From the 4 money transfer services available, we found WorldRemit to be the cheapest and Pesa to be the fastest. You can send ZAR via bank transfer and debit card, and you can receive GHS via bank deposit and mobile money.
| 5 of 5 providers Last updated on 10 November 2026 | |||
| Based on 4,300 ZAR transfer Best companies for ZAR/GHS transfers | |||
| Promoted  WorldRemit Pay via Debit card | Fee R 0,00 1 ZAR = 0.7142 GHS -0.25% vs mid-market | Recipient gets GH₵3 071,15 Minutes - 2 days | |
Ways to receive money in Ghana with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days Free1 ZAR = 0.7142 GHS GH₵3 071,15You payR 4 300,00 Bank depositMinutes - 2 days Free1 ZAR = 0.7142 GHS GH₵3 071,15You payR 4 300,00 | |||
Run a live search Showing top South Africa to Ghana 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 GHS rates. | |||
Run a live search These companies offer multi-currency accounts for spending GHS. We suggest doing a live search based on how much ZAR you're planning to spend in Ghana. | |||
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. | |||
| Only available via Mobile App WorldRemit Pay via Debit card | Fee R 0,00 1 ZAR = 0.7142 GHS -0.25% vs mid-market | Recipient gets GH₵3 071,15 Minutes - 2 days | |
Ways to receive money in Ghana with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days Free1 ZAR = 0.7142 GHS GH₵3 071,15You payR 4 300,00 Bank depositMinutes - 2 days Free1 ZAR = 0.7142 GHS GH₵3 071,15You payR 4 300,00 | |||
 Pesa Pay via Bank transfer | Fee R 21,50 1 ZAR = 0.6483 GHS +9.00% vs mid-market | Recipient gets GH₵2 773,95 Minutes - 24 hours | |
Ways to receive money in Ghana with Pesa when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours R 21,501 ZAR = 0.6483 GHS GH₵2 773,95You payR 4 300,00 | |||
| Send cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee R 172,00 1 ZAR = 0.6697 GHS +6.00% vs mid-market | Recipient gets GH₵2 764,60 Minutes - 3 days | |
Ways to receive money in Ghana with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days R 172,001 ZAR = 0.6697 GHS GH₵2 764,60You payR 4 300,00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee R 129,00 1 ZAR = 0.6626 GHS +7.00% vs mid-market | Recipient gets GH₵2 763,68 Minutes - 5 days | |
Ways to receive money in Ghana with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days R 129,001 ZAR = 0.6626 GHS GH₵2 763,68You payR 4 300,00 | |||
 Mukuru Pay via Debit card | Fee R 583,00 1 ZAR = 0.6923 GHS +2.87% vs mid-market | Recipient gets GH₵2 573,21 Minutes - 2 days | |
Ways to receive money in Ghana with Mukuru when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 daysAvailable via:MTN Top-up GHS R 583,001 ZAR = 0.6923 GHS GH₵2 573,21You payR 4 300,00 Bank depositMinutes - 2 daysAvailable via:Bank top-up GHS R 583,001 ZAR = 0.6635 GHS GH₵2 466,16You payR 4 300,00 | |||
| Mukuru Pay via Bank transfer | Fee R 583,00 1 ZAR = 0.6923 GHS +2.87% vs mid-market | Recipient gets GH₵2 573,21 Minutes - 2 days | |
Ways to receive money in Ghana with Mukuru when paying by bank transfer. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 daysAvailable via:MTN Top-up GHS R 583,001 ZAR = 0.6923 GHS GH₵2 573,21You payR 4 300,00 Bank depositMinutes - 2 daysAvailable via:Bank top-up GHS R 583,001 ZAR = 0.6635 GHS GH₵2 466,16You payR 4 300,00 | |||
| Mukuru Pay via Cash deposit | Fee R 583,00 1 ZAR = 0.6923 GHS +2.87% vs mid-market | Recipient gets GH₵2 573,21 Minutes - 2 days | |
Ways to receive money in Ghana with Mukuru when paying by cash deposit. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 daysAvailable via:MTN Top-up GHS R 583,001 ZAR = 0.6923 GHS GH₵2 573,21You payR 4 300,00 Bank depositMinutes - 2 daysAvailable via:Bank top-up GHS R 583,001 ZAR = 0.6635 GHS GH₵2 466,16You payR 4 300,00 | |||
| How Our Results Work Mid-market rate: 1 ZAR = 0.7125 GHS Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Ghana, I suggest picking the cheapest option which is WorldRemit.
WorldRemit was the cheapest on 23 of the 23 days it quoted R4,300 transfers to Ghana.
On a 4,300 ZAR transfer, WorldRemit delivers the most GHS.
The best option will change depending on how much you actually send, so I suggest to get the best ZAR/GHS rate.
