Of the 3 companies we compared, Key Currency is the cheapest for sending SAR to South Africa, while Regency FX is the fastest. Sending SAR 50,000 with Key Currency gets your recipient 217,054.20 ZAR.
To get the most ZAR, deposit money with bank transfer, and withdraw via bank deposit.
| 3 of 3 providers Last updated on 10 November 2026 | |||
| Based on 50,000 SAR transfer Best companies for SAR/ZAR transfers | |||
| Promoted  Key Currency Pay via Bank transfer | Fee SAR 0.00 1 SAR = 4.3411 ZAR +0.25% vs mid-market | Recipient gets R 217,054.20 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 SAR = 4.3411 ZAR R 217,054.20You paySAR 50,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee SAR 0.00 1 SAR = 4.3402 ZAR +0.27% vs mid-market | Recipient gets R 217,010.68 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 SAR = 4.3402 ZAR R 217,010.68You paySAR 50,000.00 | |||
Run a live search Showing top Saudi Arabia to South Africa deals for 50,000 SAR. 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 SAR 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 SAR you're planning to spend in South Africa. | |||
Run a live search These are managed services with real human support for large SAR 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 SAR 0.00 1 SAR = 4.3411 ZAR +0.25% vs mid-market | Recipient gets R 217,054.20 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 SAR = 4.3411 ZAR R 217,054.20You paySAR 50,000.00 | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee SAR 0.00 1 SAR = 4.3402 ZAR +0.27% vs mid-market | Recipient gets R 217,010.68 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 SAR = 4.3402 ZAR R 217,010.68You paySAR 50,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee SAR 0.00 1 SAR = 4.3276 ZAR +0.56% vs mid-market | Recipient gets R 216,380.00 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 SAR = 4.3276 ZAR R 216,380.00You paySAR 50,000.00 | |||
| How Our Results Work Mid-market rate: 1 SAR = 4.3520 ZAR Updates every 60 minutes. | |||
Transfer details
For a one-off SAR transfer to South Africa, I suggest picking the cheapest option which is Key Currency.
Key Currency was the cheapest on 30 of the 30 days it quoted SAR50,000 transfers to South Africa.
On a 50,000 SAR transfer, Key Currency delivers the most ZAR.
The best option will change depending on how much you actually send, so I suggest to get the best SAR/ZAR rate.
You have 1 methods to fund your transfer: bank transfer.
Some other transfer services may accept mada-funded payments, but double check when signing up.
When registering with a new company, you will need to verify your account.
You'll need your Iqama to register and to send.
The cheapest way to send SAR 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 Key Currency), across 30 days of comparisons for 50,000 SAR transfers to South Africa.
Tue, Nov 10, 2026Mid-market rateR 217,598.20 Key Currency R 217,054.20Key CurrencyR 217,054.20Regency FXR 217,010.68Currencies DirectR 216,380.00
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3913 | – | R 219,564.40 | |
| | 4.3803 | SAR 0.00 | R 219,015.49 | −R 548.91 |
| | 4.3794 | SAR 0.00 | R 218,971.58 | −R 592.82 |
| | 4.3608 | SAR 0.00 | R 218,040.00 | −R 1,524.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3880 | – | R 219,400.45 | |
| | 4.3770 | SAR 0.00 | R 218,851.95 | −R 548.50 |
| | 4.3762 | SAR 0.00 | R 218,808.07 | −R 592.38 |
