How to send money to Gambia from South Africa with the best ZAR-GMD rate

Comparing providers offering services between South Africa and Gambia, based on your specific needs is the best way to send money with confidence.

Right now, for ZAR/GMD

• Western Union Agent is our top choice for ZAR to GMD transfers. Sending 4,300 ZAR to GMD will cost you R129 in fees, and you will receive 17,216.85 GMD. The delivery time usually is minutes - 5 days, but it depends on the day you make the transfer.

• MoneyGram Agent offers the lowest cost transfers of the 3 compared. Data collected for transfers between South Africa and Gambia over the past week shows that MoneyGram Agent is 0% cheaper than the second-best option.

• Of 3 companies compared, PayPal App (P2P Transfer) offers the quickest way to send Rands to Gambia is with minutes. When speed matters, PayPal App (P2P Transfer) is our recommended choice for sending into Gambia from South Africa.

Our comparison includes 3 companies that provide the ability to send Rand to Gambia.

This ensures you get the best options for transfers to Gambia from South Africa, based on the amount you want to send.

The exchange rate determines the price you’ll pay for Dalasi when sending Rand to Gambia.

The rate between the Rand and Dalasi is currently 4.3617.

The total cost of money transfers from South Africa to Gambia is a combination of fees and exchange rates. Get the best of both, and you will be getting a good deal.

• The Mid-Market and Exchange Rates: The mid-market rate for ZAR-GMD is currently 4.3617 GMD per Rand. Providers offering services closer to this rate will ensure more Dalasi for your Rands.

• Fees: Transfer fees are charged alongside a transfer. The company offering the lowest fee is MoneyGram Agent, charging 172 ZAR per transfer. In all cases, we recommend searching for your exact send amount as fees may change.

• Amount Received: Money transfer companies will show you the amount eventually received in Dalasi. Simply, the higher the amount received in South Africa, the lower the cost of sending from Gambia.

Sometimes, waiting a day or two can help you get more GMD for the same amount of Rand. Using a forward contract that also allows you to lock in an agreed exchange rate between South Africa and Gambia.

Sending money via a bank transfer is the recommended option for sending money from South Africa to Gambia.

Here are all the ways to send money from South Africa to Gambia:

Bank transfers

Paying via a bank transfer is often the better option for sending money from South Africa to Gambia.

By using a money transfer company such as MoneyGram Agent for transfers from South Africa to Gambia, you can send money and while benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


Debit and prepaid cards

Sending money from South Africa to Gambia with a debit or a prepaid card is easy with Western Union Agent.


Western Union Agent is a one of the better options in the market for international debit card transfers from South Africa to Gambia.

Credit cards

Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone (especially with high cash advance fees).

We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.

Some services between South Africa and Gambia have minimum or maximum thresholds on how much you can transfer. This is applies when receiving money in Gambia as well.

Companies will offer different rates and fees for different transfer amounts. For regular transfers to Gambia, use Western Union Agent. The combination of rates and fees when sending from South Africa to Gambia is the most competitive, even at larger amounts.

Also, always check with the recipient and understand any declarations needed on large amounts of money leaving South Africa, or entering Gambia. Mis-understanding these could result in a slower, or even failed, transfer.

There are different ways to receive Dalasi in Gambia. This includes a direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account.

Not all providers serving transfers from South Africa to Gambia will offer every method for incoming Dalasi, so it’s best to check ahead of time.

One of the more common ways to transfer from South Africa into Dalasi is directly into a bank account. Western Union Agent is the best company for bank transfers between South Africa and Gambia.

And if you need cash right away, check if cash pickup is an option for transfers between South Africa and Gambia.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like MoneyGram Agent.

When signing up to and sending Rand to Gambia, through a money transfer company, you will have to verify your ID.

The precise documents you need will vary and in some cases you will need more than one.

For the most part however, in South Africa this will be a government issued ID such as a passport or driver's license. In Gambia it will be similar, although this should only be needed if you are opening a new account in Gambia, or collecting in cash. Sending to an existing bank account in Gambia shouldn’t require any additional ID checks.

Large transactions between South Africa and Gambia, are subject to additional checks. A provider may ask you for proof of address or may want to carry out a proof of funds check.

One of the reasons Western Union Agent has scored so highly for transfers to Gambia is their easy sign up process in South Africa.

When sending large amounts of money between South Africa and Gambia there will potentially be a tax declaration to consider.

Some transfers into Dalasi may need to be reported to tax authorities in Gambia, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances will change in Gambia based on age, income and a few other elements. When in doubt, please contact a tax professional in South Africa or Gambia to discuss your personal circumstances.