You have 2 ways to pay, including bank transfer and debit card.
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 Ghana 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 WorldRemit was the cheapest in 92% of all the transfers it quoted over the past month.
| Cheapest service | |||||
|---|---|---|---|---|---|
| R 2 000 | -0.28% | R 0,00 | GH₵1 428,78with debit card to mobile money | +GH₵252,66 | |
| R 4 300This page | -0.25% | R 0,00 | GH₵3 071,15with debit card to mobile money | +GH₵343,58 | |
| R 4 500 | -0.29% | R 0,00 | GH₵3 214,75with debit card to mobile money | +GH₵352,41 | |
| R 5 000 | -0.34% | R 0,00 | GH₵3 571,20with debit card to mobile money | +GH₵372,70 | |
| R 50 000 | -0.34% | R 0,00 | GH₵35 712,00with debit card to mobile money | +GH₵109,32 | |
| R 100 000 | -0.30% | R 0,00 | GH₵71 424,00with debit card to mobile money | +GH₵203,53 | |
| R 130 000 | -0.33% | R 0,00 | GH₵92 870,70with debit card to mobile money | +GH₵279,07 |
Mid-market rate: 1 ZAR = 0.7125 GHS
The cheapest way to send ZAR to GHS 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 WorldRemit), across 30 days of comparisons for 4,300 ZAR transfers to Ghana.
Tue, 10 Nov 2026Mid-market rateGH₵3 063,61 WorldRemit GH₵3 071,15WorldRemitGH₵3 071,15PesaGH₵2 773,95MoneyGram AgentGH₵2 764,60
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7113 | – | GH₵3 058,71 | |
| | 0.7130 | R 0,00 | GH₵3 065,73 | +GH₵7,02 |
| | 0.6473 | R 21,50 | GH₵2 769,51 | −GH₵289,20 |
| MoneyGram Agent | 0.6686 | R 172,00 | GH₵2 760,18 | −GH₵298,53 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7131 | – | GH₵3 066,51 | |
| | 0.7130 | R 0,00 | GH₵3 066,07 | −GH₵0,44 |
| | 0.6490 | R 21,50 | GH₵2 776,58 | −GH₵289,93 |
| MoneyGram Agent | 0.6704 | R 172,00 | GH₵2 767,22 | −GH₵299,29 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7077 | – | GH₵3 043,29 | |
| | 0.7125 | R 0,00 | GH₵3 063,54 | +GH₵20,25 |
| | 0.6440 | R 21,50 | GH₵2 755,54 | −GH₵287,75 |
| MoneyGram Agent | 0.6653 | R 172,00 | GH₵2 746,26 | −GH₵297,03 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7041 | – | GH₵3 027,60 | |
| | 0.6407 | R 21,50 | GH₵2 741,34 | −GH₵286,26 |
| MoneyGram Agent | 0.6618 | R 172,00 | GH₵2 732,11 | −GH₵295,49 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7063 | – | GH₵3 037,10 | |
| | 0.7089 | R 0,00 | GH₵3 048,48 | +GH₵11,38 |
| | 0.6427 | R 21,50 | GH₵2 749,94 | −GH₵287,16 |
| MoneyGram Agent | 0.6639 | R 172,00 | GH₵2 740,68 | −GH₵296,42 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7091 | – | GH₵3 048,95 | |
| | 0.7063 | R 0,00 | GH₵3 037,00 | −GH₵11,95 |
| | 0.6452 | R 21,50 | GH₵2 760,67 | −GH₵288,28 |
| MoneyGram Agent | 0.6665 | R 172,00 | GH₵2 751,37 | −GH₵297,58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7090 | – | GH₵3 048,91 | |
| | 0.6452 | R 21,50 | GH₵2 760,63 | −GH₵288,28 |
| MoneyGram Agent | 0.6665 | R 172,00 | GH₵2 751,33 | −GH₵297,58 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7114 | – | GH₵3 059,21 | |
| | 0.7073 | R 0,00 | GH₵3 041,35 | −GH₵17,86 |
| | 0.6474 | R 21,50 | GH₵2 769,96 | −GH₵289,25 |
| MoneyGram Agent | 0.6688 | R 172,00 | GH₵2 760,63 | −GH₵298,58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7126 | – | GH₵3 064,01 | |
| | 0.6484 | R 21,50 | GH₵2 774,31 | −GH₵289,70 |
| MoneyGram Agent | 0.6698 | R 172,00 | GH₵2 764,96 | −GH₵299,05 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7088 | – | GH₵3 047,78 | |
| | 0.7118 | R 0,00 | GH₵3 060,91 | +GH₵13,13 |
| | 0.6450 | R 21,50 | GH₵2 759,61 | −GH₵288,17 |
| MoneyGram Agent | 0.6663 | R 172,00 | GH₵2 750,31 | −GH₵297,47 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7102 | – | GH₵3 053,80 | |
| | 0.7097 | R 0,00 | GH₵3 051,58 | −GH₵2,22 |
| | 0.6463 | R 21,50 | GH₵2 765,06 | −GH₵288,74 |
| MoneyGram Agent | 0.6676 | R 172,00 | GH₵2 755,75 | −GH₵298,05 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7017 | – | GH₵3 017,44 | |
