Best companies for EUR/ZAR transfers
11 of 11 providers Last updated on 28 September 2026
Based on 7,000 EUR transfer Best companies for EUR/ZAR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €44.21 1 EUR = 18.6596 ZAR +0.01% vs mid-market	Recipient gets R 129,792.26 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
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 = 18.6596 ZAR R 129,792.26You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 18.7728 ZAR -0.59% vs mid-market	Recipient gets R 131,409.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in South Africa with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 18.7728 ZAR R 131,409.60You pay€7,000.00
Run a live search Showing top Finland 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 = 18.7728 ZAR -0.59% vs mid-market	Recipient gets R 131,409.60 Minutes - 24 hours
4 reviews Cheapest Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in South Africa with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 18.7728 ZAR R 131,409.60You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 18.7728 ZAR -0.59% vs mid-market	Recipient gets R 131,409.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in South Africa with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 18.7728 ZAR R 131,409.60You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 18.7728 ZAR -0.59% vs mid-market	Recipient gets R 131,409.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in South Africa with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 18.7728 ZAR R 131,409.60You pay€7,000.00
Exclusive: Special Rate for 1st Transfer Key Currency Pay via Bank transfer	Fee €0.00 1 EUR = 18.6149 ZAR +0.25% vs mid-market	Recipient gets R 130,304.57 Minutes - 3 days
4 reviews Personal account managerReceive to bank account
Ways to receive money in South Africa with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 18.6149 ZAR R 130,304.57You pay€7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 18.6112 ZAR +0.27% vs mid-market	Recipient gets R 130,278.44 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in South Africa with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 18.6112 ZAR R 130,278.44You pay€7,000.00
TorFx Pay via Bank transfer	Fee €0.00 1 EUR = 18.6056 ZAR +0.30% vs mid-market	Recipient gets R 130,239.25 Minutes - 24 hours
2 reviews Personal account managerReceive to bank accountIdeal for buying property abroad
Ways to receive money in South Africa with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 18.6056 ZAR R 130,239.25You pay€7,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 18.5683 ZAR +0.50% vs mid-market	Recipient gets R 129,977.99 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in South Africa with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 18.5683 ZAR R 129,977.99You pay€7,000.00
Currencies Direct Pay via Bank transfer	Fee €0.00 1 EUR = 18.5629 ZAR +0.53% vs mid-market	Recipient gets R 129,940.30 Minutes - 24 hours
3 reviews Personal account managerMulti-currency cardReceive to bank account
Ways to receive money in South Africa with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 18.5629 ZAR R 129,940.30You pay€7,000.00
Wise Pay via Bank transfer	Fee €44.21 1 EUR = 18.6596 ZAR +0.01% vs mid-market	Recipient gets R 129,792.26 Same day
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
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 = 18.6596 ZAR R 129,792.26You pay€7,000.00
Wise Pay via iDEAL/WERO	Fee €54.32 1 EUR = 18.6596 ZAR +0.01% vs mid-market	Recipient gets R 129,603.61 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
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 = 18.6596 ZAR R 129,603.61You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €70.50 1 EUR = 18.5882 ZAR +0.39% vs mid-market	Recipient gets R 128,806.94 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in South Africa with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 18.5882 ZAR R 128,806.94You 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.
Moneycorp Pay via Bank transfer	Fee €0.00 1 EUR = 18.4003 ZAR +1.40% vs mid-market	Recipient gets R 128,802.31 Minutes - 2 days
0 reviews
Ways to receive money in South Africa with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 18.4003 ZAR R 128,802.31You pay€7,000.00
Wise Pay via Debit card	Fee €99.09 1 EUR = 18.6596 ZAR +0.01% vs mid-market	Recipient gets R 128,768.22 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
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 = 18.6596 ZAR R 128,768.22You pay€7,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 18.3900 ZAR +1.47% vs mid-market	Recipient gets R 128,730.00 Minutes
0 reviews Receive to bank account
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
Wise Pay via Credit card	Fee €141.03 1 EUR = 18.6596 ZAR +0.01% vs mid-market	Recipient gets R 127,985.64 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
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 = 18.6596 ZAR R 127,985.64You pay€7,000.00
Only available via Mobile App WorldRemit Pay via Debit card	Fee €2.99 1 EUR = 18.2702 ZAR +2.12% vs mid-market	Recipient gets R 127,836.84 Minutes - 2 days
13 reviews Receive to bank account or cash pickup
Ways to receive money in South Africa with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 2 days €2.991 EUR = 18.2702 ZAR R 127,836.84You pay€7,000.00 Bank depositMinutes - 2 days €2.991 EUR = 18.2217 ZAR R 127,497.63You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee €221.00 1 EUR = 18.5882 ZAR +0.39% vs mid-market	Recipient gets R 126,009.42 Within minutes
10 reviews Multi-currency cardReceive to bank account
Ways to receive money in South Africa with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 18.5882 ZAR R 126,009.42You 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 = 18.6616 ZAR Updates every 60 minutes.

