From the 3 money transfer services available, we found PayPal App (P2P Transfer) to be the cheapest and PayPal App (P2P Transfer) to be the fastest. You can send ZAR via bank transfer, and you can receive GMD via bank deposit.
| 3 of 3 providers Last updated on 10 November 2026 | |||
| Based on 4,300 ZAR transfer Best companies for ZAR/GMD transfers | |||
Run a live search Showing top South Africa to Gambia deals for 4,300 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 GMD rates. | |||
Run a live search These companies offer multi-currency accounts for spending GMD. We suggest doing a live search based on how much ZAR you're planning to spend in Gambia. | |||
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. | |||
| Send Money Between PayPal Accounts  PayPal App (P2P Transfer) Pay via Bank transfer | Fee R 172,00 1 ZAR = 4.2524 GMD +6.00% vs mid-market | Recipient gets GMD 17 553,92 Minutes | |
Ways to receive money in Gambia with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes R 172,001 ZAR = 4.2524 GMD GMD 17 553,92You payR 4 300,00 | |||
| Send cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee R 172,00 1 ZAR = 4.2524 GMD +6.00% vs mid-market | Recipient gets GMD 17 553,92 Minutes - 3 days | |
Ways to receive money in Gambia with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days R 172,001 ZAR = 4.2524 GMD GMD 17 553,92You payR 4 300,00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee R 129,00 1 ZAR = 4.2072 GMD +7.00% vs mid-market | Recipient gets GMD 17 548,08 Minutes - 5 days | |
Ways to receive money in Gambia with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days R 129,001 ZAR = 4.2072 GMD GMD 17 548,08You payR 4 300,00 | |||
| How Our Results Work Mid-market rate: 1 ZAR = 4.5238 GMD Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to the Gambia, I suggest picking the cheapest option which is PayPal App (P2P Transfer).
PayPal App (P2P Transfer) was the cheapest on 29 of the 29 days it quoted R4,300 transfers to the Gambia.
On a 4,300 ZAR transfer, PayPal App (P2P Transfer) delivers the most GMD.
The best option will change depending on how much you actually send, so I suggest to get the best ZAR/GMD 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 the Gambia 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 PayPal App (P2P Transfer) was the cheapest in 100% of all the transfers it quoted over the past month.
| Cheapest service | |||||
|---|---|---|---|---|---|
| R 2 000 | 6.00% | R 80,00 | GMD 8 163,47with bank transfer to bank deposit | +GMD 0,91 | |
| R 4 300This page | 6.00% | R 172,00 | GMD 17 553,92with bank transfer to bank deposit | +GMD 1,95 | |
| R 4 500 | 6.00% | R 180,00 | GMD 18 365,81with bank transfer to bank deposit | +GMD 2,03 | |
| R 5 000 | 6.00% | R 200,00 | GMD 20 391,78with bank transfer to bank deposit | +GMD 2,26 | |
| R 50 000 | 0.27% | R 0,00 | GMD 225 353,35with bank transfer to bank deposit | GMD 0,00 | |
| R 100 000 | 0.27% | R 0,00 | GMD 450 898,98with bank transfer to bank deposit | GMD 0,00 | |
| R 130 000 | 0.27% | R 0,00 | GMD 586 106,31with bank transfer to bank deposit | GMD 0,00 |
Mid-market rate: 1 ZAR = 4.5238 GMD
The cheapest way to send ZAR to GMD 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 PayPal App (P2P Transfer)), across 30 days of comparisons for 4,300 ZAR transfers to the Gambia.