| | 4.3561 | SAR 0.00 | R 217,805.00 | −R 1,595.45 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3894 | – | R 219,468.05 | |
| | 4.3784 | SAR 0.00 | R 218,919.38 | −R 548.67 |
| | 4.3775 | SAR 0.00 | R 218,875.49 | −R 592.56 |
| | 4.3572 | SAR 0.00 | R 217,860.00 | −R 1,608.05 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.5025 | – | R 225,124.60 | |
| | 4.4912 | SAR 0.00 | R 224,561.79 | −R 562.81 |
| | 4.4903 | SAR 0.00 | R 224,516.76 | −R 607.84 |
| | 4.3797 | SAR 0.00 | R 218,985.00 | −R 6,139.60 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3824 | – | R 219,121.00 | |
| | 4.3715 | SAR 0.00 | R 218,573.20 | −R 547.80 |
| | 4.3706 | SAR 0.00 | R 218,529.37 | −R 591.63 |
| | 4.3466 | SAR 0.00 | R 217,330.00 | −R 1,791.00 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3885 | – | R 219,426.15 | |
| | 4.3776 | SAR 0.00 | R 218,877.58 | −R 548.57 |
| | 4.3767 | SAR 0.00 | R 218,833.70 | −R 592.45 |
| | 4.3582 | SAR 0.00 | R 217,910.00 | −R 1,516.15 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3951 | – | R 219,754.25 | |
| | 4.3841 | SAR 0.00 | R 219,204.86 | −R 549.39 |
| | 4.3832 | SAR 0.00 | R 219,160.91 | −R 593.34 |
| | 4.3582 | SAR 0.00 | R 217,910.00 | −R 1,844.25 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3745 | – | R 218,724.25 | |
| | 4.3635 | SAR 0.00 | R 218,177.44 | −R 546.81 |
| | 4.3627 | SAR 0.00 | R 218,133.69 | −R 590.56 |
| | 4.3554 | SAR 0.00 | R 217,770.00 | −R 954.25 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3539 | – | R 217,694.75 | |
| | 4.3430 | SAR 0.00 | R 217,150.51 | −R 544.24 |
| | 4.3421 | SAR 0.00 | R 217,106.97 | −R 587.78 |
| | 4.3327 | SAR 0.00 | R 216,635.00 | −R 1,059.75 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3784 | – | R 218,918.20 | |
| | 4.3674 | SAR 0.00 | R 218,370.90 | −R 547.30 |
| | 4.3665 | SAR 0.00 | R 218,327.12 | −R 591.08 |
| | 4.3460 | SAR 0.00 | R 217,300.00 | −R 1,618.20 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3698 | – | R 218,487.55 | |
| | 4.3588 | SAR 0.00 | R 217,941.33 | −R 546.22 |
| | 4.3580 | SAR 0.00 | R 217,897.63 | −R 589.92 |
| | 4.3557 | SAR 0.00 | R 217,785.00 | −R 702.55 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4032 | – | R 220,160.65 | |
| | 4.3922 | SAR 0.00 | R 219,610.25 | −R 550.40 |
| | 4.3913 | SAR 0.00 | R 219,566.22 | −R 594.43 |
| | 4.3718 | SAR 0.00 | R 218,590.00 | −R 1,570.65 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4158 | – | R 220,791.75 | |
| | 4.4048 | SAR 0.00 | R 220,239.77 | −R 551.98 |
| | 4.4039 | SAR 0.00 | R 220,195.61 | −R 596.14 |
| | 4.3866 | SAR 0.00 | R 219,330.00 | −R 1,461.75 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4158 | – | R 220,791.75 | |
| | 4.4048 | SAR 0.00 | R 220,239.77 | −R 551.98 |
| | 4.4039 | SAR 0.00 | R 220,195.61 | −R 596.14 |
| | 4.3856 | SAR 0.00 | R 219,280.00 | −R 1,511.75 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4386 | – | R 221,931.15 | |
| | 4.4275 | SAR 0.00 | R 221,376.32 | −R 554.83 |
| | 4.4266 | SAR 0.00 | R 221,331.94 | −R 599.21 |
| | 4.3967 | SAR 0.00 | R 219,835.00 | −R 2,096.15 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4508 | – | R 222,541.70 | |
| | 4.4397 | SAR 0.00 | R 221,985.35 | −R 556.35 |
| | 4.4388 | SAR 0.00 | R 221,940.84 | −R 600.86 |
| | 4.4079 | SAR 0.00 | R 220,395.00 | −R 2,146.70 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4482 | – | R 222,408.55 | |
| | 4.4371 | SAR 0.00 | R 221,852.53 | −R 556.02 |
