From 10 companies analysed, Key Currency is the cheapest way to send money to South Africa, giving your recipient 131,186.89 ZAR when you send SEK 80,000.
Deposit with bank transfer and use bank deposit for withdrawal to get the most ZAR.
| 10 of 10 providers Last updated on 26 September 2026 | |||
| Based on 80,000 SEK transfer Best companies for SEK/ZAR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee 469,88 kr 1 SEK = 1.6447 ZAR -0.04% vs mid-market | Recipient gets 130 800,01 R Within a week | |
Ways to receive money in South Africa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer 469,88 kr1 SEK = 1.6447 ZAR 130 800,01 RYou pay80 000,00 kr | |||
| Promoted  Xe Pay via Debit card | Fee 0,00 kr 1 SEK = 1.6156 ZAR +1.74% vs mid-market | Recipient gets 129 248,00 R 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 SEK = 1.6156 ZAR 129 248,00 RYou pay80 000,00 kr | |||
Run a live search Showing top Sweden to South Africa deals for 80,000 SEK. 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 SEK 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 SEK you're planning to spend in South Africa. | |||
Run a live search These are managed services with real human support for large SEK 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 0,00 kr 1 SEK = 1.6398 ZAR +0.25% vs mid-market | Recipient gets 131 186,89 R 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 SEK = 1.6398 ZAR 131 186,89 RYou pay80 000,00 kr | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee 0,00 kr 1 SEK = 1.6395 ZAR +0.27% vs mid-market | Recipient gets 131 160,59 R 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 SEK = 1.6395 ZAR 131 160,59 RYou pay80 000,00 kr | |||
 TorFx Pay via Bank transfer | Fee 0,00 kr 1 SEK = 1.6390 ZAR +0.30% vs mid-market | Recipient gets 131 121,13 R 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 SEK = 1.6390 ZAR 131 121,13 RYou pay80 000,00 kr | |||
 TapTap Send Pay via Debit card | Fee 0,00 kr 1 SEK = 1.6370 ZAR +0.42% vs mid-market | Recipient gets 130 960,00 R Minutes | |
Ways to receive money in South Africa with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 SEK = 1.6370 ZAR 130 960,00 RYou pay80 000,00 kr | |||
| Wise Pay via Bank transfer | Fee 469,88 kr 1 SEK = 1.6447 ZAR -0.04% vs mid-market | Recipient gets 130 800,01 R Within a week | |
Ways to receive money in South Africa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer 469,88 kr1 SEK = 1.6447 ZAR 130 800,01 RYou pay80 000,00 kr | |||
 Currencies Direct Pay via Bank transfer | Fee 0,00 kr 1 SEK = 1.6303 ZAR +0.83% vs mid-market | Recipient gets 130 424,00 R 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 SEK = 1.6303 ZAR 130 424,00 RYou pay80 000,00 kr | |||
 Moneycorp Pay via Bank transfer | Fee 0,00 kr 1 SEK = 1.6209 ZAR +1.40% vs mid-market | Recipient gets 129 674,46 R 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 SEK = 1.6209 ZAR 129 674,46 RYou pay80 000,00 kr | |||
| Wise Pay via Debit card | Fee 1 330,50 kr 1 SEK = 1.6447 ZAR -0.04% vs mid-market | Recipient gets 129 384,58 R Within a week | |
Ways to receive money in South Africa with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer 1 330,50 kr1 SEK = 1.6447 ZAR 129 384,58 RYou pay80 000,00 kr | |||
| Xe Pay via Debit card | Fee 0,00 kr 1 SEK = 1.6156 ZAR +1.74% vs mid-market | Recipient gets 129 248,00 R 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 SEK = 1.6156 ZAR 129 248,00 RYou pay80 000,00 kr | |||
| Xe Pay via Bank transfer | Fee 0,00 kr 1 SEK = 1.6156 ZAR +1.74% vs mid-market | Recipient gets 129 248,00 R 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 SEK = 1.6156 ZAR 129 248,00 RYou pay80 000,00 kr | |||
| Xe Pay via Credit card | Fee 0,00 kr 1 SEK = 1.6156 ZAR +1.74% vs mid-market | Recipient gets 129 248,00 R 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 SEK = 1.6156 ZAR 129 248,00 RYou pay80 000,00 kr | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee 30,00 kr 1 SEK = 1.6149 ZAR +1.78% vs mid-market | Recipient gets 129 192,00 R Minutes - 24 hours | |
Ways to receive money in South Africa with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks 30,00 kr1 SEK = 1.6149 ZAR 129 192,00 RYou pay80 030,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 1.6149 ZAR 129 192,00 RYou pay80 040,00 kr Card depositMinutes - 24 hoursAvailable via:Bank Debit Card Free1 SEK = 1.5984 ZAR 127 872,00 RYou pay80 000,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee 30,00 kr 1 SEK = 1.6149 ZAR +1.78% vs mid-market | Recipient gets 129 192,00 R Minutes - 24 hours | |
Ways to receive money in South Africa with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks 30,00 kr1 SEK = 1.6149 ZAR 129 192,00 RYou pay80 030,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 1.6149 ZAR 129 192,00 RYou pay80 040,00 kr Card depositMinutes - 24 hoursAvailable via:Bank Debit Card Free1 SEK = 1.5984 ZAR 127 872,00 RYou pay80 000,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee 30,00 kr 1 SEK = 1.6149 ZAR +1.78% vs mid-market | Recipient gets 129 192,00 R 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 30,00 kr1 SEK = 1.6149 ZAR 129 192,00 RYou pay80 030,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 1.6149 ZAR 129 192,00 RYou pay80 040,00 kr | |||
| Wise Pay via Credit card | Fee 1 492,71 kr 1 SEK = 1.6447 ZAR -0.04% vs mid-market | Recipient gets 129 117,80 R Within a week | |
Ways to receive money in South Africa with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer 1 492,71 kr1 SEK = 1.6447 ZAR 129 117,80 RYou pay80 000,00 kr | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee 1 620,00 kr 1 SEK = 1.6330 ZAR +0.67% vs mid-market | Recipient gets 127 994,98 R Within minutes | |
Ways to receive money in South Africa with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes 1 620,00 kr1 SEK = 1.6330 ZAR 127 994,98 RYou pay80 000,00 kr | |||
| 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. | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee 3 340,00 kr 1 SEK = 1.6330 ZAR +0.67% vs mid-market | Recipient gets 125 186,21 R Within minutes | |
Ways to receive money in South Africa with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes 3 340,00 kr1 SEK = 1.6330 ZAR 125 186,21 RYou pay80 000,00 kr | |||
| 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 SEK = 1.6439 ZAR Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to South Africa, I suggest picking the cheapest option which is Key Currency.
