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 PKR via bank deposit.
| 2 of 2 providers Last updated on 28 September 2026 | |||
| Based on 4,300 ZAR transfer Best companies for ZAR/PKR transfers | |||
Run a live search Showing top South Africa to Pakistan 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 PKR rates. | |||
Run a live search These companies offer multi-currency accounts for spending PKR. We suggest doing a live search based on how much ZAR you're planning to spend in Pakistan. | |||
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 = 15.9028 PKR +6.00% vs mid-market | Recipient gets Rs 65 646,85 Minutes - 3 days | |
Ways to receive money in Pakistan with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days R 172,001 ZAR = 15.9028 PKR Rs 65 646,85You payR 4 300,00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee R 129,00 1 ZAR = 15.7336 PKR +7.00% vs mid-market | Recipient gets Rs 65 625,03 Minutes - 5 days | |
Ways to receive money in Pakistan with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days R 129,001 ZAR = 15.7336 PKR Rs 65 625,03You payR 4 300,00 | |||
| How Our Results Work Mid-market rate: 1 ZAR = 16.9179 PKR Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Pakistan, I suggest picking the cheapest option which is MoneyGram Agent.
On a 4,300 ZAR transfer, MoneyGram Agent delivers the most PKR.
The best option will change depending on how much you actually send, so I suggest to get the best ZAR/PKR 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 Pakistan 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| R 2 000 | 6.00% | R 80,00 | Rs 30 504,26with bank transfer to bank deposit | +Rs 5,07 | |
| R 4 300This page | 6.00% | R 172,00 | Rs 65 646,85with bank transfer to bank deposit | +Rs 10,91 | |
| R 130 000 | 0.27% | R 0,00 | Rs 2 192 654,23with bank transfer to bank deposit | Rs 0,00 |
Mid-market rate: 1 ZAR = 16.9179 PKR
2 companies send money from South Africa to Pakistan.
Emigration and large transfers
Currency brokers are great for large transfers from South Africa to Pakistan.
They have no fees and add a markup on top of ZAR/PKR rate.
I suggest getting a few ZAR/PKR 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 65,646.85 PKR.
You can fund the transfer with bank transfer.
To receive PKR in Pakistan, your recipient can use bank deposit.
You pay R4,300.00
₨65,647
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 forex specialist is cheaper.
For a ZAR 4,300 transfer to Pakistan, the current best options are:
The cheapest option is MoneyGram Agent, funded by bank transfer with bank deposit for the payout. Your recipient gets 65,646.85 PKR, which is 0.03% more than the next best option.
The fastest option is MoneyGram Agent, using the same bank transfer and bank deposit chain. Your recipient gets 65,646.85 PKR 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.
A 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.
The exchange rate changes the final PKR amount, even when the transfer fee stays the same. Check the recent range before converting your ZAR.
Mid-market rate:1 ZAR = 16.897947 PKR
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 Pakistan, comparing rates, fees and the pay-in and payout options in real time on live comparisons.
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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