| | 4.4362 | SAR 0.00 | R 221,808.05 | −R 600.50 |
| | 4.4127 | SAR 0.00 | R 220,635.00 | −R 1,773.55 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4358 | – | R 221,790.15 | |
| | 4.4247 | SAR 0.00 | R 221,235.67 | −R 554.48 |
| | 4.4238 | SAR 0.00 | R 221,191.32 | −R 598.83 |
| | 4.4006 | SAR 0.00 | R 220,030.00 | −R 1,760.15 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4294 | – | R 221,468.65 | |
| | 4.4183 | SAR 0.00 | R 220,914.98 | −R 553.67 |
| | 4.4174 | SAR 0.00 | R 220,870.68 | −R 597.97 |
| | 4.3987 | SAR 0.00 | R 219,935.00 | −R 1,533.65 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4534 | – | R 222,668.00 | |
| | 4.4422 | SAR 0.00 | R 222,111.33 | −R 556.67 |
| | 4.4413 | SAR 0.00 | R 222,066.80 | −R 601.20 |
| | 4.4197 | SAR 0.00 | R 220,985.00 | −R 1,683.00 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4534 | – | R 222,668.00 | |
| | 4.4422 | SAR 0.00 | R 222,111.33 | −R 556.67 |
| | 4.4413 | SAR 0.00 | R 222,066.80 | −R 601.20 |
| | 4.4198 | SAR 0.00 | R 220,990.00 | −R 1,678.00 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4295 | – | R 221,476.05 | |
| | 4.4184 | SAR 0.00 | R 220,922.36 | −R 553.69 |
| | 4.4176 | SAR 0.00 | R 220,878.06 | −R 597.99 |
| | 4.4105 | SAR 0.00 | R 220,525.00 | −R 951.05 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4226 | – | R 221,130.15 | |
| | 4.4115 | SAR 0.00 | R 220,577.32 | −R 552.83 |
| | 4.4107 | SAR 0.00 | R 220,533.10 | −R 597.05 |
| | 4.4038 | SAR 0.00 | R 220,190.00 | −R 940.15 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3951 | – | R 219,755.60 | |
| | 4.3841 | SAR 0.00 | R 219,206.21 | −R 549.39 |
| | 4.3832 | SAR 0.00 | R 219,162.26 | −R 593.34 |
| | 4.3741 | SAR 0.00 | R 218,705.00 | −R 1,050.60 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3565 | – | R 217,827.10 | |
| | 4.3457 | SAR 0.00 | R 217,282.53 | −R 544.57 |
| | 4.3448 | SAR 0.00 | R 217,238.97 | −R 588.13 |
| | 4.3272 | SAR 0.00 | R 216,360.00 | −R 1,467.10 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4046 | – | R 220,227.80 | |
| | 4.3935 | SAR 0.00 | R 219,677.23 | −R 550.57 |
| | 4.3927 | SAR 0.00 | R 219,633.18 | −R 594.62 |
| | 4.3721 | SAR 0.00 | R 218,605.00 | −R 1,622.80 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3994 | – | R 219,970.90 | |
| | 4.3884 | SAR 0.00 | R 219,420.97 | −R 549.93 |
| | 4.3875 | SAR 0.00 | R 219,376.98 | −R 593.92 |
| | 4.3686 | SAR 0.00 | R 218,430.00 | −R 1,540.90 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3977 | – | R 219,887.20 | |
| | 4.3867 | SAR 0.00 | R 219,337.48 | −R 549.72 |
| | 4.3859 | SAR 0.00 | R 219,293.50 | −R 593.70 |
| | 4.3686 | SAR 0.00 | R 218,430.00 | −R 1,457.20 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3850 | – | R 219,252.30 | |
| | 4.3741 | SAR 0.00 | R 218,704.17 | −R 548.13 |
| | 4.3732 | SAR 0.00 | R 218,660.32 | −R 591.98 |
| | 4.3611 | SAR 0.00 | R 218,055.00 | −R 1,197.30 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.3520 | – | R 217,598.20 | |
| | 4.3411 | SAR 0.00 | R 217,054.20 | −R 544.00 |
| | 4.3402 | SAR 0.00 | R 217,010.68 | −R 587.52 |
| | 4.3276 | SAR 0.00 | R 216,380.00 | −R 1,218.20 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 4.3520 | – | R 217,598.20 | |
|---|---|---|---|---|
| | ||||
| | ||||
| |
Each line shows what the recipient gets when you send SAR 50,000, after fees, as quoted by each company. The mid-market line shows what SAR 50,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.
