Send Money to Philippines from South Africa | Best ZAR-PHP Exchange Rates

Best companies for ZAR/PHP transfers
4 of 4 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze ZAR/PHP exchange rates from our comparisons. This page updates weekly. We collect, store, and analyze ZAR/PHP exchange rates from our comparisons.
Based on 130,000 ZAR transfer Best companies for ZAR/PHP transfers All money transfer offers for ZAR/PHP transfers, sorted by most PHP received. The first two offers may be sponsored promotions. Some offers here pay us a commission. All money transfer offers for ZAR/PHP transfers, sorted by most PHP received. The first two offers may be sponsored promotions. Some offers here pay us a commission. Sort Cheapest
Promoted TorFx Pay via Bank transfer	Fee R 0,00 1 ZAR = 3.9027 PHP +0.30% vs mid-market	Recipient gets ₱507 357,31 Minutes - 24 hours
2 reviews Personal account managerReceive to bank accountIdeal for buying property abroad
Ways to receive money in Philippines with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 3.9027 PHP ₱507 357,31You payR 130 000,00
Promoted Regency FX Pay via Bank transfer	Fee R 0,00 1 ZAR = 3.9039 PHP +0.27% vs mid-market	Recipient gets ₱507 509,97 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Philippines with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 3.9039 PHP ₱507 509,97You payR 130 000,00
Run a live search Showing top South Africa to Philippines deals for 130,000 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 PHP rates.
Run a live search These companies offer multi-currency accounts for spending PHP. We suggest doing a live search based on how much ZAR you're planning to spend in Philippines.
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.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee R 0,00 1 ZAR = 3.9039 PHP +0.27% vs mid-market	Recipient gets ₱507 509,97 Minutes - 24 hours
9 reviews CheapestUsing Bank transfer with Regency FX is the cheapest way to send money to Philippines from South Africa. Using Bank transfer with Regency FX is the cheapest way to send money to Philippines from South Africa. Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Philippines with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 3.9039 PHP ₱507 509,97You payR 130 000,00
TorFx Pay via Bank transfer	Fee R 0,00 1 ZAR = 3.9027 PHP +0.30% vs mid-market	Recipient gets ₱507 357,31 Minutes - 24 hours
2 reviews FastestTorFx with Bank transfer deposit is the fastest way to send ZAR to Philippines. TorFx with Bank transfer deposit is the fastest way to send ZAR to Philippines. RecommendedBased on our editorial reviews, TorFx is our recommended way to send money from South Africa to Philippines. Based on our editorial reviews, TorFx is our recommended way to send money from South Africa to Philippines. Personal account managerReceive to bank accountIdeal for buying property abroad
Ways to receive money in Philippines with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 3.9027 PHP ₱507 357,31You payR 130 000,00
CurrencyFair Pay via Bank transfer	Fee R 20,44 1 ZAR = 3.8880 PHP +0.68% vs mid-market	Recipient gets ₱505 360,00 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours R 20,441 ZAR = 3.8880 PHP ₱505 360,00You payR 130 000,00
Only available via Mobile App WorldRemit Pay via Debit card	Fee R 7,50 1 ZAR = 3.8657 PHP +1.26% vs mid-market	Recipient gets ₱502 505,51 Minutes - 2 days
13 reviews Receive to bank account or cash pickup
Ways to receive money in Philippines with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 2 days R 7,501 ZAR = 3.8657 PHP ₱502 505,51You payR 130 000,00
How Our Results Work Mid-market rate: 1 ZAR = 3.914492 PHP Updates every 60 minutes.

Why compare

ZAR/PHP exchange rate

Best ways to pay & receive

Transfer speed

Historic ZAR/PHP options

How to send money from South Africa to Philippines

Pick a company

For a one-off transfer to Philippines, I suggest picking the cheapest option which is Regency FX.

On a 130,000 ZAR transfer, Regency FX delivers the most PHP.

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

Ways to send money from South Africa to

4 companies send money from South Africa to Philippines.

Frequent transfers from South Africa

Online transfers

Apps and online services are best for recurring transfers to Philippines.

WorldRemit is the cheapest option.

It will get you 502,505.51 PHP on a R130,000 transfer.

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

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 Philippines.

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

Regency FX charges an exchange-rate markup of around 0.27% and no fees.

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 Philippines.

Ways to fund ZAR and receive PHP in Philippines

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending R130,000 gives your recipient 507,509.97 PHP.

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

To receive PHP in Philippines, your recipient can use bank deposit and cash pickup.

They can collect cash in the Philippines

Cash pickup is available through .

To collect PHP as cash, they will need to visit a participating branch in Philippines with valid ID and the transfer reference.

1

Bank transfer Bank deposit

You pay R130,000.00

₱507,510

Cheapest
2

Debit card Cash pickup

You pay R130,000.00

₱502,506

-₱5,004

Consider this when sending ZAR to Philippines

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.

Compare ZAR/PHP transfer options

For a ZAR 130,000 transfer to Philippines, the current best options are:

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 507,509.97 PHP, which is 0.03% more than the next best option.

The fastest option is Regency FX, using the same bank transfer and bank deposit chain. Your recipient gets 507,509.97 PHP in minutes - 24 hours.

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.

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.

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.

Live ZAR-PHP Exchange Rate

Finding the best ZAR to PHP rate

The exchange rate changes the final PHP amount, even when the transfer fee stays the same. Check the recent range before converting your ZAR.

Mid-market rate:1 ZAR = 3.922218 PHP

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 4 of them on ZAR to Philippines, 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.

Send money from South Africa