How to send money to South Africa from the UK with the best GBP-ZAR rate

We’ve compared 14 companies, and found MoneyGram to be the cheapest, while Revolut is the fastest.

Sending £6,000 gets you R132,525.60 with MoneyGram at 22.0876 ZAR per GBP, about 0.55% more than the next best option.

Best companies for GBP/ZAR transfers

14 of 14 providers

Last updated on 10 November 2026

Based on 6,000 GBP transfer

Best companies for GBP/ZAR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee £31.04 1 GBP = 22.0232 ZAR -0.01% vs mid-market Recipient gets R 131,455.60 Within minutes
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 depositWithin minutesAvailable via:Bank Transfer
£31.041 GBP = 22.0232 ZAR
R 131,455.60You pay£6,000.00
Promoted

Xe

Pay via Debit card
Fee £0.00 1 GBP = 21.7872 ZAR +1.07% vs mid-market Recipient gets R 130,723.20 Minutes - 24 hours
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 GBP = 21.7872 ZAR
R 130,723.20You pay£6,000.00

Run a live search

Showing top United Kingdom to South Africa deals for 6,000 GBP. Do a live search with your exact amount for today's best rates.
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee £0.00 1 GBP = 22.0876 ZAR -0.30% vs mid-market Recipient gets R 132,525.60 Minutes - 24 hours
Cheapest

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
Free1 GBP = 22.0876 ZAR
R 132,525.60You pay£6,000.00
Cash pickupMinutes - 24 hours
Free1 GBP = 21.7530 ZAR
R 130,518.00You pay£6,000.00
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 GBP = 21.7296 ZAR
R 130,377.60You pay£6,000.00
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee £0.00 1 GBP = 22.0876 ZAR -0.30% vs mid-market Recipient gets R 132,525.60 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
Free1 GBP = 22.0876 ZAR
R 132,525.60You pay£6,000.00
Cash pickupMinutes - 24 hours
Free1 GBP = 21.7530 ZAR
R 130,518.00You pay£6,000.00
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 GBP = 21.7296 ZAR
R 130,377.60You pay£6,000.00
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee £0.00 1 GBP = 21.9661 ZAR +0.25% vs mid-market Recipient gets R 131,796.48 Minutes - 3 days
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 GBP = 21.9661 ZAR
R 131,796.48You pay£6,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee £0.00 1 GBP = 21.9617 ZAR +0.27% vs mid-market Recipient gets R 131,770.06 Minutes - 24 hours
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 GBP = 21.9617 ZAR
R 131,770.06You pay£6,000.00

TorFx

Pay via Bank transfer
Fee £0.00 1 GBP = 21.9551 ZAR +0.30% vs mid-market Recipient gets R 131,730.42 Minutes - 24 hours
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 GBP = 21.9551 ZAR
R 131,730.42You pay£6,000.00

OFX

Pay via Bank transfer
Fee £0.00 1 GBP = 21.9110 ZAR +0.50% vs mid-market Recipient gets R 131,466.16 Minutes - 24 hours
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 GBP = 21.9110 ZAR
R 131,466.16You pay£6,000.00

Wise

Pay via Bank transfer
Fee £31.04 1 GBP = 22.0232 ZAR -0.01% vs mid-market Recipient gets R 131,455.60 Within minutes
Our top pick
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 depositWithin minutesAvailable via:Bank Transfer
£31.041 GBP = 22.0232 ZAR
R 131,455.60You pay£6,000.00

Currencies Direct

Pay via Bank transfer
Fee £0.00 1 GBP = 21.9003 ZAR +0.55% vs mid-market Recipient gets R 131,401.80 Minutes - 24 hours
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 GBP = 21.9003 ZAR
R 131,401.80You pay£6,000.00

CurrencyFair

Pay via Bank transfer
Fee £1.14 1 GBP = 21.8650 ZAR +0.71% vs mid-market Recipient gets R 131,165.00 Minutes - 24 hours
Receive to bank account

Ways to receive money in South Africa with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
£1.141 GBP = 21.8650 ZAR
R 131,165.00You pay£6,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee £0.00 1 GBP = 21.8569 ZAR +0.75% vs mid-market Recipient gets R 131,141.40 Minutes - 24 hours