Tue, 10 Nov 2026Mid-market rateGMD 19 452,48 PayPal App (P2P Transfer) GMD 17 553,92PayPal App (P2P Transfer)GMD 17 553,92MoneyGram AgentGMD 17 553,92Western Union AgentGMD 17 548,08
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4523 | – | GMD 19 144,83 | |
| PayPal App (P2P Transfer) Cheapest | 4.1851 | R 172,00 | GMD 17 276,29 | −GMD 1 868,54 |
| MoneyGram Agent | 4.1851 | R 172,00 | GMD 17 276,29 | −GMD 1 868,54 |
| | 4.1406 | R 129,00 | GMD 17 270,55 | −GMD 1 874,28 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4497 | – | GMD 19 133,86 | |
| PayPal App (P2P Transfer) Cheapest | 4.1828 | R 172,00 | GMD 17 266,40 | −GMD 1 867,46 |
| MoneyGram Agent | 4.1828 | R 172,00 | GMD 17 266,40 | −GMD 1 867,46 |
| | 4.1383 | R 129,00 | GMD 17 260,66 | −GMD 1 873,20 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4935 | – | GMD 19 321,95 | |
| PayPal App (P2P Transfer) Cheapest | 4.2239 | R 172,00 | GMD 17 436,13 | −GMD 1 885,82 |
| MoneyGram Agent | 4.2239 | R 172,00 | GMD 17 436,13 | −GMD 1 885,82 |
| | 4.1789 | R 129,00 | GMD 17 430,33 | −GMD 1 891,62 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4692 | – | GMD 19 217,75 | |
| PayPal App (P2P Transfer) Cheapest | 4.2011 | R 172,00 | GMD 17 342,10 | −GMD 1 875,65 |
| MoneyGram Agent | 4.2011 | R 172,00 | GMD 17 342,10 | −GMD 1 875,65 |
| | 4.1564 | R 129,00 | GMD 17 336,33 | −GMD 1 881,42 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4596 | – | GMD 19 176,49 | |
| PayPal App (P2P Transfer) Cheapest | 4.1921 | R 172,00 | GMD 17 304,87 | −GMD 1 871,62 |
| MoneyGram Agent | 4.1921 | R 172,00 | GMD 17 304,87 | −GMD 1 871,62 |
| | 4.1475 | R 129,00 | GMD 17 299,11 | −GMD 1 877,38 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4565 | – | GMD 19 162,74 | |
| PayPal App (P2P Transfer) Cheapest | 4.1891 | R 172,00 | GMD 17 292,46 | −GMD 1 870,28 |
| MoneyGram Agent | 4.1891 | R 172,00 | GMD 17 292,46 | −GMD 1 870,28 |
| | 4.1445 | R 129,00 | GMD 17 286,71 | −GMD 1 876,03 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4564 | – | GMD 19 162,47 | |
| PayPal App (P2P Transfer) Cheapest | 4.1890 | R 172,00 | GMD 17 292,22 | −GMD 1 870,25 |
| MoneyGram Agent | 4.1890 | R 172,00 | GMD 17 292,22 | −GMD 1 870,25 |
| | 4.1444 | R 129,00 | GMD 17 286,47 | −GMD 1 876,00 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4650 | – | GMD 19 199,66 | |
| PayPal App (P2P Transfer) Cheapest | 4.1971 | R 172,00 | GMD 17 325,78 | −GMD 1 873,88 |
| MoneyGram Agent | 4.1971 | R 172,00 | GMD 17 325,78 | −GMD 1 873,88 |
| | 4.1525 | R 129,00 | GMD 17 320,02 | −GMD 1 879,64 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4781 | – | GMD 19 255,74 | |
| PayPal App (P2P Transfer) Cheapest | 4.2094 | R 172,00 | GMD 17 376,38 | −GMD 1 879,36 |
| MoneyGram Agent | 4.2094 | R 172,00 | GMD 17 376,38 | −GMD 1 879,36 |
| | 4.1646 | R 129,00 | GMD 17 370,60 | −GMD 1 885,14 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4798 | – | GMD 19 263,25 | |
| PayPal App (P2P Transfer) Cheapest | 4.2110 | R 172,00 | GMD 17 383,15 | −GMD 1 880,10 |
| MoneyGram Agent | 4.2110 | R 172,00 | GMD 17 383,15 | −GMD 1 880,10 |
| | 4.1662 | R 129,00 | GMD 17 377,38 | −GMD 1 885,87 |
No data was collected on Thu, 22 Oct 2026.