Why compare

EUR/ZAR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Finland to South Africa

Pick a company

For a one-off transfer to South Africa, start with Xe.

On a 7,000 EUR transfer, Xe delivers the most ZAR.

The cheapest option depends on the amount, so I suggest to get the best EUR/ZAR rate.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.

Select how you want the recipient to pick up the money. For transfers to South Africa they can receive it via bank deposit and cash pickup.

Verify and send

If it's your first time using the service, you will need to verify your account.

This usually takes a a few minutes to a few hours.

If your transfer is urgent, make sure to get it done beforehand to avoid any delays.

Ways to send money from Finland to South Africa

11 companies send money from Finland to South Africa, mostly through broker, app, online, multi-currency account, and global account, and a few more ways.

Usually the cheapest

Online transfers

Companies like Xe will get you 131,409.6 ZAR on €7,000 transfer.

If it's the only time you send money to South Africa, then it's the best option.

For recurring transfers, an app is a bit more convenient.

For regular transfers

Money transfer apps

For the regular smaller transfer, apps are convenient and cheap.

Xe charges €0 on a €7,000 transfer, and 131,409.6 ZAR arrives in minutes - 24 hours.

In South Africa they can receive money via bank deposit and cash pickup.

Moving money between your own accounts

Multi-currency accounts

Companies like Currencies Direct let you hold EUR and ZAR balances in one account.

You can convert between them any time, and it's cheap.

For example, converting 7,000 EUR to ZAR with Currencies Direct gets you 129,940.3 ZAR (€0 in fees and 0.53% markup).

This is especially useful travel since you are spending in ZAR (no extra fees from Currencies Direct, only local ATMs).

For freelancers and SMEs

Global accounts

Global accounts are for companies and freelancers making payments to South Africa.

Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.

For sending large sums

Currency brokers

Currency brokers are good for sending €10,000+ to South Africa. They charge no fees and add a markup on the rate.

Xe charges no fee but adds -0.59% markup on top of the EUR/ZAR rate.

Ways to fund EUR and receive ZAR in South Africa

With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 131,409.6 ZAR.

To pay for your transfer in Finland, you have bank transfer, debit card, credit card, and ideal.

MobilePay and Siirto are useful for payments within Finland, but they do not send money to South Africa directly.

For withdrawals in South Africa, use bank deposit and cash pickup.

Receive ZAR

The name should match the account holder's bank record, so double check it before sending.

Your recipient can also collect ZAR from a nearby agent in South Africa.

1

Debit card Bank deposit

You pay €7,000.00

R131,410

Cheapest
2

Bank transfer Bank deposit

You pay €7,000.00

R131,410

R0
3

Credit card Bank deposit

You pay €7,000.00

R131,410

R0
4

Ideal Bank deposit

You pay €7,000.00

R129,604

-R1,806
5

Debit card Cash pickup

You pay €7,000.00

R127,837

-R3,573

What to consider before sending money from Finland to South Africa

For a transfer from Finland, compare the ZAR received and check whether the payment is a taxable gift rather than ordinary family support.

Compare EUR/ZAR transfer options

For a €7,000 transfer to South Africa, these are the current cheapest, fastest and easiest options.

Cheapest

Xe is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 131,409.6 ZAR, which is 0.84% more than the next best option.

Fastest

Revolut delivers 128,806.94 ZAR in within minutes when you pay by bank transfer and choose bank deposit.

Sending a gift from Finland can trigger gift tax

If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.

The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.

Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.

Cash sent to the recipient is treated as a normal gift because they can spend it on anything.

Large transfers may take longer

Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.

Keep the invoice, sale document or account statement ready.

SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in South Africa.

Safety measures in Finland

An EEA company may be authorised in another country and operate in Finland through passporting.

If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.

Never move money to a so-called safe account or approve an unexpected bank-identification request.

When in doubt, check the company in the FIN-FSA supervised-entities register.

Live EUR-ZAR Exchange Rate

Finding the best rate to send money from Finland to South Africa

The exchange rate has a direct impact on how much ZAR your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.

Mid-market rate:1 EUR = 18.670859 ZAR

How we analyse the market

Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.

We track 11 of them on EUR to South Africa, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.

Nothing appears without passing our review.

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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How to send money to South Africa from Finland with the best EUR-ZAR rate

Best companies for EUR/ZAR transfers