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 SAR than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of ZAR on every transfer from Saudi Arabia.
Right now, Key Currency pays 217,054.20 ZAR on 50,000 SAR, which is 544 ZAR less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 224,561.79 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.
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 30 comparisons to check how often today's top companies were the cheapest across 1 amounts over the past month.
Cheapest every time
Never the cheapest
Never the cheapest
Based on 7 comparisons across 1 amounts over the last 7 days.
Cheapest every time
Never the cheapest
Never the cheapest
Based on 30 comparisons across 1 amounts over the last 30 days.
Cheapest in 94% of them
Never the cheapest
Cheapest in 6% of them
Based on 90 comparisons across 1 amounts over the last 90 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 Key Currency is the cheapest and gets you the most ZAR, and it was also the cheapest in 100% of the 30 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to South Africa.
Regency FX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to South Africa.
3 companies send money from Saudi Arabia to South Africa, using currency broker and multi-currency account and other options.
Very large transfers
A currency broker can help with timing the exchange rate and paperwork on a large transfer to South Africa from Saudi Arabia.
Key Currency charges an exchange-rate markup of around 0.25% with no fees and gives you someone to contact throughout the transfer.
Our analysis shows Key Currency was the cheapest broker in 100% of all the transfers it quoted.
You will need your Iqama, salary certificate and source-of-funds documents beforehand.
Paying suppliers and contractors
Holding multiple currencies
Currencies Direct lets you hold multiple currencies in one account and swap them when you need.
Converting SAR 50,000 will get you 216,380 ZAR with Currencies Direct.
Over the past month, Currencies Direct came out cheapest among multi-currency accounts on 100% of days.
This is useful if you are getting paid from South Africa, making recurring payments in ZAR, or frequently travelling to South Africa.
Another option is a foreign-currency account at your bank or an overseas account.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending SAR 50,000 gives your recipient 217,054.20 ZAR.
For payment, choose bank transfer.
The recipient can collect ZAR using bank deposit.
You pay SAR50,000.00
R217,054
Cheapest
Here are a few things to consider when making money transfers from Saudi Arabia to South Africa.
I would suggest starting with these companies unless you have special needs (like specific funding or receiving options):
Cheapest:
Key Currency, paid by bank transfer with bank deposit in South Africa. Your recipient gets 217,054.20 ZAR, which is 0.02% more than the next option.
Fastest:
Regency FX, funded by bank transfer with bank deposit for the payout. It delivers 217,010.68 ZAR in minutes - 24 hours.
SAMA's rules for licensed money-transfer centres link an individual customer's limit to documented monthly income.
The rule caps transfers at the monthly salary or SAR 50,000 per month, whichever is lower, with an annual limit of SAR 500,000 where income is proved.
That does not mean every money transfer app will let you send the full amount as they can set their own limits.
SARIE and mada card can be used inside Saudi Arabia only.
A wallet or transfer company may use them to collect your payment, but a licensed cross-border service still handles the transfer internally using local rails or internal network of bank accounts.
Only use a bank, wallet, exchange business or remittance centre licensed by the Saudi Central Bank.
Do not hand money to an informal dealer because their rate looks better.
Check the recipient details before paying and keep the receipt.
If the company does not resolve a held or failed transfer, raise the complaint through SAMA Cares.
We track 3 companies sending SAR to South Africa, with rates refreshed in real time on live comparisons.
The riyal is fixed to the dollar, so we compare on what lands in ZAR, along with the fee and the ways to pay and collect.
In the past 30 days alone, we analysed 30 comparisons across 1 amounts.
This page covers the cheapest and fastest options for SAR/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.
Each one goes through our review first.
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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