From the 1 money transfer services available, we found Regency FX to be the cheapest and Regency FX to be the fastest. You can send ZAR via bank transfer, and you can receive RUB via bank deposit.
| 1 of 1 providers Last updated on 10 November 2026 | |||
| Based on 130,000 ZAR transfer Best companies for ZAR/RUB transfers | |||
| Promoted  Regency FX Pay via Bank transfer | Fee R 0,00 1 ZAR = 5.0265 RUB +0.27% vs mid-market | Recipient gets ₽653 449,50 Minutes - 24 hours | |
Ways to receive money in Russia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 5.0265 RUB ₽653 449,50You payR 130 000,00 | |||
Run a live search Showing top South Africa to Russia 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 RUB rates. | |||
Run a live search These companies offer multi-currency accounts for spending RUB. We suggest doing a live search based on how much ZAR you're planning to spend in Russia. | |||
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 = 5.0265 RUB +0.27% vs mid-market | Recipient gets ₽653 449,50 Minutes - 24 hours | |
Ways to receive money in Russia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 5.0265 RUB ₽653 449,50You payR 130 000,00 | |||
| How Our Results Work Mid-market rate: 1 ZAR = 5.0401 RUB Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Russia, I suggest picking the cheapest option which is Regency FX.
Regency FX was the cheapest on 27 of the 27 days it quoted R130,000 transfers to Russia.
On a 130,000 ZAR transfer, Regency FX delivers the most RUB.
The best option will change depending on how much you actually send, so I suggest to get the best ZAR/RUB 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 Russia 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 Regency FX was the cheapest in 100% of all the transfers it quoted over the past month.
| Cheapest service | |||||
|---|---|---|---|---|---|
| R 50 000 | 0.27% | R 0,00 | ₽251 256,52with bank transfer to bank deposit | ₽0,00 | |
| R 100 000 | 0.27% | R 0,00 | ₽502 682,08with bank transfer to bank deposit | ₽0,00 | |
| R 130 000This page | 0.27% | R 0,00 | ₽653 449,50with bank transfer to bank deposit | ₽0,00 |
Mid-market rate: 1 ZAR = 5.0401 RUB
The cheapest way to send ZAR to RUB 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 Regency FX), across 30 days of comparisons for 130,000 ZAR transfers to Russia.
Tue, 10 Nov 2026Mid-market rate₽655 218,59 Regency FX ₽653 449,50Regency FX₽653 449,50
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1065 | – | ₽663 850,72 | |
| | 5.0928 | R 0,00 | ₽662 058,32 | −₽1 792,40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.0892 | – | ₽661 591,84 | |
| | 5.0754 | R 0,00 | ₽659 805,54 | −₽1 786,30 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.0907 | – | ₽661 790,35 | |
| | 5.0770 | R 0,00 | ₽660 003,52 | −₽1 786,83 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.0526 | – | ₽656 833,58 | |
| | 5.0389 | R 0,00 | ₽655 060,13 | −₽1 773,45 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.0849 | – | ₽661 041,68 | |
| | 5.0712 | R 0,00 | ₽659 256,87 | −₽1 784,81 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1009 | – | ₽663 118,95 | |
| | 5.0871 | R 0,00 | ₽661 328,53 | −₽1 790,42 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1009 | – | ₽663 118,95 | |
| | 5.0871 | R 0,00 | ₽661 328,53 | −₽1 790,42 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.0272 | – | ₽653 530,15 | |
| | 5.0136 | R 0,00 | ₽651 765,62 | −₽1 764,53 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.0290 | – | ₽653 763,63 | |
| | 5.0154 | R 0,00 | ₽651 998,47 | −₽1 765,16 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.0053 | – | ₽650 694,20 | |
| | 4.9918 | R 0,00 | ₽648 937,33 | −₽1 756,87 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.9345 | – | ₽641 484,48 | |
| | 4.9212 | R 0,00 | ₽639 752,47 | −₽1 732,01 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.8759 | – | ₽633 872,46 | |
| | 4.8628 | R 0,00 | ₽632 161,00 | −₽1 711,46 |
No data was collected on Sat, 24 Oct 2026.
