From the 2 money transfer services available, we found MoneyGram Agent to be the cheapest and MoneyGram Agent to be the fastest.You can send ZAR via bank transfer, and you can receive LRD via bank deposit.
| 2 of 2 providers Last updated on 28 October 2026 | |||
| Based on 4,300 ZAR transfer Best companies for ZAR/LRD transfers | |||
Run a live search Showing top South Africa to Liberia 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 LRD rates. | |||
Run a live search These companies offer multi-currency accounts for spending LRD. We suggest doing a live search based on how much ZAR you're planning to spend in Liberia. | |||
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 cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee R 172,00 1 ZAR = 9.6073 LRD +6.00% vs mid-market | Recipient gets $39 658,99 Minutes - 3 days | |
Ways to receive money in Liberia with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days R 172,001 ZAR = 9.6073 LRD $39 658,99You payR 4 300,00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee R 129,00 1 ZAR = 9.5051 LRD +7.00% vs mid-market | Recipient gets $39 645,80 Minutes - 5 days | |
Ways to receive money in Liberia with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days R 129,001 ZAR = 9.5051 LRD $39 645,80You payR 4 300,00 | |||
| How Our Results Work Mid-market rate: 1 ZAR = 10.2205 LRD Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Liberia, I suggest picking the cheapest option which is MoneyGram Agent.
MoneyGram Agent was the cheapest on 30 of the 30 days it quoted R4,300 transfers to Liberia.
On a 4,300 ZAR transfer, MoneyGram Agent delivers the most LRD.
The best option will change depending on how much you actually send, so I suggest to get the best ZAR/LRD 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 Liberia 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 MoneyGram Agent 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 | $18 425,67with bank transfer to bank deposit | +$3,06 | |
| R 4 300This page | 6.00% | R 172,00 | $39 658,99with bank transfer to bank deposit | +$6,59 | |
| R 4 500 | 6.00% | R 180,00 | $41 455,38with bank transfer to bank deposit | +$6,89 | |
| R 5 000 | 6.00% | R 200,00 | $46 097,06with bank transfer to bank deposit | +$7,66 | |
| R 50 000 | 0.27% | R 0,00 | $509 533,44with bank transfer to bank deposit | $0,00 | |
| R 130 000 | 0.27% | R 0,00 | $1 325 447,75with bank transfer to bank deposit | $0,00 |
Mid-market rate: 1 ZAR = 10.2205 LRD
The cheapest way to send ZAR to LRD 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 MoneyGram Agent), across 30 days of comparisons for 4,300 ZAR transfers to Liberia.
Wed, 28 Oct 2026Mid-market rate$43 948,34 MoneyGram Agent $39 658,99MoneyGram Agent$39 658,99Western Union Agent$39 645,80
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.4809 | – | $45 067,82 | |
| MoneyGram Agent Cheapest | 9.8520 | R 172,00 | $40 669,20 | −$4 398,62 |
| | 9.7472 | R 129,00 | $40 655,68 | −$4 412,14 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.4745 | – | $45 040,30 | |
| MoneyGram Agent Cheapest | 9.8460 | R 172,00 | $40 644,37 | −$4 395,93 |
| | 9.7413 | R 129,00 | $40 630,86 | −$4 409,44 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.4357 | – | $44 873,52 | |
| MoneyGram Agent Cheapest | 9.8096 | R 172,00 | $40 493,86 | −$4 379,66 |
| | 9.7052 | R 129,00 | $40 480,40 | −$4 393,12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.2887 | – | $44 241,57 | |
| MoneyGram Agent Cheapest | 9.6714 | R 172,00 | $39 923,59 | −$4 317,98 |
| | 9.5685 | R 129,00 | $39 910,32 | −$4 331,25 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.2882 | – | $44 239,09 | |