Ways to receive money in South Africa with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
Free1 GBP = 21.8569 ZAR
R 131,141.40You pay£6,000.00
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 GBP = 21.8099 ZAR
R 130,859.40You pay£6,000.00

Wise

Pay via Debit card
Fee £49.97 1 GBP = 22.0232 ZAR -0.01% vs mid-market Recipient gets R 131,038.70 Within minutes
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 depositWithin minutesAvailable via:Bank Transfer
£49.971 GBP = 22.0232 ZAR
R 131,038.70You pay£6,000.00
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee £1.99 1 GBP = 21.8336 ZAR +0.86% vs mid-market Recipient gets R 130,958.27 Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in South Africa with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
£1.991 GBP = 21.8336 ZAR
R 130,958.27You pay£6,000.00
Card depositMinutes - 2 days
Free1 GBP = 21.7789 ZAR
R 130,673.22You pay£6,000.00
Cash pickupMinutes - 2 days
£0.991 GBP = 21.2173 ZAR
R 127,283.09You pay£6,000.00

TapTap Send

Pay via Debit card
Fee £0.00 1 GBP = 21.8000 ZAR +1.01% vs mid-market Recipient gets R 130,800.00 Minutes
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 GBP = 21.8000 ZAR
R 130,800.00You pay£6,000.00

Xe

Pay via Debit card
Fee £0.00 1 GBP = 21.7872 ZAR +1.07% vs mid-market Recipient gets R 130,723.20 Minutes - 24 hours
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 GBP = 21.7872 ZAR
R 130,723.20You pay£6,000.00

Xe

Pay via Bank transfer
Fee £0.00 1 GBP = 21.7872 ZAR +1.07% vs mid-market Recipient gets R 130,723.20 Minutes - 24 hours
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 GBP = 21.7872 ZAR
R 130,723.20You pay£6,000.00

Xe

Pay via Credit card
Fee £0.00 1 GBP = 21.7872 ZAR +1.07% vs mid-market Recipient gets R 130,723.20 Minutes - 24 hours
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 GBP = 21.7872 ZAR
R 130,723.20You pay£6,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee £52.50 1 GBP = 21.9501 ZAR +0.32% vs mid-market Recipient gets R 130,548.00 Within minutes
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
£52.501 GBP = 21.9501 ZAR
R 130,548.00You pay£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 £0.00 1 GBP = 21.7128 ZAR +1.40% vs mid-market Recipient gets R 130,277.02 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 GBP = 21.7128 ZAR
R 130,277.02You pay£6,000.00

Barclays

Pay via Bank transfer
Fee £0.00 1 GBP = 21.4961 ZAR +2.41% vs mid-market Recipient gets R 128,976.60 Minutes - 5 days
0 reviews

Ways to receive money in South Africa with Barclays when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
Free1 GBP = 21.4961 ZAR
R 128,976.60You pay£6,000.00

Wise

Pay via Credit card
Fee £163.45 1 GBP = 22.0232 ZAR -0.01% vs mid-market Recipient gets R 128,539.51 Within minutes
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 depositWithin minutesAvailable via:Bank Transfer
£163.451 GBP = 22.0232 ZAR
R 128,539.51You pay£6,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee £188.00 1 GBP = 21.9501 ZAR +0.32% vs mid-market Recipient gets R 127,573.76 Within minutes
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
£188.001 GBP = 21.9501 ZAR
R 127,573.76You pay£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 GBP = 22.0211 ZAR Updates every 60 minutes.

How to send money from UK to South Africa

Pick a company

For a one-off GBP transfer to South Africa, I suggest picking the cheapest option which is MoneyGram.

MoneyGram was the cheapest on 16 of the 30 days it quoted £6,000 transfers to South Africa.

On a 6,000 GBP transfer, MoneyGram delivers the most ZAR.

The best option will change depending on how much you actually send, so I suggest to get the best GBP/ZAR rate.

Fund your transfer

You have 3 ways to pay, including bank transfer, debit card, and credit card.

Paying from your bank is usually the fastest, since most companies connect to your banking app via Open Banking.

Anywhere a debit card works, Apple Pay and Google Pay usually do too.

Verify and send

First time round you'll need to confirm your name, date of birth, address and a photo ID.

On a £6,000 transfer the verification is normally instant but can take a couple of hours.

Compare amounts

How much GBP are you sending to South Africa?

