MoneyTransfers

How to send money to Lesotho from South Africa with the best ZAR-LSL rate

From the 2 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 LSL via bank deposit.

Best companies for ZAR/LSL transfers

2 of 2 providers

Last updated on 28 October 2026

Based on 4,300 ZAR transfer

Best companies for ZAR/LSL transfers

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Showing top South Africa to Lesotho deals for 4,300 ZAR. Do a live search with your exact amount for today's best rates.
Send Money Between PayPal Accounts

PayPal App (P2P Transfer)

Pay via Bank transfer
Fee R 172,00 1 ZAR = 0.9426 LSL +6.00% vs mid-market Recipient gets LSL 3 891,00 Minutes
0 reviews
Fastest

Ways to receive money in Lesotho with PayPal App (P2P Transfer) when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes
R 172,001 ZAR = 0.9426 LSL
LSL 3 891,00You payR 4 300,00
Send cash via a MoneyGram agent

MoneyGram Agent

Pay via Bank transfer
Fee R 172,00 1 ZAR = 0.9426 LSL +6.00% vs mid-market Recipient gets LSL 3 891,00 Minutes - 3 days
0 reviews
CheapestRecommended

Ways to receive money in Lesotho with MoneyGram Agent when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
R 172,001 ZAR = 0.9426 LSL
LSL 3 891,00You payR 4 300,00
How Our Results Work
Mid-market rate: 1 ZAR = 1.0028 LSL Updates every 60 minutes.

How to send money from South Africa to Lesotho

Pick a company

For a one-off transfer to Lesotho, I suggest picking the cheapest option which is PayPal App (P2P Transfer).

PayPal App (P2P Transfer) was the cheapest on 30 of the 30 days it quoted R4,300 transfers to Lesotho.

On a 4,300 ZAR transfer, PayPal App (P2P Transfer) delivers the most LSL.

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

Fund your transfer

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.

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 Lesotho?

How much ZAR you send to Lesotho 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 0006.00%R 80,00LSL 1 807,68with bank transfer to bank depositLSL 0,00
R 4 300This page6.00%R 172,00LSL 3 891,00with bank transfer to bank depositLSL 0,00
R 4 5006.00%R 180,00LSL 4 067,05with bank transfer to bank depositLSL 0,00
R 5 0006.00%R 200,00LSL 4 522,42with bank transfer to bank depositLSL 0,00
R 50 0000.27%R 0,00LSL 49 988,57with bank transfer to bank depositLSL 0,00
R 130 0000.27%R 0,00LSL 130 035,09with bank transfer to bank depositLSL 0,00

Mid-market rate: 1 ZAR = 1.0028 LSL

ZAR/LSL Exchange Rate History

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

The cheapest way to send ZAR to LSL 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 Lesotho.

LSL received for R 4 300, after fees

Wed, 28 Oct 2026Mid-market rateLSL 4 311,83 PayPal App (P2P Transfer) LSL 3 891,00PayPal App (P2P Transfer)LSL 3 891,00MoneyGram AgentLSL 3 891,00