| MoneyGram Agent Cheapest | 9.6709 | R 172,00 | $39 921,36 | −$4 317,73 |
| | 9.5680 | R 129,00 | $39 908,09 | −$4 331,00 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.2444 | – | $44 050,76 | |
| MoneyGram Agent Cheapest | 9.6297 | R 172,00 | $39 751,40 | −$4 299,36 |
| | 9.5273 | R 129,00 | $39 738,19 | −$4 312,57 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.2393 | – | $44 029,02 | |
| MoneyGram Agent Cheapest | 9.6249 | R 172,00 | $39 731,79 | −$4 297,23 |
| | 9.5226 | R 129,00 | $39 718,58 | −$4 310,44 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.2449 | – | $44 053,27 | |
| MoneyGram Agent Cheapest | 9.6302 | R 172,00 | $39 753,67 | −$4 299,60 |
| | 9.5278 | R 129,00 | $39 740,45 | −$4 312,82 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.2978 | – | $44 280,54 | |
| MoneyGram Agent Cheapest | 9.6799 | R 172,00 | $39 958,76 | −$4 321,78 |
| | 9.5770 | R 129,00 | $39 945,47 | −$4 335,07 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.2620 | – | $44 126,73 | |
| MoneyGram Agent Cheapest | 9.6463 | R 172,00 | $39 819,96 | −$4 306,77 |
| | 9.5437 | R 129,00 | $39 806,73 | −$4 320,00 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.3118 | – | $44 340,92 | |
| MoneyGram Agent Cheapest | 9.6931 | R 172,00 | $40 013,25 | −$4 327,67 |
| | 9.5900 | R 129,00 | $39 999,95 | −$4 340,97 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.3517 | – | $44 512,28 | |
| MoneyGram Agent Cheapest | 9.7306 | R 172,00 | $40 167,88 | −$4 344,40 |
| | 9.6271 | R 129,00 | $40 154,53 | −$4 357,75 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.3517 | – | $44 512,28 | |
| MoneyGram Agent Cheapest | 9.7306 | R 172,00 | $40 167,88 | −$4 344,40 |
| | 9.6271 | R 129,00 | $40 154,53 | −$4 357,75 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.3528 | – | $44 517,18 | |
| MoneyGram Agent Cheapest | 9.7317 | R 172,00 | $40 172,30 | −$4 344,88 |
| | 9.6281 | R 129,00 | $40 158,95 | −$4 358,23 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.3419 | – | $44 470,08 | |
| MoneyGram Agent Cheapest | 9.7214 | R 172,00 | $40 129,80 | −$4 340,28 |
| | 9.6179 | R 129,00 | $40 116,46 | −$4 353,62 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.3379 | – | $44 453,00 | |
| MoneyGram Agent Cheapest | 9.7176 | R 172,00 | $40 114,38 | −$4 338,62 |
| | 9.6143 | R 129,00 | $40 101,05 | −$4 351,95 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.2960 | – | $44 272,66 | |
| MoneyGram Agent Cheapest | 9.6782 | R 172,00 | $39 951,65 | −$4 321,01 |
| | 9.5753 | R 129,00 | $39 938,37 | −$4 334,29 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.3526 | – | $44 516,16 | |
| MoneyGram Agent Cheapest | 9.7314 | R 172,00 | $40 171,38 | −$4 344,78 |
| | 9.6279 | R 129,00 | $40 158,03 | −$4 358,13 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.3524 | – | $44 515,52 | |
| MoneyGram Agent Cheapest | 9.7313 | R 172,00 | $40 170,81 | −$4 344,71 |
| | 9.6278 | R 129,00 | $40 157,45 | −$4 358,07 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.3523 | – | $44 514,89 | |
| MoneyGram Agent Cheapest | 9.7312 | R 172,00 | $40 170,24 | −$4 344,65 |
| | 9.6276 | R 129,00 | $40 156,89 | −$4 358,00 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.3698 | – | $44 590,34 | |
| MoneyGram Agent Cheapest | 9.7477 | R 172,00 | $40 238,32 | −$4 352,02 |
| | 9.6440 | R 129,00 | $40 224,94 | −$4 365,40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.4311 | – | $44 853,61 | |
| MoneyGram Agent Cheapest | 9.8052 | R 172,00 | $40 475,90 | −$4 377,71 |
| | 9.7009 | R 129,00 | $40 462,44 | −$4 391,17 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.3674 | – | $44 579,66 | |
| MoneyGram Agent Cheapest | 9.7453 | R 172,00 | $40 228,68 | −$4 350,98 |