How much GBP you send to South Africa heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows MoneyGram was the cheapest in 54% of the transfers from £6,000 it quoted, and in 37% of all the transfers it quoted.

Cheapest service
£500-1.75%£0.00R 11,195.00with bank transfer to bank deposit+R 260.20
£1,000-1.42%£2.99R 22,248.18with credit card to bank deposit+R 419.41
£2,000-0.35%£0.00R 44,175.20with debit card to card deposit+R 613.70
£6,000This page-0.30%£0.00R 132,525.60with debit card to card deposit+R 1,675.14
£10,000-0.36%£0.00R 220,876.00with debit card to card deposit+R 2,971.64
£50,000-0.39%£0.00R 1,104,380.00with debit card to card deposit+R 12,437.23
£250,0000.15%£0.00R 5,492,809.41with bank transfer to bank deposit+R 40,822.16

Mid-market rate: 1 GBP = 22.0211 ZAR

GBP/ZAR Exchange Rate History

Is today a good time to send money from UK to South Africa?

The cheapest way to send GBP to ZAR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's MoneyGram), across 30 days of comparisons for 6,000 GBP transfers to South Africa.

ZAR received for £6,000, after fees

Tue, 10 Nov 2026Mid-market rateR 132,126.80 MoneyGram R 132,525.60 Barclays R 128,976.60MoneyGramR 132,525.60Key CurrencyR 131,796.48Regency FXR 131,770.06Extra cost of a bankR 3,549.00