3 800
3 900
4 000
4 100
4 200
4 300
4 400
At the mid-market rateWith the cheapest optionPayPal App (P2P Transfer)MoneyGram Agent
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0001 – LSL 4 300,32
PayPal App (P2P Transfer) Cheapest 0.9401 R 172,00 LSL 3 880,61 −LSL 419,71
MoneyGram Agent 0.9401 R 172,00 LSL 3 880,61 −LSL 419,71
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0014 – LSL 4 306,15
PayPal App (P2P Transfer) Cheapest 0.9413 R 172,00 LSL 3 885,87 −LSL 420,28
MoneyGram Agent 0.9413 R 172,00 LSL 3 885,87 −LSL 420,28
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0015 – LSL 4 306,48
PayPal App (P2P Transfer) Cheapest 0.9414 R 172,00 LSL 3 886,17 −LSL 420,31
MoneyGram Agent 0.9414 R 172,00 LSL 3 886,17 −LSL 420,31
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0016 – LSL 4 306,77
PayPal App (P2P Transfer) Cheapest 0.9415 R 172,00 LSL 3 886,43 −LSL 420,34
MoneyGram Agent 0.9415 R 172,00 LSL 3 886,43 −LSL 420,34
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9997 – LSL 4 298,78
PayPal App (P2P Transfer) Cheapest 0.9397 R 172,00 LSL 3 879,22 −LSL 419,56
MoneyGram Agent 0.9397 R 172,00 LSL 3 879,22 −LSL 419,56
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0017 – LSL 4 307,37
PayPal App (P2P Transfer) Cheapest 0.9416 R 172,00 LSL 3 886,97 −LSL 420,40
MoneyGram Agent 0.9416 R 172,00 LSL 3 886,97 −LSL 420,40
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0008 – LSL 4 303,43
PayPal App (P2P Transfer) Cheapest 0.9408 R 172,00 LSL 3 883,42 −LSL 420,01
MoneyGram Agent 0.9408 R 172,00 LSL 3 883,42 −LSL 420,01
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9981 – LSL 4 291,80
PayPal App (P2P Transfer) Cheapest 0.9382 R 172,00 LSL 3 872,92 −LSL 418,88
MoneyGram Agent 0.9382 R 172,00 LSL 3 872,92 −LSL 418,88
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9973 – LSL 4 288,44
PayPal App (P2P Transfer) Cheapest 0.9375 R 172,00 LSL 3 869,89 −LSL 418,55
MoneyGram Agent 0.9375 R 172,00 LSL 3 869,89 −LSL 418,55
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0016 – LSL 4 306,88
PayPal App (P2P Transfer) Cheapest 0.9415 R 172,00 LSL 3 886,52 −LSL 420,36
MoneyGram Agent 0.9415 R 172,00 LSL 3 886,52 −LSL 420,36
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0068 – LSL 4 329,42
PayPal App (P2P Transfer) Cheapest 0.9464 R 172,00 LSL 3 906,87 −LSL 422,55
MoneyGram Agent 0.9464 R 172,00 LSL 3 906,87 −LSL 422,55
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0016 – LSL 4 306,68
PayPal App (P2P Transfer) Cheapest 0.9415 R 172,00 LSL 3 886,35 −LSL 420,33
MoneyGram Agent 0.9415 R 172,00 LSL 3 886,35 −LSL 420,33
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0016 – LSL 4 306,68
PayPal App (P2P Transfer) Cheapest 0.9415 R 172,00 LSL 3 886,35 −LSL 420,33
MoneyGram Agent 0.9415 R 172,00 LSL 3 886,35 −LSL 420,33
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0016 – LSL 4 306,88
PayPal App (P2P Transfer) Cheapest 0.9415 R 172,00 LSL 3 886,53 −LSL 420,35
MoneyGram Agent 0.9415 R 172,00 LSL 3 886,53 −LSL 420,35
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0033 – LSL 4 314,29
PayPal App (P2P Transfer) Cheapest 0.9431 R 172,00 LSL 3 893,22 −LSL 421,07
MoneyGram Agent 0.9431 R 172,00 LSL 3 893,22 −LSL 421,07
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9994 – LSL 4 297,35
PayPal App (P2P Transfer) Cheapest 0.9394 R 172,00 LSL 3 877,93 −LSL 419,42
MoneyGram Agent 0.9394 R 172,00 LSL 3 877,93 −LSL 419,42
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9994 – LSL 4 297,35
PayPal App (P2P Transfer) Cheapest 0.9394 R 172,00 LSL 3 877,93 −LSL 419,42
MoneyGram Agent 0.9394 R 172,00 LSL 3 877,93 −LSL 419,42
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0028 – LSL 4 312,07
PayPal App (P2P Transfer) Cheapest 0.9426 R 172,00 LSL 3 891,22 −LSL 420,85
MoneyGram Agent 0.9426 R 172,00 LSL 3 891,22 −LSL 420,85
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9981 – LSL 4 291,81
PayPal App (P2P Transfer) Cheapest 0.9382 R 172,00 LSL 3 872,93 −LSL 418,88
MoneyGram Agent 0.9382 R 172,00 LSL 3 872,93 −LSL 418,88
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9981 – LSL 4 291,75
PayPal App (P2P Transfer) Cheapest 0.9382 R 172,00 LSL 3 872,88 −LSL 418,87
MoneyGram Agent 0.9382 R 172,00 LSL 3 872,88 −LSL 418,87
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0015 – LSL 4 306,51
PayPal App (P2P Transfer) Cheapest 0.9414 R 172,00 LSL 3 886,19 −LSL 420,32
MoneyGram Agent 0.9414 R 172,00 LSL 3 886,19 −LSL 420,32
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9997 – LSL 4 298,69
PayPal App (P2P Transfer) Cheapest 0.9397 R 172,00 LSL 3 879,14 −LSL 419,55
MoneyGram Agent 0.9397 R 172,00 LSL 3 879,14 −LSL 419,55
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0017 – LSL 4 307,31
PayPal App (P2P Transfer) Cheapest 0.9416 R 172,00 LSL 3 886,91 −LSL 420,40
MoneyGram Agent 0.9416 R 172,00 LSL 3 886,91 −LSL 420,40
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9991 – LSL 4 296,10
PayPal App (P2P Transfer) Cheapest 0.9391 R 172,00 LSL 3 876,80 −LSL 419,30
MoneyGram Agent 0.9391 R 172,00 LSL 3 876,80 −LSL 419,30
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9980 – LSL 4 291,60
PayPal App (P2P Transfer) Cheapest 0.9382 R 172,00 LSL 3 872,74 −LSL 418,86
MoneyGram Agent 0.9382 R 172,00 LSL 3 872,74 −LSL 418,86
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9989 – LSL 4 295,42
PayPal App (P2P Transfer) Cheapest 0.9390 R 172,00 LSL 3 876,19 −LSL 419,23
MoneyGram Agent 0.9390 R 172,00 LSL 3 876,19 −LSL 419,23
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9989 – LSL 4 295,42
PayPal App (P2P Transfer) Cheapest 0.9390 R 172,00 LSL 3 876,19 −LSL 419,23
MoneyGram Agent 0.9390 R 172,00 LSL 3 876,19 −LSL 419,23
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9944 – LSL 4 275,98
PayPal App (P2P Transfer) Cheapest 0.9348 R 172,00 LSL 3 858,65 −LSL 417,33
MoneyGram Agent 0.9348 R 172,00 LSL 3 858,65 −LSL 417,33
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0011 – LSL 4 304,86
PayPal App (P2P Transfer) Cheapest 0.9411 R 172,00 LSL 3 884,71 −LSL 420,15
MoneyGram Agent 0.9411 R 172,00 LSL 3 884,71 −LSL 420,15
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0028 – LSL 4 311,83
PayPal App (P2P Transfer) Cheapest 0.9426 R 172,00 LSL 3 891,00 −LSL 420,83
MoneyGram Agent 0.9426 R 172,00 LSL 3 891,00 −LSL 420,83

