From the 6 money transfer services available, we found Key Currency to be the cheapest and Regency FX to be the fastest. You can send ZAR via bank transfer, and you can receive EUR via bank deposit.
| 6 of 6 providers Last updated on 10 November 2026 | |||
| Based on 130,000 ZAR transfer Best companies for ZAR/EUR transfers | |||
| Promoted  TorFx Pay via Bank transfer | Fee R 0,00 1 ZAR = 0.0542 EUR +0.30% vs mid-market | Recipient gets €7 051,69 Minutes - 24 hours | |
Ways to receive money in France with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 0.0542 EUR €7 051,69You payR 130 000,00 | |||
| Promoted  Key Currency Pay via Bank transfer | Fee R 0,00 1 ZAR = 0.0543 EUR +0.25% vs mid-market | Recipient gets €7 055,23 Minutes - 3 days | |
Ways to receive money in France with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 ZAR = 0.0543 EUR €7 055,23You payR 130 000,00 | |||
Run a live search Showing top South Africa to France deals for 130,000 ZAR. 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 ZAR to EUR rates. | |||
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much ZAR you're planning to spend in France. | |||
Run a live search These are managed services with real human support for large ZAR 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 R 0,00 1 ZAR = 0.0543 EUR +0.25% vs mid-market | Recipient gets €7 055,23 Minutes - 3 days | |
Ways to receive money in France with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 ZAR = 0.0543 EUR €7 055,23You payR 130 000,00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee R 0,00 1 ZAR = 0.0543 EUR +0.27% vs mid-market | Recipient gets €7 053,81 Minutes - 24 hours | |
Ways to receive money in France with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 0.0543 EUR €7 053,81You payR 130 000,00 | |||
| TorFx Pay via Bank transfer | Fee R 0,00 1 ZAR = 0.0542 EUR +0.30% vs mid-market | Recipient gets €7 051,69 Minutes - 24 hours | |
Ways to receive money in France with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 0.0542 EUR €7 051,69You payR 130 000,00 | |||
 Currencies Direct Pay via Bank transfer | Fee R 0,00 1 ZAR = 0.0541 EUR +0.66% vs mid-market | Recipient gets €7 026,50 Minutes - 24 hours | |
Ways to receive money in France with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 0.0541 EUR €7 026,50You payR 130 000,00 | |||
 CurrencyFair Pay via Bank transfer | Fee R 55,14 1 ZAR = 0.0540 EUR +0.81% vs mid-market | Recipient gets €7 013,10 Minutes - 24 hours | |
Ways to receive money in France with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours R 55,141 ZAR = 0.0540 EUR €7 013,10You payR 130 000,00 | |||
 Moneycorp Pay via Bank transfer | Fee R 0,00 1 ZAR = 0.0536 EUR +1.40% vs mid-market | Recipient gets €6 973,89 Minutes - 2 days | |
Ways to receive money in France with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 ZAR = 0.0536 EUR €6 973,89You payR 130 000,00 | |||
| How Our Results Work Mid-market rate: 1 ZAR = 0.0544 EUR Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to France, I suggest picking the cheapest option which is Key Currency.
Key Currency was the cheapest on 23 of the 24 days it quoted R130,000 transfers to France.
On a 130,000 ZAR transfer, Key Currency delivers the most EUR.
The best option will change depending on how much you actually send, so I suggest to get the best ZAR/EUR rate.
You have 1 ways to pay, including bank transfer.
PayShap is the quickest way to fund your transfer, though it caps at R50,000 a transaction.
Above that you're on a normal EFT, which is same-day or next-day rather than instant.
First time round you'll need your ID and proof of address.
Anything beyond your yearly allowance needs a tax number and clearance from SARS first, so check which side of that line you're on.
