MoneyTransfers

How to send money to Ivory Coast from South Africa with the best ZAR-XOF rate

From the 3 money transfer services available, we found WorldRemit to be the cheapest and PayPal App (P2P Transfer) to be the fastest.You can send ZAR via bank transfer and debit card, and you can receive XOF via bank deposit and mobile money.

Best companies for ZAR/XOF transfers

3 of 3 providers

Last updated on 28 October 2026

Based on 4,300 ZAR transfer

Best companies for ZAR/XOF transfers

Sort Cheapest
Promoted

WorldRemit

Pay via Debit card
Fee R 7,50 1 ZAR = 34.6910 XOF +2.03% vs mid-market Recipient gets F CFA 148 911,03 Minutes - 2 days
13 reviews
Receive to bank account or cash pickup

Ways to receive money in Côte d’Ivoire with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutes - 2 days
R 7,501 ZAR = 34.6910 XOF
F CFA 148 911,03You payR 4 300,00

Run a live search

Showing top South Africa to Ivory Coast deals for 4,300 ZAR. Do a live search with your exact amount for today's best rates.
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee R 7,50 1 ZAR = 34.6910 XOF +2.03% vs mid-market Recipient gets F CFA 148 911,03 Minutes - 2 days
13 reviews
CheapestRecommended
Receive to bank account or cash pickup

Ways to receive money in Côte d’Ivoire with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutes - 2 days
R 7,501 ZAR = 34.6910 XOF
F CFA 148 911,03You payR 4 300,00
Send Money Between PayPal Accounts

PayPal App (P2P Transfer)

Pay via Bank transfer
Fee R 172,00 1 ZAR = 33.2783 XOF +6.00% vs mid-market Recipient gets F CFA 137 372,74 Minutes
0 reviews
Fastest

Ways to receive money in Côte d’Ivoire with PayPal App (P2P Transfer) when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes
R 172,001 ZAR = 33.2783 XOF
F CFA 137 372,74You payR 4 300,00
Send cash via a MoneyGram agent

MoneyGram Agent

Pay via Bank transfer
Fee R 172,00 1 ZAR = 33.2783 XOF +6.00% vs mid-market Recipient gets F CFA 137 372,74 Minutes - 3 days
0 reviews

Ways to receive money in Côte d’Ivoire with MoneyGram Agent when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
R 172,001 ZAR = 33.2783 XOF
F CFA 137 372,74You payR 4 300,00
How Our Results Work
Mid-market rate: 1 ZAR = 35.4024 XOF Updates every 60 minutes.

How to send money from South Africa to Ivory Coast

Pick a company

For a one-off transfer to Ivory Coast, I suggest picking the cheapest option which is WorldRemit.

WorldRemit was the cheapest on 18 of the 18 days it quoted R4,300 transfers to Ivory Coast.

On a 4,300 ZAR transfer, WorldRemit delivers the most XOF.

The best option will change depending on how much you actually send, so I suggest to get the best ZAR/XOF rate.

Fund your transfer

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.

Verify and send

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.

Compare amounts

How much ZAR are you sending to Ivory Coast?

How much ZAR you send to Ivory Coast 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 60% of all the transfers it quoted over the past month.

Cheapest service
R 2 0001.94%R 7,50F CFA 69 121,78with debit card to mobile money+F CFA 3 525,07
R 4 300This page2.03%R 7,50F CFA 148 911,03with debit card to mobile money+F CFA 7 692,19
R 4 5001.91%R 7,50F CFA 155 849,23with debit card to mobile money+F CFA 8 174,67
R 5 0002.07%R 7,50F CFA 173 065,46with debit card to mobile money+F CFA 8 924,39
R 50 0000.27%R 0,00F CFA 1 764 959,16with bank transfer to bank deposit+F CFA 15 982,32
R 100 0002.08%R 7,50F CFA 3 466 249,01with debit card to mobile moneyF CFA 0,00
R 130 0000.27%R 0,00F CFA 4 589 449,10with bank transfer to bank depositF CFA 0,00

Mid-market rate: 1 ZAR = 35.4024 XOF

ZAR/XOF Exchange Rate History

Is today a good time to send money from South Africa to Ivory Coast?

The cheapest way to send ZAR to XOF 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 Ivory Coast.