126,000
128,000
130,000
132,000
134,000
136,000
At the mid-market rateWith the cheapest optionWith a bankMoneyGramKey CurrencyRegency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate 21.8593 – R 131,155.70
MoneyGram Cheapest 21.8734 £0.00 R 131,240.40 +R 84.70
Key Currency 21.8046 £0.00 R 130,827.81 −R 327.89
Regency FX 21.8003 £0.00 R 130,801.58 −R 354.12
Barclays 21.2564 £0.00 R 127,538.46 −R 3,617.24
Exchange rateFeeRecipient getsDifference
Mid-market rate 21.8215 – R 130,928.96
MoneyGram Cheapest 21.8925 £0.00 R 131,355.00 +R 426.04
Key Currency 21.7669 £0.00 R 130,601.64 −R 327.32
Regency FX 21.7626 £0.00 R 130,575.46 −R 353.50
Barclays 21.2127 £0.00 R 127,276.43 −R 3,652.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 21.8681 – R 131,208.70
TapTap Send Cheapest 21.9500 £0.00 R 131,700.00 +R 491.30
MoneyGram 21.8672 £0.00 R 131,203.20 −R 5.50
Key Currency 21.8134 £0.00 R 130,880.67 −R 328.03
Regency FX 21.8091 £0.00 R 130,854.43 −R 354.27
Barclays 21.2744 £0.00 R 127,646.13 −R 3,562.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 21.9152 – R 131,490.92
Key Currency Cheapest 21.8604 £0.00 R 131,162.20 −R 328.72
MoneyGram 21.8582 £0.00 R 131,149.20 −R 341.72
Regency FX 21.8560 £0.00 R 131,135.90 −R 355.02
Barclays 21.2744 £0.00 R 127,646.13 −R 3,844.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 21.8858 – R 131,315.02
MoneyGram Cheapest 21.8582 £0.00 R 131,149.20 −R 165.82
Key Currency 21.8311 £0.00 R 130,986.73 −R 328.29
Regency FX 21.8267 £0.00 R 130,960.47 −R 354.55
Barclays 21.3066 £0.00 R 127,839.34 −R 3,475.68
Exchange rateFeeRecipient getsDifference
Mid-market rate 21.9313 – R 131,587.78
MoneyGram Cheapest 21.9127 £0.00 R 131,476.20 −R 111.58
Key Currency 21.8765 £0.00 R 131,258.81 −R 328.97
Regency FX 21.8721 £0.00 R 131,232.49 −R 355.29
Barclays 21.3585 £0.00 R 128,150.99 −R 3,436.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 21.9313 – R 131,587.78
MoneyGram Cheapest 21.9127 £0.00 R 131,476.20 −R 111.58
Key Currency 21.8765 £0.00 R 131,258.81 −R 328.97
Regency FX 21.8721 £0.00 R 131,232.49 −R 355.29
Barclays 21.3585 £0.00 R 128,150.99 −R 3,436.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 21.9617 – R 131,770.30
MoneyGram Cheapest 21.9127 £0.00 R 131,476.20 −R 294.10
Key Currency 21.9068 £0.00 R 131,440.88 −R 329.42
Regency FX 21.9024 £0.00 R 131,414.52 −R 355.78
Barclays 21.3171 £0.00 R 127,902.54 −R 3,867.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 21.9049 – R 131,429.35
MoneyGram Cheapest 21.9222 £0.00 R 131,533.20 +R 103.85
Key Currency 21.8501 £0.00 R 131,100.78 −R 328.57
Regency FX 21.8457 £0.00 R 131,074.49 −R 354.86
Barclays 21.3171 £0.00 R 127,902.54 −R 3,526.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 21.9851 – R 131,910.84
Key Currency Cheapest 21.9302 £0.00 R 131,581.06 −R 329.78
MoneyGram 21.9293 £0.00 R 131,575.80 −R 335.04
Regency FX 21.9258 £0.00 R 131,554.68 −R 356.16
Barclays 21.3827 £0.00 R 128,296.33 −R 3,614.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.0887 – R 132,532.34
TapTap Send Cheapest 22.0400 £0.00 R 132,240.00 −R 292.34
Key Currency 22.0335 £0.00 R 132,201.01 −R 331.33
Regency FX 22.0291 £0.00 R 132,174.50 −R 357.84
MoneyGram 21.9909 £0.00 R 131,945.40 −R 586.94
Barclays 21.3827 £0.00 R 128,296.33 −R 4,236.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.1724 – R 133,034.18
TapTap Send Cheapest 22.1800 £0.00 R 133,080.00 +R 45.82
Key Currency 22.1169 £0.00 R 132,701.59 −R 332.59
Regency FX 22.1125 £0.00 R 132,674.99 −R 359.19
MoneyGram 22.0790 £0.00 R 132,474.00 −R 560.18
Barclays 21.5647 £0.00 R 129,388.11 −R 3,646.07
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.1665 – R 132,999.21
TapTap Send Cheapest 22.1810 £0.00 R 133,086.00 +R 86.79
MoneyGram 22.1593 £0.00 R 132,955.80 −R 43.41
Key Currency 22.1111 £0.00 R 132,666.71 −R 332.50
Regency FX 22.1067 £0.00 R 132,640.11 −R 359.10
Barclays 21.5859 £0.00 R 129,515.47 −R 3,483.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.1665 – R 132,999.21
TapTap Send Cheapest 22.1810 £0.00 R 133,086.00 +R 86.79
MoneyGram 22.1593 £0.00 R 132,955.80 −R 43.41
Key Currency 22.1111 £0.00 R 132,666.71 −R 332.50
Regency FX 22.1067 £0.00 R 132,640.11 −R 359.10
Barclays 21.5859 £0.00 R 129,515.47 −R 3,483.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.1472 – R 132,883.01
MoneyGram Cheapest 22.1593 £0.00 R 132,955.80 +R 72.79
