-market | Recipient gets R 127,911.56 Same day | |
Ways to receive money in South Africa with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €141.031 EUR = 18.6488 ZAR R 127,911.56You pay€7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee €9.99 1 EUR = 18.2239 ZAR +2.32% vs mid-market | Recipient gets R 127,567.30 Minutes - 24 hours | |
Ways to receive money in South Africa with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks €9.991 EUR = 18.2239 ZAR R 127,567.30You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 18.2239 ZAR R 127,567.30You pay€7,009.99 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €191.00 1 EUR = 18.5770 ZAR +0.40% vs mid-market | Recipient gets R 126,490.84 Within minutes | |
Ways to receive money in South Africa with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €191.001 EUR = 18.5770 ZAR R 126,490.84You pay€7,000.00 | |||
| 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 EUR = 18.6510 ZAR Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Xe.
On a 7,000 EUR transfer, Xe delivers the most ZAR.
This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/ZAR rate.
You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.
First time round you'll need a photo ID and proof of your German address.
Video identification is also normal and takes a few minutes.
There are 11 companies for sending money from Germany to South Africa, across broker, app, online, multi-currency account, global account, and in person, and more below.
Fastest and easiest way
Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.
Sending €7,000 with Xe to South Africa gets you 130,556.3 ZAR with a €0 fee and 0% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For paying in cash at a counter
There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.
Deposit €7,000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.
In general, online transfers are cheaper than sending cash to South Africa.
For large transfers from Germany
For buying property, moving to South Africa, or moving pensions, a currency broker is the best option.
A broker like Xe charges no fee and works on a margin. It adds 0% on EUR/ZAR which gets negotiated the more you send.
And you get an account manager to help you through the process.
For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.
For making business payments
Global accounts are for businesses making payments to South Africa.
Be it overseas suppliers and contractors, receiving ZAR payments, or holding ZAR and EUR in one business account.
Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.
For spending & receiving
A multi-currency account lets you hold EUR and ZAR in one account.
You get ZAR bank details, and can receive international payments like rent, dividends, family payments without additional conversions.
You can convert ZAR to EUR or EUR to ZAR whenever you need.
The best multi currency account is Currencies Direct, it adds ~0.53% markup and charges small fees.
With Xe, paying by debit card and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 130,556.3 ZAR.
You can pay for the transfer using bank transfer, debit card, credit card, and ideal.
Using German bank
A SEPA bank transfer is usually the cheapest way to deposit EUR.
An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to South Africa.
The recipient in South Africa can receive ZAR by bank deposit, card deposit, and cash pickup.
To receive ZAR by bank deposit
Enter the recipient's banking details and account holders name.
Check both before sending because correcting a bank deposit will delay the transfer.
They can receive cash in South Africa
For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.
You pay €7,000.00
R130,556
Cheapest
You pay €7,000.00
R130,556
R0
You pay €7,000.00
R130,556
R0
You pay €7,000.00
R129,529
-R1,028
You pay €7,009.99
R129,390
-R1,166
You pay €7,009.99
R129,390
-R1,166
You pay €7,009.99
R127,567
-R2,989
You pay €7,009.99
R127,567
-R2,989
You pay €7,009.99
R127,567
-R2,989
The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.
For a €7,000 transfer to South Africa, these are the best options:
Cheapest way to send money to South Africa
The cheapest option is Xe, funded by debit card with bank deposit for the payout. Your recipient gets 130,556.3 ZAR, which is 0.25% 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 129,156.64 ZAR in innerhalb von minuten.
Germany's AWV reporting threshold is €50,000.
A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.
It is a statistics report, not a tax or permission request.
Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.
The automated AWV notice shown by a bank does not mean every transfer is reportable.
The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.
If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.
A payment converted into ZAR sits outside that pricing rule and may involve another bank or payout partner.
Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.
This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.
The EUR/ZAR rate can move noticeably within a week, changing the amount your recipient gets in ZAR.
Mid-market rate:1 EUR = 18.671413 ZAR
Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.
We then track 11 of them on EUR to South Africa, comparing rates, fees and the pay-in and payout options.
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.
Advanced filters
Advanced filters
Tailor this money transfer comparison to your needs.
Show companies that support specific transfer features.
Only show providers with user feedback and reviews.
Hide selected providers from the EUR/ZAR comparison.
Search Now & Save On Your Transfer
Instantly view live exchange rates, fees & features.
Please share your experience with …