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4811 | – | GMD 19 268,56 | |
| PayPal App (P2P Transfer) Cheapest | 4.2122 | R 172,00 | GMD 17 387,95 | −GMD 1 880,61 |
| MoneyGram Agent | 4.2122 | R 172,00 | GMD 17 387,95 | −GMD 1 880,61 |
| | 4.1674 | R 129,00 | GMD 17 382,17 | −GMD 1 886,39 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4649 | – | GMD 19 199,15 | |
| PayPal App (P2P Transfer) Cheapest | 4.1970 | R 172,00 | GMD 17 325,31 | −GMD 1 873,84 |
| MoneyGram Agent | 4.1970 | R 172,00 | GMD 17 325,31 | −GMD 1 873,84 |
| | 4.1524 | R 129,00 | GMD 17 319,55 | −GMD 1 879,60 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4649 | – | GMD 19 199,15 | |
| PayPal App (P2P Transfer) Cheapest | 4.1970 | R 172,00 | GMD 17 325,31 | −GMD 1 873,84 |
| MoneyGram Agent | 4.1970 | R 172,00 | GMD 17 325,31 | −GMD 1 873,84 |
| | 4.1524 | R 129,00 | GMD 17 319,55 | −GMD 1 879,60 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4521 | – | GMD 19 143,97 | |
| PayPal App (P2P Transfer) Cheapest | 4.1850 | R 172,00 | GMD 17 275,52 | −GMD 1 868,45 |
| MoneyGram Agent | 4.1850 | R 172,00 | GMD 17 275,52 | −GMD 1 868,45 |
| | 4.1404 | R 129,00 | GMD 17 269,78 | −GMD 1 874,19 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4478 | – | GMD 19 125,48 | |
| PayPal App (P2P Transfer) Cheapest | 4.1809 | R 172,00 | GMD 17 258,84 | −GMD 1 866,64 |
| MoneyGram Agent | 4.1809 | R 172,00 | GMD 17 258,84 | −GMD 1 866,64 |
| | 4.1364 | R 129,00 | GMD 17 253,10 | −GMD 1 872,38 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4409 | – | GMD 19 095,92 | |
| PayPal App (P2P Transfer) Cheapest | 4.1745 | R 172,00 | GMD 17 232,16 | −GMD 1 863,76 |
| MoneyGram Agent | 4.1745 | R 172,00 | GMD 17 232,16 | −GMD 1 863,76 |
| | 4.1300 | R 129,00 | GMD 17 226,43 | −GMD 1 869,49 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4159 | – | GMD 18 988,52 | |
| PayPal App (P2P Transfer) Cheapest | 4.1510 | R 172,00 | GMD 17 135,24 | −GMD 1 853,28 |
| MoneyGram Agent | 4.1510 | R 172,00 | GMD 17 135,24 | −GMD 1 853,28 |
| | 4.1068 | R 129,00 | GMD 17 129,54 | −GMD 1 858,98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4523 | – | GMD 19 144,71 | |
| PayPal App (P2P Transfer) Cheapest | 4.1851 | R 172,00 | GMD 17 276,19 | −GMD 1 868,52 |
| MoneyGram Agent | 4.1851 | R 172,00 | GMD 17 276,19 | −GMD 1 868,52 |
| | 4.1406 | R 129,00 | GMD 17 270,45 | −GMD 1 874,26 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4259 | – | GMD 19 031,54 | |
| PayPal App (P2P Transfer) Cheapest | 4.1604 | R 172,00 | GMD 17 174,06 | −GMD 1 857,48 |
| MoneyGram Agent | 4.1604 | R 172,00 | GMD 17 174,06 | −GMD 1 857,48 |
| | 4.1161 | R 129,00 | GMD 17 168,35 | −GMD 1 863,19 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4259 | – | GMD 19 031,54 | |
| PayPal App (P2P Transfer) Cheapest | 4.1604 | R 172,00 | GMD 17 174,06 | −GMD 1 857,48 |
| MoneyGram Agent | 4.1604 | R 172,00 | GMD 17 174,06 | −GMD 1 857,48 |
| | 4.1161 | R 129,00 | GMD 17 168,35 | −GMD 1 863,19 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4364 | – | GMD 19 076,37 | |
| PayPal App (P2P Transfer) Cheapest | 4.1702 | R 172,00 | GMD 17 214,52 | −GMD 1 861,85 |
| MoneyGram Agent | 4.1702 | R 172,00 | GMD 17 214,52 | −GMD 1 861,85 |
| | 4.1258 | R 129,00 | GMD 17 208,79 | −GMD 1 867,58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4239 | – | GMD 19 022,59 | |
| PayPal App (P2P Transfer) Cheapest | 4.1584 | R 172,00 | GMD 17 165,98 | −GMD 1 856,61 |
| MoneyGram Agent | 4.1584 | R 172,00 | GMD 17 165,98 | −GMD 1 856,61 |
| | 4.1142 | R 129,00 | GMD 17 160,27 | −GMD 1 862,32 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.4700 | – | GMD 19 221,08 | |
| PayPal App (P2P Transfer) Cheapest | 4.2018 | R 172,00 | GMD 17 345,10 | −GMD 1 875,98 |
| MoneyGram Agent | 4.2018 | R 172,00 | GMD 17 345,10 | −GMD 1 875,98 |
| | 4.1571 | R 129,00 | GMD 17 339,33 | −GMD 1 881,75 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.5551 | – | GMD 19 586,75 | |
| PayPal App (P2P Transfer) Cheapest | 4.2818 | R 172,00 | GMD 17 675,09 | −GMD 1 911,66 |
| MoneyGram Agent | 4.2818 | R 172,00 | GMD 17 675,09 | −GMD 1 911,66 |
| | 4.2362 | R 129,00 | GMD 17 669,21 | −GMD 1 917,54 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.5074 | – | GMD 19 381,68 | |
| PayPal App (P2P Transfer) Cheapest | 4.2369 | R 172,00 | GMD 17 490,03 | −GMD 1 891,65 |
| MoneyGram Agent | 4.2369 | R 172,00 | GMD 17 490,03 | −GMD 1 891,65 |
| | 4.1919 | R 129,00 | GMD 17 484,21 | −GMD 1 897,47 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.5103 | – | GMD 19 394,44 | |