Key Currency 22.0918 £0.00 R 132,550.81 −R 332.20
Regency FX 22.0874 £0.00 R 132,524.23 −R 358.78
Barclays 21.5865 £0.00 R 129,518.97 −R 3,364.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.2294 – R 133,376.21
Key Currency Cheapest 22.1738 £0.00 R 133,042.77 −R 333.44
Regency FX 22.1693 £0.00 R 133,016.09 −R 360.12
MoneyGram 22.1118 £0.00 R 132,670.80 −R 705.41
Barclays 21.5975 £0.00 R 129,584.91 −R 3,791.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.1281 – R 132,768.47
MoneyGram Cheapest 22.2070 £0.00 R 133,242.00 +R 473.53
Key Currency 22.0728 £0.00 R 132,436.55 −R 331.92
Regency FX 22.0683 £0.00 R 132,409.99 −R 358.48
Barclays 21.5222 £0.00 R 129,132.94 −R 3,635.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.1575 – R 132,945.29
MoneyGram Cheapest 22.1167 £0.00 R 132,700.20 −R 245.09
Key Currency 22.1022 £0.00 R 132,612.92 −R 332.37
Regency FX 22.0977 £0.00 R 132,586.34 −R 358.95
Barclays 21.5864 £0.00 R 129,518.12 −R 3,427.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.3223 – R 133,933.64
Key Currency Cheapest 22.2665 £0.00 R 133,598.80 −R 334.84
Regency FX 22.2620 £0.00 R 133,572.02 −R 361.62
MoneyGram 22.1426 £0.00 R 132,855.60 −R 1,078.04
Barclays 21.7013 £0.00 R 130,207.92 −R 3,725.72
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.4002 – R 134,401.27
Key Currency Cheapest 22.3442 £0.00 R 134,065.26 −R 336.01
Regency FX 22.3397 £0.00 R 134,038.38 −R 362.89
MoneyGram 22.3377 £0.00 R 134,026.20 −R 375.07
Barclays 21.7633 £0.00 R 130,579.95 −R 3,821.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.3994 – R 134,396.25
Key Currency Cheapest 22.3434 £0.00 R 134,060.26 −R 335.99
Regency FX 22.3389 £0.00 R 134,033.38 −R 362.87
MoneyGram 22.3377 £0.00 R 134,026.20 −R 370.05
Barclays 21.7633 £0.00 R 130,579.95 −R 3,816.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.3527 – R 134,116.16
MoneyGram Cheapest 22.3377 £0.00 R 134,026.20 −R 89.96
Key Currency 22.2968 £0.00 R 133,780.87 −R 335.29
Regency FX 22.2923 £0.00 R 133,754.05 −R 362.11
Barclays 21.7633 £0.00 R 130,579.95 −R 3,536.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.3262 – R 133,957.02
MoneyGram Cheapest 22.3024 £0.00 R 133,814.40 −R 142.62
Key Currency 22.2704 £0.00 R 133,622.13 −R 334.89
Regency FX 22.2659 £0.00 R 133,595.34 −R 361.68
Barclays 21.7136 £0.00 R 130,281.73 −R 3,675.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.2248 – R 133,348.54
MoneyGram Cheapest 22.3012 £0.00 R 133,807.20 +R 458.66
Key Currency 22.1692 £0.00 R 133,015.17 −R 333.37
Regency FX 22.1648 £0.00 R 132,988.50 −R 360.04
Barclays 21.7136 £0.00 R 130,281.73 −R 3,066.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.0297 – R 132,178.35
MoneyGram Cheapest 22.1844 £0.00 R 133,106.40 +R 928.05
Key Currency 21.9747 £0.00 R 131,847.90 −R 330.45
Regency FX 21.9702 £0.00 R 131,821.47 −R 356.88
Barclays 21.3704 £0.00 R 128,222.49 −R 3,955.86
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.1138 – R 132,682.69
TapTap Send Cheapest 22.1500 £0.00 R 132,900.00 +R 217.31
Key Currency 22.0585 £0.00 R 132,350.99 −R 331.70
Regency FX 22.0541 £0.00 R 132,324.45 −R 358.24
MoneyGram 22.0468 £0.00 R 132,280.80 −R 401.89
Barclays 21.3704 £0.00 R 128,222.49 −R 4,460.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.0637 – R 132,382.33
TapTap Send Cheapest 22.2000 £0.00 R 133,200.00 +R 817.67
MoneyGram 22.1429 £0.00 R 132,857.40 +R 475.07
Key Currency 22.0086 £0.00 R 132,051.37 −R 330.96
Regency FX 22.0041 £0.00 R 132,024.89 −R 357.44
Barclays 21.4321 £0.00 R 128,592.72 −R 3,789.61
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.0823 – R 132,494.09
TapTap Send Cheapest 22.1500 £0.00 R 132,900.00 +R 405.91
MoneyGram 22.1429 £0.00 R 132,857.40 +R 363.31
Key Currency 22.0271 £0.00 R 132,162.85 −R 331.24
Regency FX 22.0227 £0.00 R 132,136.35 −R 357.74
Barclays 21.4321 £0.00 R 128,592.72 −R 3,901.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.1108 – R 132,665.09
MoneyGram Cheapest 22.1429 £0.00 R 132,857.40 +R 192.31
Key Currency 22.0556 £0.00 R 132,333.43 −R 331.66
Regency FX 22.0511 £0.00 R 132,306.90 −R 358.19
Barclays 21.4961 £0.00 R 128,976.60 −R 3,688.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.0211 – R 132,126.80
MoneyGram Cheapest 22.0876 £0.00 R 132,525.60 +R 398.80
Key Currency 21.9661 £0.00 R 131,796.48 −R 330.32
Regency FX 21.9617 £0.00 R 131,770.06 −R 356.74
Barclays 21.4961 £0.00 R 128,976.60 −R 3,150.20