| | 0.6386 | R 21,50 | GH₵2 732,14 | −GH₵285,30 |
| MoneyGram Agent | 0.6596 | R 172,00 | GH₵2 722,94 | −GH₵294,50 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6991 | – | GH₵3 006,10 | |
| | 0.6362 | R 21,50 | GH₵2 721,87 | −GH₵284,23 |
| MoneyGram Agent | 0.6571 | R 172,00 | GH₵2 712,70 | −GH₵293,40 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6991 | – | GH₵3 006,10 | |
| | 0.6997 | R 0,00 | GH₵3 008,67 | +GH₵2,57 |
| | 0.6362 | R 21,50 | GH₵2 721,87 | −GH₵284,23 |
| MoneyGram Agent | 0.6571 | R 172,00 | GH₵2 712,70 | −GH₵293,40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6959 | – | GH₵2 992,35 | |
| | 0.6333 | R 21,50 | GH₵2 709,42 | −GH₵282,93 |
| MoneyGram Agent | 0.6541 | R 172,00 | GH₵2 700,30 | −GH₵292,05 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7001 | – | GH₵3 010,49 | |
| | 0.6986 | R 0,00 | GH₵3 004,02 | −GH₵6,47 |
| | 0.6371 | R 21,50 | GH₵2 725,84 | −GH₵284,65 |
| MoneyGram Agent | 0.6581 | R 172,00 | GH₵2 716,66 | −GH₵293,83 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7008 | – | GH₵3 013,62 | |
| | 0.6378 | R 21,50 | GH₵2 728,69 | −GH₵284,93 |
| MoneyGram Agent | 0.6588 | R 172,00 | GH₵2 719,50 | −GH₵294,12 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6989 | – | GH₵3 005,23 | |
| | 0.6999 | R 0,00 | GH₵3 009,74 | +GH₵4,51 |
| | 0.6360 | R 21,50 | GH₵2 721,08 | −GH₵284,15 |
| MoneyGram Agent | 0.6570 | R 172,00 | GH₵2 711,92 | −GH₵293,31 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7008 | – | GH₵3 013,34 | |
| | 0.7004 | R 0,00 | GH₵3 011,72 | −GH₵1,62 |
| | 0.6377 | R 21,50 | GH₵2 728,43 | −GH₵284,91 |
| MoneyGram Agent | 0.6587 | R 172,00 | GH₵2 719,24 | −GH₵294,10 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6959 | – | GH₵2 992,48 | |
| | 0.6971 | R 0,00 | GH₵2 997,70 | +GH₵5,22 |
| | 0.6333 | R 21,50 | GH₵2 709,54 | −GH₵282,94 |
| MoneyGram Agent | 0.6542 | R 172,00 | GH₵2 700,42 | −GH₵292,06 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.6959 | – | GH₵2 992,48 | |
| | 0.6971 | R 0,00 | GH₵2 997,70 | +GH₵5,22 |
| | 0.6333 | R 21,50 | GH₵2 709,54 | −GH₵282,94 |
| MoneyGram Agent | 0.6542 | R 172,00 | GH₵2 700,42 | −GH₵292,06 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7004 | – | GH₵3 011,90 | |
| | 0.6974 | R 0,00 | GH₵2 998,69 | −GH₵13,21 |
| | 0.6374 | R 21,50 | GH₵2 727,12 | −GH₵284,78 |
| MoneyGram Agent | 0.6584 | R 172,00 | GH₵2 717,94 | −GH₵293,96 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7011 | – | GH₵3 014,81 | |
| | 0.7010 | R 0,00 | GH₵3 014,26 | −GH₵0,55 |
| | 0.6380 | R 21,50 | GH₵2 729,76 | −GH₵285,05 |
| MoneyGram Agent | 0.6591 | R 172,00 | GH₵2 720,56 | −GH₵294,25 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7001 | – | GH₵3 010,57 | |
| | 0.7035 | R 0,00 | GH₵3 024,96 | +GH₵14,39 |
| | 0.6371 | R 21,50 | GH₵2 725,92 | −GH₵284,65 |
| MoneyGram Agent | 0.6581 | R 172,00 | GH₵2 716,74 | −GH₵293,83 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7113 | – | GH₵3 058,78 | |
| | 0.7144 | R 0,00 | GH₵3 071,96 | +GH₵13,18 |
| | 0.6473 | R 21,50 | GH₵2 769,57 | −GH₵289,21 |
| MoneyGram Agent | 0.6687 | R 172,00 | GH₵2 760,24 | −GH₵298,54 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7066 | – | GH₵3 038,34 | |
| | 0.7061 | R 0,00 | GH₵3 036,40 | −GH₵1,94 |
| | 0.6430 | R 21,50 | GH₵2 751,07 | −GH₵287,27 |
| MoneyGram Agent | 0.6642 | R 172,00 | GH₵2 741,80 | −GH₵296,54 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7074 | – | GH₵3 041,79 | |
| | 0.7065 | R 0,00 | GH₵3 038,08 | −GH₵3,71 |
| | 0.6437 | R 21,50 | GH₵2 754,18 | −GH₵287,61 |
| MoneyGram Agent | 0.6649 | R 172,00 | GH₵2 744,91 | −GH₵296,88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7087 | – | GH₵3 047,59 | |
| | 0.7065 | R 0,00 | GH₵3 038,08 | −GH₵9,51 |
| | 0.6450 | R 21,50 | GH₵2 759,44 | −GH₵288,15 |