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.8469 | – | ₽630 101,42 | |
| | 4.8338 | R 0,00 | ₽628 400,15 | −₽1 701,27 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.8682 | – | ₽632 871,46 | |
| | 4.8551 | R 0,00 | ₽631 162,71 | −₽1 708,75 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.8435 | – | ₽629 652,66 | |
| | 4.8304 | R 0,00 | ₽627 952,60 | −₽1 700,06 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.8320 | – | ₽628 159,74 | |
| | 4.8190 | R 0,00 | ₽626 463,71 | −₽1 696,03 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.8460 | – | ₽629 979,48 | |
| | 4.8329 | R 0,00 | ₽628 278,54 | −₽1 700,94 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.9001 | – | ₽637 006,50 | |
| | 4.8868 | R 0,00 | ₽635 286,58 | −₽1 719,92 |
No data was collected on Sat, 31 Oct 2026.
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.8028 | – | ₽624 361,27 | |
| | 4.7898 | R 0,00 | ₽622 675,49 | −₽1 685,78 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.8500 | – | ₽630 505,85 | |
| | 4.8369 | R 0,00 | ₽628 803,48 | −₽1 702,37 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.8851 | – | ₽635 065,34 | |
| | 4.8719 | R 0,00 | ₽633 350,66 | −₽1 714,68 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.9560 | – | ₽644 281,43 | |
| | 4.9426 | R 0,00 | ₽642 541,87 | −₽1 739,56 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.0047 | – | ₽650 610,22 | |
| | 4.9912 | R 0,00 | ₽648 853,57 | −₽1 756,65 |
No data was collected on Fri, 06 Nov 2026.
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.9596 | – | ₽644 752,42 | |
| | 4.9462 | R 0,00 | ₽643 011,59 | −₽1 740,83 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.9593 | – | ₽644 714,98 | |
| | 4.9460 | R 0,00 | ₽642 974,25 | −₽1 740,73 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.9992 | – | ₽649 900,16 | |
| | 4.9857 | R 0,00 | ₽648 145,43 | −₽1 754,73 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.0401 | – | ₽655 218,59 | |
| | 5.0265 | R 0,00 | ₽653 449,50 | −₽1 769,09 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 5.0401 | – | ₽655 218,59 | |
|---|---|---|---|---|
| |
Each line shows what the recipient gets when you send R 130 000, after fees, as quoted by each company. The mid-market line shows what R 130 000 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 RUB 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 RUB on every transfer from South Africa.
Right now, Regency FX pays 653,449.50 RUB on 130,000 ZAR, which is 1,769.09 RUB less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 662,058.32 RUB.
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 Russia.
We've tracked 176 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.
Cheapest every time
Based on 42 comparisons across 6 amounts over the last 7 days.
Cheapest every time
Based on 176 comparisons across 6 amounts over the last 30 days.
Cheapest every time
Based on 254 comparisons across 6 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 Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.
1 companies send money from South Africa to Russia.
Emigration and large transfers
Currency brokers are great for large transfers from South Africa to Russia.
They have no fees and add a markup on top of ZAR/RUB rate.
Regency FX charges an exchange-rate markup of around 0.27% and no fees.
Our analysis shows Regency FX was the cheapest broker in 100% of all the transfers it quoted.
Also, don’t forget about the R2 million limits on transfers from South Africa (more below).
For business payments abroad
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending R130,000 gives your recipient 653,449.50 RUB.
You can fund the transfer with bank transfer.
To receive RUB in Russia, your recipient can use bank deposit.
You pay R130,000.00
₽653,450
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 130,000 transfer to Russia, the current best options are:
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 653,449.50 RUB, which is 0% more than the next best option.
The fastest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 653,449.50 RUB in minutes - 24 hours.
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 1 of them on ZAR to Russia, comparing rates, fees and the pay-in and payout options in real time on live comparisons.
In the past 30 days alone, we analysed 176 comparisons across 6 amounts.
This page covers the cheapest and fastest options for ZAR/RUB 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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