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send £6,000, after fees, as quoted by each company. The mid-market line shows what £6,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more ZAR per GBP than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 16 of the last 30 days.

Right now, MoneyGram pays 132,525.60 ZAR on 6,000 GBP, which is 398.80 ZAR more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 134,065.26 ZAR.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

If you need to send money now, it's a good time to send.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to South Africa.

We've tracked 209 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.

  1. MoneyGramAppeared in 179 comparisons

    Cheapest in 37% of them

  2. Key CurrencyAppeared in 119 comparisons

    Cheapest in 32% of them

  3. Regency FXAppeared in 119 comparisons

    Never the cheapest

  4. BarclaysAppeared in 179 comparisons

    Never the cheapest

Based on 209 comparisons across 7 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today MoneyGram is the cheapest and gets you the most ZAR, but it was the cheapest in only 37% of the 179 comparisons it appeared in over the past month.

Key Currency (today's second cheapest) was the cheapest in only 32% of its comparisons, so it's rarely the cheapest option for transfers to South Africa.

If it's a one-off transfer, go with MoneyGram, since it's the cheapest right now.

Ways to send money from the UK to South Africa

There are many ways to send money to South Africa from the UK, including currency broker, app, online, multi-currency account, global business account, in person, and bank, and more.

For small & frequent transfers

Money transfer apps

If you send small amounts back home to South Africa, say weekly or monthly, an app like MoneyGram is the easiest and cheapest way to do it.

It charges £0 in fees, has -0.3% markup, lets you save recipient details, and ZAR will arrive in minutes.

Over the past month, MoneyGram was the cheapest app on 67% of the days it appeared for £6,000 transfers.

For one off transfers

Online transfers

Sending money online is good for occasional medium sized ZAR transfers, around £1,000 - £5,000.

Online companies like MoneyGram often have higher limits and/or first time promos.

Of the 14 companies we compared, MoneyGram is the cheapest online service and will get you R132,525.60 on a £6,000 transfer.

In our comparisons over the past month, it was the cheapest online service on 27 of the 30 days it quoted.

For large transfers

Brokers

Currency brokers like Key Currency are the best for £10,000+ transfers (things like house deposits, education fees, relocation, etc.).

You get a dedicated account manager to handle your transfer to South Africa, and real human support.

Key Currency charges no fees on large transfers, but adds 0.25% markup on top of the current GBP/ZAR rate.

The markup gets better the more GBP you send, so we suggest .

Our analysis shows Key Currency was the cheapest broker in 97% of the transfers from £6,000 it quoted.

For spending and receiving

Multi-currency accounts

Multi-currency accounts let you hold and spend Rands abroad like a local.

Wise offers the best multi-currency account.

With it, converting £6,000 to ZAR will get you R131,455.60 after fees.

If you don’t have ZAR in your account, your GBP will auto-convert whenever you pay with Wise in South Africa.

Once you have ZAR in the account, there are no extra fees from Wise for spending or holding it (local ATM charges may still apply).

Over the past month, it came out cheapest among multi-currency accounts on 93% of days.

For business transfers

Global accounts

Global accounts are for UK businesses making payments overseas.

For suppliers, freelancers, salaries, or invoices in South Africa, companies like Airwallex, WorldFirst, or Payoneer handle batch and recurring payments a consumer app simply can’t.

Only if you have to

Banks

Your UK bank is the most expensive way to send money to South Africa.

On a £6,000 transfer, banks like Barclays will add 2.41% markup, getting you R128,976.60 vs R132,525.60 with MoneyGram.

We found Barclays was the cheapest bank on 30 of the 30 days it appeared for this amount.

Ways to fund GBP and receive ZAR in South Africa

Pay-in and pay-out methods will affect how much GBP you deposit and how much ZAR your recipient gets. Use the table below to see how different options change how much you pay and what they get.

Our data shows that MoneyGram gets your recipient 3,549 ZAR more than Barclays, today's cheapest bank, on the same £6,000.