| PayPal App (P2P Transfer) Cheapest | 4.2397 | R 172,00 | GMD 17 501,55 | −GMD 1 892,89 |
| MoneyGram Agent | 4.2397 | R 172,00 | GMD 17 501,55 | −GMD 1 892,89 |
| | 4.1946 | R 129,00 | GMD 17 495,73 | −GMD 1 898,71 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.5101 | – | GMD 19 393,32 | |
| PayPal App (P2P Transfer) Cheapest | 4.2395 | R 172,00 | GMD 17 500,53 | −GMD 1 892,79 |
| MoneyGram Agent | 4.2395 | R 172,00 | GMD 17 500,53 | −GMD 1 892,79 |
| | 4.1944 | R 129,00 | GMD 17 494,71 | −GMD 1 898,61 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.5178 | – | GMD 19 426,45 | |
| PayPal App (P2P Transfer) Cheapest | 4.2467 | R 172,00 | GMD 17 530,43 | −GMD 1 896,02 |
| MoneyGram Agent | 4.2467 | R 172,00 | GMD 17 530,43 | −GMD 1 896,02 |
| | 4.2015 | R 129,00 | GMD 17 524,60 | −GMD 1 901,85 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.5238 | – | GMD 19 452,48 | |
| PayPal App (P2P Transfer) Cheapest | 4.2524 | R 172,00 | GMD 17 553,92 | −GMD 1 898,56 |
| MoneyGram Agent | 4.2524 | R 172,00 | GMD 17 553,92 | −GMD 1 898,56 |
| | 4.2072 | R 129,00 | GMD 17 548,08 | −GMD 1 904,40 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 4.5238 | – | GMD 19 452,48 | |
|---|---|---|---|---|
| PayPal App (P2P Transfer) | ||||
| MoneyGram Agent | ||||
| |
Each line shows what the recipient gets when you send R 4 300, after fees, as quoted by each company. The mid-market line shows what R 4 300 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 GMD 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 GMD on every transfer from South Africa.
Right now, PayPal App (P2P Transfer) pays 17,553.92 GMD on 4,300 ZAR, which is 1,898.56 GMD less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 17,675.09 GMD.
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 the Gambia.
We've tracked 206 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.
Cheapest every time
Never the cheapest
Never the cheapest
Based on 49 comparisons across 7 amounts over the last 7 days.
Cheapest every time
Never the cheapest
Never the cheapest
Based on 206 comparisons across 7 amounts over the last 30 days.
Cheapest every time
Never the cheapest
Never the cheapest
Based on 344 comparisons across 7 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 PayPal App (P2P Transfer) is the cheapest and gets you the most GMD, and it was also the cheapest in 100% of the 113 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to the Gambia.
MoneyGram Agent (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to the Gambia.
3 companies send money from South Africa to the Gambia.
Emigration and large transfers
Currency brokers are great for large transfers from South Africa to the Gambia.
They have no fees and add a markup on top of ZAR/GMD rate.
I suggest getting a few ZAR/GMD quotes from your bank and Regency FX and picking the best one.
Also, don’t forget about the R2 million limits on transfers from South Africa (more below).
For business payments abroad
With PayPal App (P2P Transfer), paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending R4,300 gives your recipient 17,553.92 GMD.
You can fund the transfer with bank transfer.
To receive GMD in the Gambia, your recipient can use bank deposit.
You pay R4,300.00
D17,554
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 4,300 transfer to the Gambia, the current best options are:
The cheapest option is PayPal App (P2P Transfer), funded by bank transfer with bank deposit for the payout. Your recipient gets 17,553.92 GMD, which is 0% more than the next best option.
The fastest option is PayPal App (P2P Transfer), funded by bank transfer with bank deposit for the payout. Your recipient gets 17,553.92 GMD in minutes.
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 3 of them on ZAR to the Gambia, comparing rates, fees and the pay-in and payout options in real time on live comparisons.
In the past 30 days alone, we analysed 206 comparisons across 7 amounts.
This page covers the cheapest and fastest options for ZAR/GMD 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.
Advanced filters
Advanced filters
Tailor this money transfer comparison to your needs.
Show companies that support specific transfer features.
Only show providers with user feedback and reviews.
Hide selected providers from the ZAR/GMD comparison.
Search Now & Save On Your Transfer
Instantly view live exchange rates, fees & features.
Please share your experience with …