On a 80,000 SEK 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 SEK/ZAR rate.
You can pay for the transfer using bank transfer, debit card, and credit card.
A transfer from your Swedish bank is usually the easiest way to fund the transfer.
Before you can send money to South Africa, you'll need to verify your account.
Most companies do it with BankID.
If you can't get BankID yet, some companies will take a passport instead (but its less common).
10 companies send money from Sweden to South Africa, mostly through broker, app, online, multi-currency account, global account, and in person, and a few more ways.
Medium-sized transfers
For a one-off transfer to South Africa, an online service like Wise is usually the simplest place to start.
Wise charges kr469.88 to send 80,000 SEK, leaving your recipient with 130,800.01 after a -0.05% markup on SEK/ZAR exchange rate.
Regular SEK transfers
For smaller regular transfers, apps are the most convenient and easiest way to send money to South Africa.
TapTap Send charges kr0 on a 80,000 SEK transfer and money will arrive in minutes.
You recipient can withdraw via bank deposit, cash pickup, and card deposit.
In many cases you will need a BankID to verify your account, but a few will do with a passport or drivers licence.
Spending and travelling
A multi-currency account makes sense if you regularly need ZAR.
You can convert your kronor in advance and use the balance when needed without extra fees.
Wise converts SEK 80,000 with a -0.05% exchange-rate markup and holds the ZAR in your account.
Paying from business accounts
If your business receives and sends money in South Africa, a global account keeps the ZAR in one place.
You can pay invoices from the balance and convert when needed.
WorldFirst and Airwallex are good options to try.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 80,000 SEK gives your recipient 131,186.89 ZAR.
From Sweden, you can fund the transfer by bank transfer, debit card, and credit card, and in South Africa, the recipient can use bank deposit, cash pickup, and card deposit.
Paying from your Swedish bank account
Send SEK using the account and reference shown by the money transfer company.
You may need to use BankID to approve and verify the payment.
For cash pickup, they can collect ZAR from a nearby MoneyGram agent in South Africa.
Swish is useful for payments within Sweden, but it does not send ZAR to South Africa.
You pay kr80,000.00
R131,187
Cheapest
You pay kr80,000.00
R130,960
-R227
You pay kr80,000.00
R129,248
-R1,939
You pay kr80,040.00
R129,192
-R1,995
You pay kr80,040.00
R129,192
-R1,995
You pay kr80,040.00
R129,192
-R1,995
You pay kr80,000.00
R127,872
-R3,315
You pay kr80,000.00
R127,872
-R3,315
Swedish banks are safe but often expensive for foreign payments. Compare money transfer companies available to get the most of ZAR from Sweden.
Cheapest way to send money to South Africa
The cheapest option for ZAR 131,186.89 is Key Currency. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 131,186.89 ZAR, which is 0.02% more than the next best option.
Fastest way to send money to South Africa
With Revolut, a bank transfer deposit and bank deposit payout delivers 127,994.98 ZAR in within minutes.
Swish moves money between participating Swedish accounts, it cannot send SEK to South Africa.
You may still use a Swedish bank transfer to pay for the transfer online, but beyond that, the company will move SEK to South Africa over local rails or SWIFT.
A bank can ask for the purpose and source of a large or unusual payment.
Property sales, inheritances and transfers between your own accounts are easier to clear when the documents match the description you gave the bank.
Tell your bank before a time-sensitive payment and keep the sale contract, estate document or account statement ready.
And do not split one large payment into many small ones, since it can trigger more questions.
Sweden has no gift or inheritance tax, so sending a cash gift does not create a Swedish gift-tax return.
South Africa may have their own rules on receiving monetary gifts.
The final rate controls how much ZAR you get for your SEK, so compare it alongside the transfer fee.
Mid-market rate:1 SEK = 1.643946 ZAR
We track 10 companies sending SEK to South Africa, all registered with Finansinspektionen or passported in, with rates refreshed in real time on live searches.
The krona floats, so we compare on what actually arrives, alongside fees and the ways to pay and collect.
Each goes through our review. More on who we are, why you can trust us and getting 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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