| MoneyGram Agent | 0.6662 | R 172,00 | GH₵2 750,14 | −GH₵297,45 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7100 | – | GH₵3 053,13 | |
| | 0.7081 | R 0,00 | GH₵3 044,79 | −GH₵8,34 |
| | 0.6461 | R 21,50 | GH₵2 764,46 | −GH₵288,67 |
| MoneyGram Agent | 0.6674 | R 172,00 | GH₵2 755,14 | −GH₵297,99 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.7125 | – | GH₵3 063,61 | |
| | 0.7142 | R 0,00 | GH₵3 071,15 | +GH₵7,54 |
| | 0.6483 | R 21,50 | GH₵2 773,95 | −GH₵289,66 |
| MoneyGram Agent | 0.6697 | R 172,00 | GH₵2 764,60 | −GH₵299,01 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 0.7125 | – | GH₵3 063,61 | |
|---|---|---|---|---|
| | ||||
| | ||||
| 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 GHS per ZAR than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
In the past month, a money transfer company beat the mid-market rate on 11 of the last 30 days.
Right now, WorldRemit pays 3,071.15 GHS on 4,300 ZAR, which is 7.54 GHS more than the mid-market amount, so it's a good deal (pretty much free money).
Today's payout isn't the best this month though, since the highest receive amount was 3,071.96 GHS.
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.
If you need to send money now, it's a good time to send.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Ghana.
We've tracked 205 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.
Cheapest in 96% of them
Never the cheapest
Never the cheapest
Based on 49 comparisons across 7 amounts over the last 7 days.
Cheapest in 92% of them
Cheapest in 17% of them
Never the cheapest
Based on 205 comparisons across 7 amounts over the last 30 days.
Cheapest in 92% of them
Cheapest in 19% of them
Never the cheapest
Based on 343 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 WorldRemit is the cheapest and gets you the most GHS, and it was also the cheapest in 92% of the 166 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Ghana.
Pesa (today's second cheapest) was the cheapest in only 17% of its comparisons, so it's rarely the cheapest option for transfers to Ghana.
4 companies send money from South Africa to Ghana.
Frequent transfers from South Africa
Apps and online services are best for recurring transfers to Ghana.
WorldRemit is the cheapest option.
It will get you 3,071.15 GHS on a R4,300 transfer.
For fast transfers, Pesa is a good option, it will deliver GHS in minutes - 24 hours.
In our comparisons over the past month, it was the cheapest online service on 23 of the 23 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 Ghana.
They have no fees and add a markup on top of ZAR/GHS rate.
I suggest getting a few ZAR/GHS 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 WorldRemit, paying by debit card and receiving through mobile money is the cheapest combination. Sending R4,300 gives your recipient 3,071.15 GHS.
You can fund the transfer with bank transfer and debit card.
To receive GHS in Ghana, your recipient can use bank deposit and mobile money.
You pay R4,300.00
GH₵3,071
Cheapest
You pay R4,300.00
GH₵3,071
GH₵0
You pay R4,300.00
GH₵2,774
-GH₵297
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 Ghana, the current best options are:
The cheapest option is WorldRemit, funded by debit card with mobile money for the payout. Your recipient gets 3,071.15 GHS, which is 9.68% more than the next best option.
The fastest option is Pesa, funded by bank transfer with bank deposit for the payout. Your recipient gets 2,773.95 GHS 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 4 of them on ZAR to Ghana, comparing rates, fees and the pay-in and payout options in real time on live comparisons.
In the past 30 days alone, we analysed 205 comparisons across 7 amounts.
This page covers the cheapest and fastest options for ZAR/GHS 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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