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 LSL 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 LSL on every transfer from South Africa.

Right now, PayPal App (P2P Transfer) pays 3,891 LSL on 4,300 ZAR, which is 420.83 LSL less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 3,906.87 LSL.

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 Lesotho.

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

  1. PayPal App (P2P Transfer)Appeared in 88 comparisons

    Cheapest every time

  2. MoneyGram AgentAppeared in 88 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 PayPal App (P2P Transfer) is the cheapest and gets you the most LSL, and it was also the cheapest in 100% of the 88 comparisons it appeared in over the past month.

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

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 Lesotho.

Ways to send money from South Africa to Lesotho

2 companies send money from South Africa to Lesotho.

Emigration and large transfers

Currency brokers

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

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

I suggest getting a few ZAR/LSL 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 Lesotho.

Ways to fund ZAR and receive LSL in Lesotho

With PayPal App (P2P Transfer), paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending R4,300 gives your recipient 3,891 LSL.

You can fund the transfer with bank transfer.

To receive LSL in Lesotho, your recipient can use bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay R4,300.00

    LSL3,891

    Cheapest

Consider this when sending ZAR to Lesotho

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/LSL transfer options

For a ZAR 4,300 transfer to Lesotho, 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 3,891 LSL, 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 3,891 LSL 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 2 of them on ZAR to Lesotho, 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/LSL 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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