How much ZAR you send to France 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 Key Currency was the cheapest in 96% of all the transfers it quoted over the past month.
| Cheapest service | |||||
|---|---|---|---|---|---|
| R 2 000 | 0.66% | R 0,00 | €108,18with bank transfer to bank deposit | +€6,51 | |
| R 4 500 | 0.67% | R 0,00 | €243,32with bank transfer to bank deposit | +€14,14 | |
| R 5 000 | 0.72% | R 0,00 | €270,00with bank transfer to bank deposit | +€15,53 | |
| R 50 000 | 0.27% | R 0,00 | €2 712,06with bank transfer to bank deposit | +€15,14 | |
| R 100 000 | 0.27% | R 0,00 | €5 423,82with bank transfer to bank deposit | +€24,75 | |
| R 130 000This page | 0.25% | R 0,00 | €7 055,23with bank transfer to bank deposit | +€26,19 |
Mid-market rate: 1 ZAR = 0.0544 EUR
The cheapest way to send ZAR to EUR 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 130,000 ZAR transfers to France.
Tue, 10 Nov 2026Mid-market rate€7 072,91 Key Currency €7 055,23Key Currency€7 055,23Regency FX€7 053,81TorFx€7 051,69
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0541 | – | €7 033,52 | |
| | 0.0540 | R 0,00 | €7 015,94 | −€17,58 |
| | 0.0540 | R 0,00 | €7 014,53 | −€18,99 |
| | 0.0539 | R 0,00 | €7 012,42 | −€21,10 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 0.0540 | R 0,00 | €7 014,80 | – |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0541 | – | €7 037,68 | |
| | 0.0540 | R 0,00 | €7 020,09 | −€17,59 |
| | 0.0540 | R 0,00 | €7 018,68 | −€19,00 |
| | 0.0540 | R 0,00 | €7 016,57 | −€21,11 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0539 | – | €7 004,79 | |
| | 0.0537 | R 0,00 | €6 987,28 | −€17,51 |
| | 0.0537 | R 0,00 | €6 985,88 | −€18,91 |
| | 0.0537 | R 0,00 | €6 983,78 | −€21,01 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0541 | – | €7 033,00 | |
| | 0.0540 | R 0,00 | €7 015,42 | −€17,58 |
| | 0.0540 | R 0,00 | €7 014,01 | −€18,99 |
| | 0.0539 | R 0,00 | €7 011,90 | −€21,10 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0540 | – | €7 013,89 | |
| | 0.0538 | R 0,00 | €6 996,36 | −€17,53 |
| | 0.0538 | R 0,00 | €6 994,95 | −€18,94 |
| | 0.0538 | R 0,00 | €6 992,85 | −€21,04 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0540 | – | €7 013,89 | |
| | 0.0538 | R 0,00 | €6 996,36 | −€17,53 |
| | 0.0538 | R 0,00 | €6 994,95 | −€18,94 |
| | 0.0538 | R 0,00 | €6 992,85 | −€21,04 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 0.0538 | R 0,00 | €6 997,90 | – |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 0.0540 | R 0,00 | €7 014,80 | – |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0543 | – | €7 059,91 | |
| | 0.0542 | R 0,00 | €7 042,26 | −€17,65 |
| | 0.0542 | R 0,00 | €7 040,85 | −€19,06 |
| | 0.0541 | R 0,00 | €7 038,73 | −€21,18 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0540 | – | €7 019,35 | |
| | 0.0539 | R 0,00 | €7 001,80 | −€17,55 |
| | 0.0538 | R 0,00 | €7 000,40 | −€18,95 |
| | 0.0538 | R 0,00 | €6 998,29 | −€21,06 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0540 | – | €7 014,93 | |
| | 0.0538 | R 0,00 | €6 997,39 | −€17,54 |
| | 0.0538 | R 0,00 | €6 995,99 | −€18,94 |
| | 0.0538 | R 0,00 | €6 993,89 | −€21,04 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0539 | – | €7 001,93 | |
| | 0.0537 | R 0,00 | €6 984,43 | −€17,50 |
| | 0.0537 | R 0,00 | €6 983,02 | −€18,91 |
| | 0.0537 | R 0,00 | €6 980,92 | −€21,01 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0539 | – | €7 001,93 | |
| | 0.0537 | R 0,00 | €6 984,43 | −€17,50 |
| | 0.0537 | R 0,00 | €6 983,02 | −€18,91 |