The overall best and cheapest way to send £6,000 to South Africa is via MoneyGram, using a debit card to deposit GBP and card deposit to receive ZAR.

Depositing GBP

You have 3 pay-in options for transfers to South Africa, including bank transfer, debit card, and credit card.

The cheapest pay-in option is bank transfer.

The fastest option in the UK is almost always bank transfer, since most companies use Open Banking and Faster Payments System (FPS).

The most expensive deposit option is credit card.

Be careful with credit card deposits, since your bank often treats it as a cash advance and will charge interest.

Receiving money in South Africa

Money can reach South Africa by bank deposit, card deposit, and cash pickup, and each delivery method comes with its own fees.

The cheapest way to receive money in South Africa is with card deposit on average.

Receiving cash

MoneyGram is the cheapest option for cash pickup (getting you R132,525.60 on a £6,000 transfer).

Digital wallets

Your recipient can receive ZAR directly into a digital wallet (like PayPal or similar) which usually takes a few minutes to arrive.

  1. 1
    Debit card Card deposit

    You pay £6,000.00

    R132,526

    Cheapest

  2. 2
    Credit card Card deposit

    You pay £6,000.00

    R132,526

    R0

  3. 3
    Bank transfer Bank deposit

    You pay £6,000.00

    R131,796

    -R729

  4. 4
    Bank transfer Cash pickup

    You pay £6,000.00

    R131,141

    -R1,384

  5. 5
    Debit card Bank deposit

    You pay £6,000.00

    R131,039

    -R1,487

Show moreShow less
  1. 6
    Credit card Bank deposit

    You pay £6,000.00

    R130,723

    -R1,802

  2. 7
    Debit card Cash pickup

    You pay £6,000.00

    R130,518

    -R2,008

  3. 8
    Credit card Cash pickup

    You pay £6,000.00

    R130,518

    -R2,008

Consider this when sending GBP to South Africa

There are a few nuances you should consider before sending GBP to South Africa such as limits, taxes, and safety.

Compare GBP/ZAR transfer options

Right now, these are the best money transfer options for a £6,000 transfer to South Africa:

Cheapest way to send money to South Africa

The cheapest way is to use MoneyGram, pay in with a debit card and withdraw via card deposit. You will get R132,525.60, which is 0.55% more than the next best option.

Fastest way to send money to South Africa

The fastest way is to use Revolut via bank transfer deposit and bank deposit for pay out. You get R130,548 and it will arrive in within minutes.

UK transfer limits

There is no legal limit and no tax on sending your own money abroad.

Main hard limits come from your bank or money transfer company, often around £10,000 to £25,000 online (which you can usually increase in the app).

Also, the "£10,000 declaration" only applies to physically carrying cash through the border, not online transfers.

And on bigger GBP/ZAR transfers (roughly £10,000 up) expect a source-of-funds check, such as a payslip or a statement.

These are anti-money-laundering checks, and they can hold your transfer up, so have the documents ready.

The transfer costs involved

Your cost is the fee plus the exchange-rate margin.

For example, sending £6,000 with MoneyGram will get you 132,525.60 ZAR, that’s including £0 fee and -0.3% in exchange rate markup.

A bank like Barclays on the other hand, will get you R128,976.60, that’s £0 in fees but 2.41% in FX fees.

Taxes on money transfers

There is no UK tax for the act of sending money to South Africa.

And, regular gifts from your normal income are free of inheritance tax straight away, with no cap and no seven-year wait, as long as you can still cover your usual living costs.

Staying safe when sending abroad

Only ever use a provider authorised by the FCA, which you can check on the FCA register in under a minute.

The rules in place for any scams cover domestic pound transfers only, on a transfer abroad you're less protected.

Always confirm who you're really sending to before you send, because there's little recourse after.

For more information, check our guide to money transfer regulations in the UK.

How we analyse the market

We track 14 regulated companies offering money transfers from the UK to South Africa in real time.

We analyse the fees, exchange rates, deposit/withdrawal methods, and each goes through our internal review.

Most GBP/ZAR pricing data comes directly from the providers. We collect the rest manually, run it through our comparison engine and label it in the table.

In the past 30 days alone, we analysed 209 comparisons across 7 amounts.

This page covers the cheapest and fastest options for GBP/ZAR transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

More on how we work:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.