XOF received for R 4 300, after fees

Wed, 28 Oct 2026Mid-market rateF CFA 152 230,43 WorldRemit F CFA 148 911,03WorldRemitF CFA 148 911,03PayPal App (P2P Transfer)F CFA 137 372,74MoneyGram AgentF CFA 137 372,74

130 000
135 000
140 000
145 000
150 000
155 000
At the mid-market rateWith the cheapest optionWorldRemitPayPal App (P2P Transfer)MoneyGram Agent
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.1362 – F CFA 151 085,57
WorldRemit Cheapest 34.3996 R 7,50 F CFA 147 660,24 −F CFA 3 425,33
PayPal App (P2P Transfer) 33.0280 R 172,00 F CFA 136 339,61 −F CFA 14 745,96
MoneyGram Agent 33.0280 R 172,00 F CFA 136 339,61 −F CFA 14 745,96
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.3078 – F CFA 151 823,54
PayPal App (P2P Transfer) Cheapest 33.1893 R 172,00 F CFA 137 005,56 −F CFA 14 817,98
MoneyGram Agent 33.1893 R 172,00 F CFA 137 005,56 −F CFA 14 817,98
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.2658 – F CFA 151 642,89
WorldRemit Cheapest 34.5478 R 7,50 F CFA 148 296,39 −F CFA 3 346,50
PayPal App (P2P Transfer) 33.1498 R 172,00 F CFA 136 842,54 −F CFA 14 800,35
MoneyGram Agent 33.1498 R 172,00 F CFA 136 842,54 −F CFA 14 800,35
Exchange rateFeeRecipient getsDifference
Mid-market rate 34.9853 – F CFA 150 436,72
WorldRemit Cheapest 34.2592 R 7,50 F CFA 147 057,57 −F CFA 3 379,15
PayPal App (P2P Transfer) 32.8862 R 172,00 F CFA 135 754,09 −F CFA 14 682,63
MoneyGram Agent 32.8862 R 172,00 F CFA 135 754,09 −F CFA 14 682,63
Exchange rateFeeRecipient getsDifference
Mid-market rate 34.9796 – F CFA 150 412,18
WorldRemit Cheapest 34.3064 R 7,50 F CFA 147 260,44 −F CFA 3 151,74
PayPal App (P2P Transfer) 32.8808 R 172,00 F CFA 135 731,95 −F CFA 14 680,23
MoneyGram Agent 32.8808 R 172,00 F CFA 135 731,95 −F CFA 14 680,23
Exchange rateFeeRecipient getsDifference
Mid-market rate 34.9797 – F CFA 150 412,66
WorldRemit Cheapest 34.3064 R 7,50 F CFA 147 260,44 −F CFA 3 152,22
PayPal App (P2P Transfer) 32.8809 R 172,00 F CFA 135 732,39 −F CFA 14 680,27
MoneyGram Agent 32.8809 R 172,00 F CFA 135 732,39 −F CFA 14 680,27
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.1001 – F CFA 150 930,49
PayPal App (P2P Transfer) Cheapest 32.9941 R 172,00 F CFA 136 199,67 −F CFA 14 730,82
MoneyGram Agent 32.9941 R 172,00 F CFA 136 199,67 −F CFA 14 730,82
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.1454 – F CFA 151 125,34
WorldRemit Cheapest 34.4439 R 7,50 F CFA 147 850,44 −F CFA 3 274,90
PayPal App (P2P Transfer) 33.0367 R 172,00 F CFA 136 375,51 −F CFA 14 749,83
MoneyGram Agent 33.0367 R 172,00 F CFA 136 375,51 −F CFA 14 749,83
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.2085 – F CFA 151 396,60
WorldRemit Cheapest 34.5070 R 7,50 F CFA 148 121,17 −F CFA 3 275,43
PayPal App (P2P Transfer) 33.0960 R 172,00 F CFA 136 620,29 −F CFA 14 776,31
MoneyGram Agent 33.0960 R 172,00 F CFA 136 620,29 −F CFA 14 776,31
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.1794 – F CFA 151 271,36
PayPal App (P2P Transfer) Cheapest 33.0686 R 172,00 F CFA 136 507,28 −F CFA 14 764,08
MoneyGram Agent 33.0686 R 172,00 F CFA 136 507,28 −F CFA 14 764,08
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.3448 – F CFA 151 982,50
WorldRemit Cheapest 34.6327 R 7,50 F CFA 148 660,74 −F CFA 3 321,76
PayPal App (P2P Transfer) 33.2241 R 172,00 F CFA 137 149,01 −F CFA 14 833,49
MoneyGram Agent 33.2241 R 172,00 F CFA 137 149,01 −F CFA 14 833,49
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.4384 – F CFA 152 385,16
WorldRemit Cheapest 34.7604 R 7,50 F CFA 149 208,93 −F CFA 3 176,23
PayPal App (P2P Transfer) 33.3121 R 172,00 F CFA 137 512,37 −F CFA 14 872,79
MoneyGram Agent 33.3121 R 172,00 F CFA 137 512,37 −F CFA 14 872,79
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.4384 – F CFA 152 385,16
PayPal App (P2P Transfer) Cheapest 33.3121 R 172,00 F CFA 137 512,37 −F CFA 14 872,79
MoneyGram Agent 33.3121 R 172,00 F CFA 137 512,37 −F CFA 14 872,79
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.4705 – F CFA 152 523,30
PayPal App (P2P Transfer) Cheapest 33.3423 R 172,00 F CFA 137 637,03 −F CFA 14 886,27
MoneyGram Agent 33.3423 R 172,00 F CFA 137 637,03 −F CFA 14 886,27
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.5334 – F CFA 152 793,65