| | 0.0537 | R 0,00 | €6 980,92 | −€21,01 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0537 | – | €6 981,39 | |
| | 0.0536 | R 0,00 | €6 963,94 | −€17,45 |
| | 0.0536 | R 0,00 | €6 962,54 | −€18,85 |
| | 0.0535 | R 0,00 | €6 960,45 | −€20,94 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0538 | – | €6 989,58 | |
| | 0.0536 | R 0,00 | €6 972,11 | −€17,47 |
| | 0.0536 | R 0,00 | €6 970,71 | −€18,87 |
| | 0.0536 | R 0,00 | €6 968,61 | −€20,97 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0540 | – | €7 015,45 | |
| | 0.0538 | R 0,00 | €6 997,91 | −€17,54 |
| | 0.0538 | R 0,00 | €6 996,51 | −€18,94 |
| | 0.0538 | R 0,00 | €6 994,40 | −€21,05 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0540 | – | €7 014,02 | |
| | 0.0538 | R 0,00 | €6 996,48 | −€17,54 |
| | 0.0538 | R 0,00 | €6 995,08 | −€18,94 |
| | 0.0538 | R 0,00 | €6 992,98 | −€21,04 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0538 | – | €6 988,54 | |
| | 0.0536 | R 0,00 | €6 971,07 | −€17,47 |
| | 0.0536 | R 0,00 | €6 969,67 | −€18,87 |
| | 0.0536 | R 0,00 | €6 967,57 | −€20,97 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0534 | – | €6 938,62 | |
| | 0.0532 | R 0,00 | €6 921,27 | −€17,35 |
| | 0.0532 | R 0,00 | €6 919,89 | −€18,73 |
| | 0.0532 | R 0,00 | €6 917,80 | −€20,82 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0534 | – | €6 938,62 | |
| | 0.0532 | R 0,00 | €6 922,50 | −€16,12 |
| | 0.0532 | R 0,00 | €6 921,27 | −€17,35 |
| | 0.0532 | R 0,00 | €6 919,89 | −€18,73 |
| | 0.0532 | R 0,00 | €6 917,80 | −€20,82 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0537 | – | €6 975,54 | |
| | 0.0535 | R 0,00 | €6 958,10 | −€17,44 |
| | 0.0535 | R 0,00 | €6 956,71 | −€18,83 |
| | 0.0535 | R 0,00 | €6 954,61 | −€20,93 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0537 | – | €6 975,02 | |
| | 0.0535 | R 0,00 | €6 957,58 | −€17,44 |
| | 0.0535 | R 0,00 | €6 956,19 | −€18,83 |
| | 0.0535 | R 0,00 | €6 954,09 | −€20,93 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0539 | – | €7 006,48 | |
| | 0.0535 | R 55,66 | €6 946,80 | −€59,68 |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0543 | – | €7 057,31 | |
| | 0.0542 | R 0,00 | €7 039,67 | −€17,64 |
| | 0.0541 | R 0,00 | €7 038,26 | −€19,05 |
| | 0.0541 | R 0,00 | €7 036,14 | −€21,17 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0540 | – | €7 025,46 | |
| | 0.0539 | R 0,00 | €7 007,90 | −€17,56 |
| | 0.0539 | R 0,00 | €7 006,49 | −€18,97 |
| | 0.0539 | R 0,00 | €7 004,38 | −€21,08 |
No data was collected on Sat, 07 Nov 2026.
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0543 | – | €7 057,44 | |
| | 0.0542 | R 0,00 | €7 039,80 | −€17,64 |
| | 0.0541 | R 0,00 | €7 038,38 | −€19,06 |
| | 0.0541 | R 0,00 | €7 036,27 | −€21,17 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0543 | – | €7 052,63 | |
| | 0.0538 | R 55,30 | €6 991,00 | −€61,63 |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0544 | – | €7 072,91 | |
| | 0.0543 | R 0,00 | €7 055,23 | −€17,68 |
| | 0.0543 | R 0,00 | €7 053,81 | −€19,10 |
| | 0.0542 | R 0,00 | €7 051,69 | −€21,22 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 0.0544 | – | €7 072,91 | |
|---|---|---|---|---|
| | ||||
| | ||||
| | ||||
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Each line shows what the recipient gets when you send R 130 000, after fees, as quoted by each company. The mid-market line shows what R 130 000 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 EUR per ZAR 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 EUR on every transfer from South Africa.