| | 9.6416 | R 129,00 | $40 215,31 | −$4 364,35 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.3801 | – | $44 634,60 | |
| MoneyGram Agent Cheapest | 9.7573 | R 172,00 | $40 278,26 | −$4 356,34 |
| | 9.6535 | R 129,00 | $40 264,87 | −$4 369,73 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.3249 | – | $44 397,28 | |
| MoneyGram Agent Cheapest | 9.7055 | R 172,00 | $40 064,10 | −$4 333,18 |
| | 9.6022 | R 129,00 | $40 050,78 | −$4 346,50 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.2798 | – | $44 203,32 | |
| MoneyGram Agent Cheapest | 9.6631 | R 172,00 | $39 889,08 | −$4 314,24 |
| | 9.5603 | R 129,00 | $39 875,82 | −$4 327,50 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.2798 | – | $44 203,32 | |
| MoneyGram Agent Cheapest | 9.6631 | R 172,00 | $39 889,08 | −$4 314,24 |
| | 9.5603 | R 129,00 | $39 875,82 | −$4 327,50 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.2312 | – | $43 993,99 | |
| MoneyGram Agent Cheapest | 9.6173 | R 172,00 | $39 700,18 | −$4 293,81 |
| | 9.5150 | R 129,00 | $39 686,98 | −$4 307,01 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.2302 | – | $43 990,06 | |
| MoneyGram Agent Cheapest | 9.6164 | R 172,00 | $39 696,63 | −$4 293,43 |
| | 9.5141 | R 129,00 | $39 683,43 | −$4 306,63 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 10.2205 | – | $43 948,34 | |
| MoneyGram Agent Cheapest | 9.6073 | R 172,00 | $39 658,99 | −$4 289,35 |
| | 9.5051 | R 129,00 | $39 645,80 | −$4 302,54 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 10.2205 | – | $43 948,34 | |
|---|---|---|---|---|
| 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 LRD 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 LRD on every transfer from South Africa.
Right now, MoneyGram Agent pays 39,658.99 LRD on 4,300 ZAR, which is 4,289.35 LRD less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 40,669.2 LRD.
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 Liberia.
We've tracked 154 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
Based on 49 comparisons across 7 amounts over the last 7 days.
Cheapest every time
Never the cheapest
Based on 154 comparisons across 7 amounts over the last 30 days.
Cheapest every time
Never the cheapest
Based on 279 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 MoneyGram Agent is the cheapest and gets you the most LRD, 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 Liberia.
Western Union Agent (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Liberia.
2 companies send money from South Africa to Liberia.
Emigration and large transfers
Currency brokers are great for large transfers from South Africa to Liberia.
They have no fees and add a markup on top of ZAR/LRD rate.
I suggest getting a few ZAR/LRD 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 MoneyGram Agent, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending R4,300 gives your recipient 39,658.99 LRD.
You can fund the transfer with bank transfer.
To receive LRD in Liberia, your recipient can use bank deposit.
You pay R4,300.00
L$39,659
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 Liberia, the current best options are:
The cheapest option is MoneyGram Agent, funded by bank transfer with bank deposit for the payout. Your recipient gets 39,658.99 LRD, which is 0.03% more than the next best option.
The fastest option is MoneyGram Agent, funded by bank transfer with bank deposit for the payout. Your recipient gets 39,658.99 LRD in minutes - 3 days.
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 2 of them on ZAR to Liberia, 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/LRD 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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