WorldRemit Cheapest 34.8104 R 7,50 F CFA 149 423,64 −F CFA 3 370,01
PayPal App (P2P Transfer) 33.4014 R 172,00 F CFA 137 880,99 −F CFA 14 912,66
MoneyGram Agent 33.4014 R 172,00 F CFA 137 880,99 −F CFA 14 912,66
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.5460 – F CFA 152 847,87
WorldRemit Cheapest 34.8175 R 7,50 F CFA 149 453,90 −F CFA 3 393,97
PayPal App (P2P Transfer) 33.4133 R 172,00 F CFA 137 929,92 −F CFA 14 917,95
MoneyGram Agent 33.4133 R 172,00 F CFA 137 929,92 −F CFA 14 917,95
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.3688 – F CFA 152 085,68
PayPal App (P2P Transfer) Cheapest 33.2466 R 172,00 F CFA 137 242,11 −F CFA 14 843,57
MoneyGram Agent 33.2466 R 172,00 F CFA 137 242,11 −F CFA 14 843,57
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.4493 – F CFA 152 431,91
PayPal App (P2P Transfer) Cheapest 33.3223 R 172,00 F CFA 137 554,56 −F CFA 14 877,35
MoneyGram Agent 33.3223 R 172,00 F CFA 137 554,56 −F CFA 14 877,35
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.3914 – F CFA 152 183,02
WorldRemit Cheapest 34.7141 R 7,50 F CFA 149 010,27 −F CFA 3 172,75
PayPal App (P2P Transfer) 33.2679 R 172,00 F CFA 137 329,96 −F CFA 14 853,06
MoneyGram Agent 33.2679 R 172,00 F CFA 137 329,96 −F CFA 14 853,06
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.3909 – F CFA 152 180,87
WorldRemit Cheapest 34.7141 R 7,50 F CFA 149 010,27 −F CFA 3 170,60
PayPal App (P2P Transfer) 33.2674 R 172,00 F CFA 137 328,02 −F CFA 14 852,85
MoneyGram Agent 33.2674 R 172,00 F CFA 137 328,02 −F CFA 14 852,85
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.5162 – F CFA 152 719,78
PayPal App (P2P Transfer) Cheapest 33.3853 R 172,00 F CFA 137 814,33 −F CFA 14 905,45
MoneyGram Agent 33.3853 R 172,00 F CFA 137 814,33 −F CFA 14 905,45
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.6041 – F CFA 153 097,81
WorldRemit Cheapest 34.8651 R 7,50 F CFA 149 658,48 −F CFA 3 439,33
PayPal App (P2P Transfer) 33.4679 R 172,00 F CFA 138 155,46 −F CFA 14 942,35
MoneyGram Agent 33.4679 R 172,00 F CFA 138 155,46 −F CFA 14 942,35
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.6226 – F CFA 153 177,00
WorldRemit Cheapest 34.9119 R 7,50 F CFA 149 859,37 −F CFA 3 317,63
PayPal App (P2P Transfer) 33.4852 R 172,00 F CFA 138 226,93 −F CFA 14 950,07
MoneyGram Agent 33.4852 R 172,00 F CFA 138 226,93 −F CFA 14 950,07
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.5452 – F CFA 152 844,21
PayPal App (P2P Transfer) Cheapest 33.4125 R 172,00 F CFA 137 926,61 −F CFA 14 917,60
MoneyGram Agent 33.4125 R 172,00 F CFA 137 926,61 −F CFA 14 917,60
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.4395 – F CFA 152 389,95
WorldRemit Cheapest 34.7236 R 7,50 F CFA 149 051,14 −F CFA 3 338,81
PayPal App (P2P Transfer) 33.3132 R 172,00 F CFA 137 516,69 −F CFA 14 873,26
MoneyGram Agent 33.3132 R 172,00 F CFA 137 516,69 −F CFA 14 873,26
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.3302 – F CFA 151 919,91
PayPal App (P2P Transfer) Cheapest 33.2104 R 172,00 F CFA 137 092,53 −F CFA 14 827,38
MoneyGram Agent 33.2104 R 172,00 F CFA 137 092,53 −F CFA 14 827,38
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.3302 – F CFA 151 919,91
PayPal App (P2P Transfer) Cheapest 33.2104 R 172,00 F CFA 137 092,53 −F CFA 14 827,38
MoneyGram Agent 33.2104 R 172,00 F CFA 137 092,53 −F CFA 14 827,38
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.1774 – F CFA 151 262,67
PayPal App (P2P Transfer) Cheapest 33.0667 R 172,00 F CFA 136 499,44 −F CFA 14 763,23
MoneyGram Agent 33.0667 R 172,00 F CFA 136 499,44 −F CFA 14 763,23
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.3016 – F CFA 151 796,97
WorldRemit Cheapest 34.6083 R 7,50 F CFA 148 556,00 −F CFA 3 240,97
PayPal App (P2P Transfer) 33.1835 R 172,00 F CFA 136 981,58 −F CFA 14 815,39
MoneyGram Agent 33.1835 R 172,00 F CFA 136 981,58 −F CFA 14 815,39
Exchange rateFeeRecipient getsDifference
Mid-market rate 35.4024 – F CFA 152 230,43
WorldRemit Cheapest 34.6910 R 7,50 F CFA 148 911,03 −F CFA 3 319,40
PayPal App (P2P Transfer) 33.2783 R 172,00 F CFA 137 372,74 −F CFA 14 857,69
MoneyGram Agent 33.2783 R 172,00 F CFA 137 372,74 −F CFA 14 857,69