Right now, Key Currency pays 7,055.23 EUR on 130,000 ZAR, which is 17.68 EUR less than the mid-market amount.
Today's payout is the highest in the past month.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to France.
We've tracked 175 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.
Cheapest every time
Cheapest in 60% of them
Never the cheapest
Based on 42 comparisons across 6 amounts over the last 7 days.
Cheapest in 96% of them
Cheapest in 45% of them
Cheapest in 2% of them
Based on 175 comparisons across 6 amounts over the last 30 days.
Cheapest in 99% of them
Cheapest in 19% of them
Cheapest in 1% of them
Based on 253 comparisons across 6 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, but it only quotes some of the amounts we track, so it isn't included in these figures.
6 companies send money from South Africa to France.
Frequent transfers from South Africa
Apps and online services are best for recurring transfers to France.
Moneycorp is the cheapest option.
It will get you 6,973.89 EUR on a R130,000 transfer.
For fast transfers, Moneycorp is a good option, it will deliver EUR in minutes - 2 days.
In our comparisons over the past month, it was the cheapest online service on 26 of the 26 days it quoted.
Most companies will let you fund your transfer by EFT, and will ask for your FICA details.
Emigration and large transfers
Currency brokers are great for large transfers from South Africa to France.
They have no fees and add a markup on top of ZAR/EUR rate.
Key Currency charges an exchange-rate markup of around 0.25% and no fees.
Our analysis shows Key Currency was the cheapest broker in 96% of all the transfers it quoted.
Also, don’t forget about the R2 million limits on transfers from South Africa (more below).
For business payments abroad
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending R130,000 gives your recipient 7,055.23 EUR.
You can fund the transfer with bank transfer.
To receive EUR in France, your recipient can use bank deposit.
You pay R130,000.00
€7,055
Cheapest
South African exchange control dictates how much you can move and which paperwork you need. The exchange-rate margin then decides whether a bank, an online money transfer company or a forex specialist is cheaper.
For a ZAR 130,000 transfer to France, the current best options are:
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 7,055.23 EUR, which is 0.02% more than the next best option.
The fastest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 7,053.81 EUR in minutes - 24 hours.
South African residents aged 18 or older can use the single discretionary allowance to transfer up to R2 million per calendar year for legal purposes abroad without a SARS tax-compliance PIN.
A further foreign capital allowance of up to R10 million is available with an Approval International Transfer PIN from SARS.
Amounts above the allowances need specific approval through an authorised dealer.
The allowances cover more than money transfers.
Foreign card spending and other qualifying use can reduce what remains, so check your year-to-date total before making payments.
The SARB Financial Surveillance guidance explains how the allowances can be used.
Every legal cross-border payment in rand passes through an authorised dealer and carries a balance-of-payments purpose code.
A bank, transfer company or forex specialist may handle the form, but you are still responsible for giving the right reason.
Keep any relevant documents on hand, such as the property sale agreement, emigration documents, tuition invoice, proof of savings, etc.
For an emigration transfer, a specialist service can be useful because the AIT paperwork matters as much as the rate.
For the 2026/27 tax year, a natural person can make up to R150,000 of donations each year before donations tax applies.
The donor generally pays 20% on taxable donations up to the first R30 million of cumulative taxable gifts.
Payments between spouses and reasonable maintenance payments can be exempt.
A large family transfer should be classified before sending, rather than treated as tax-free because the recipient lives abroad.
Search the company or its FSP number in the FSCA register.
Never move a transfer to crypto or a personal account to bypass exchange control.
Keep the quote, purpose-code confirmation and proof of payment until the recipient has the money.
Every rand that leaves South Africa goes through an authorised dealer, and every company here is FSCA-registered.
We track 6 of them on ZAR to France, comparing rates, fees and the pay-in and payout options in real time on live comparisons.
In the past 30 days alone, we analysed 175 comparisons across 6 amounts.
This page covers the cheapest and fastest options for ZAR/EUR 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.
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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