Exchange rateFeeRecipient getsDifference

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 XOF 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 XOF on every transfer from South Africa.

Right now, WorldRemit pays 148,911.03 XOF on 4,300 ZAR, which is 3,319.4 XOF less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 149,859.37 XOF.

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.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Ivory Coast.

We've tracked 154 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.

  1. WorldRemitAppeared in 106 comparisons

    Cheapest in 60% of them

  2. PayPal App (P2P Transfer)Appeared in 86 comparisons

    Cheapest in 35% of them

  3. MoneyGram AgentAppeared in 86 comparisons

    Never the cheapest

Based on 154 comparisons across 7 amounts over the last 30 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 XOF, and it was also the cheapest in 60% of the 106 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Ivory Coast.

PayPal App (P2P Transfer) (today's second cheapest) was the cheapest in only 35% of its comparisons, so it's rarely the cheapest option for transfers to Ivory Coast.

Ways to send money from South Africa to Ivory Coast

3 companies send money from South Africa to Ivory Coast.

Frequent transfers from South Africa

Online transfers

Apps and online services are best for recurring transfers to Ivory Coast.

WorldRemit is the cheapest option.

It will get you 148,911.03 XOF on a R4,300 transfer.

For fast transfers, WorldRemit is a good option, it will deliver XOF in minutes - 2 days.

In our comparisons over the past month, it was the cheapest online service on 18 of the 18 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

Currency brokers are great for large transfers from South Africa to Ivory Coast.

They have no fees and add a markup on top of ZAR/XOF rate.

I suggest getting a few ZAR/XOF 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

Global accounts

Global accounts like Airwallex, Veem or Payoneer help South African businesses make recurring payments to suppliers and contractors in Ivory Coast.

Ways to fund ZAR and receive XOF in Ivory Coast

With WorldRemit, paying by debit card and receiving through mobile money is the cheapest combination. Sending R4,300 gives your recipient 148,911.03 XOF.

You can fund the transfer with bank transfer and debit card.

To receive XOF in Ivory Coast, your recipient can use bank deposit and mobile money.

  1. 1
    Debit card Mobile money

    You pay R4,300.00

    CFA148,911

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay R4,300.00

    CFA137,373

    -CFA11,538

Consider this when sending ZAR to Ivory Coast

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.

Compare ZAR/XOF transfer options

For a ZAR 4,300 transfer to Ivory Coast, the current best options are:

The cheapest option is WorldRemit, funded by debit card with mobile money for the payout. Your recipient gets 148,911.03 XOF, which is 7.75% 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 137,372.74 XOF in minutes.

R2 million allowance

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.

Get the purpose code right

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.

A gift can create donations tax

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.

Only use authorised companies

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.

How we analyse the market

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 Ivory Coast, comparing rates, fees and the pay-in and payout options in real time on live comparisons.

In the past 30 days alone, we analysed 154 comparisons across 7 amounts.

This page covers the cheapest and fastest options for ZAR/XOF 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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