How to send money to Tanzania from South Africa with the best ZAR-TZS rate

From the 4 money transfer services available, we found WorldRemit to be the cheapest and PayPal App (P2P Transfer) to be the fastest.You can send ZAR via bank transfer and debit card, and you can receive TZS via bank deposit and mobile money.

Best companies for ZAR/TZS transfers

4 of 4 providers

Last updated on 28 October 2026

Based on 4,300 ZAR transfer

Best companies for ZAR/TZS transfers

Sort Cheapest
Promoted

WorldRemit

Pay via Debit card
Fee R 7,50 1 ZAR = 155.4742 TZS +2.07% vs mid-market Recipient gets TZS 667 373,09 Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in Tanzania with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutes - 2 days
R 7,501 ZAR = 155.4742 TZS
TZS 667 373,09You payR 4 300,00

Run a live search

Showing top South Africa to Tanzania deals for 4,300 ZAR. Do a live search with your exact amount for today's best rates.
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee R 7,50 1 ZAR = 155.4742 TZS +2.07% vs mid-market Recipient gets TZS 667 373,09 Minutes - 2 days
CheapestRecommended
Receive to bank account or cash pickup

Ways to receive money in Tanzania with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutes - 2 days
R 7,501 ZAR = 155.4742 TZS
TZS 667 373,09You payR 4 300,00
Send Money Between PayPal Accounts

PayPal App (P2P Transfer)

Pay via Bank transfer
Fee R 172,00 1 ZAR = 149.1973 TZS +6.00% vs mid-market Recipient gets TZS 615 886,34 Minutes
0 reviews
Fastest

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

MethodFee & ratesRecipient gets
Bank depositMinutes
R 172,001 ZAR = 149.1973 TZS
TZS 615 886,34You payR 4 300,00
Send cash via a MoneyGram agent

MoneyGram Agent

Pay via Bank transfer
Fee R 172,00 1 ZAR = 149.1973 TZS +6.00% vs mid-market Recipient gets TZS 615 886,34 Minutes - 3 days
0 reviews

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
R 172,001 ZAR = 149.1973 TZS
TZS 615 886,34You payR 4 300,00
Send cash via a Western Union agent

Western Union Agent

Pay via Bank transfer
Fee R 129,00 1 ZAR = 147.6101 TZS +7.00% vs mid-market Recipient gets TZS 615 681,59 Minutes - 5 days
0 reviews

Ways to receive money in Tanzania with Western Union Agent when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
R 129,001 ZAR = 147.6101 TZS
TZS 615 681,59You payR 4 300,00
How Our Results Work
Mid-market rate: 1 ZAR = 158.7205 TZS Updates every 60 minutes.

How to send money from South Africa to Tanzania

Pick a company

For a one-off transfer to Tanzania, I suggest picking the cheapest option which is WorldRemit.

WorldRemit was the cheapest on 16 of the 16 days it quoted R4,300 transfers to Tanzania.

On a 4,300 ZAR transfer, WorldRemit delivers the most TZS.

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

Compare amounts

How much ZAR are you sending to Tanzania?

How much ZAR you send to Tanzania 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 WorldRemit was the cheapest in 58% of all the transfers it quoted over the past month.

Cheapest service
R 2 0001.93%R 7,50TZS 309 782,38with debit card to mobile money+TZS 17 808,09
R 4 300This page2.07%R 7,50TZS 667 373,09with debit card to mobile money+TZS 38 666,25
R 4 5001.94%R 7,50TZS 698 467,93with debit card to mobile money+TZS 41 105,11
R 5 0002.11%R 7,50TZS 775 426,66with debit card to mobile money+TZS 44 836,80
R 50 0000.27%R 0,00TZS 7 912 127,52with bank transfer to bank deposit+TZS 73 688,46
R 100 0000.27%R 0,00TZS 15 790 042,96with bank transfer to bank deposit+TZS 129 688,43
R 130 0000.27%R 0,00TZS 20 580 417,82with bank transfer to bank depositTZS 0,00

Mid-market rate: 1 ZAR = 158.7205 TZS

ZAR/TZS Exchange Rate History

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

The cheapest way to send ZAR to TZS 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 WorldRemit), across 30 days of comparisons for 4,300 ZAR transfers to Tanzania.

TZS received for R 4 300, after fees

Wed, 28 Oct 2026Mid-market rateTZS 682 498,16 WorldRemit TZS 667 373,09WorldRemitTZS 667 373,09PayPal App (P2P Transfer)TZS 615 886,34MoneyGram AgentTZS 615 886,34

600 000
620 000
640 000
660 000
680 000
700 000
720 000
At the mid-market rateWith the cheapest optionWorldRemitPayPal App (P2P Transfer)MoneyGram Agent
Exchange rateFeeRecipient getsDifference
Mid-market rate 160.4693 – TZS 690 018,03
WorldRemit Cheapest 157.4188 R 7,50 TZS 675 720,11 −TZS 14 297,92
PayPal App (P2P Transfer) 150.8412 R 172,00 TZS 622 672,27 −TZS 67 345,76
MoneyGram Agent 150.8412 R 172,00 TZS 622 672,27 −TZS 67 345,76
Exchange rateFeeRecipient getsDifference
Mid-market rate 162.0507 – TZS 696 818,08
WorldRemit Cheapest 158.1753 R 7,50 TZS 678 967,48 −TZS 17 850,60
PayPal App (P2P Transfer) 152.3277 R 172,00 TZS 628 808,63 −TZS 68 009,45
MoneyGram Agent 152.3277 R 172,00 TZS 628 808,63 −TZS 68 009,45
Exchange rateFeeRecipient getsDifference
Mid-market rate 160.7378 – TZS 691 172,65
WorldRemit Cheapest 157.6236 R 7,50 TZS 676 599,39 −TZS 14 573,26
PayPal App (P2P Transfer) 151.0936 R 172,00 TZS 623 714,20 −TZS 67 458,45
MoneyGram Agent 151.0936 R 172,00 TZS 623 714,20 −TZS 67 458,45
Exchange rateFeeRecipient getsDifference
Mid-market rate 158.2194 – TZS 680 343,35
PayPal App (P2P Transfer) Cheapest 148.7262 R 172,00 TZS 613 941,84 −TZS 66 401,51
MoneyGram Agent 148.7262 R 172,00 TZS 613 941,84 −TZS 66 401,51
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 158.2099 – TZS 680 302,76
PayPal App (P2P Transfer) Cheapest 148.7173 R 172,00 TZS 613 905,21 −TZS 66 397,55
MoneyGram Agent 148.7173 R 172,00 TZS 613 905,21 −TZS 66 397,55
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 157.8648 – TZS 678 818,70
WorldRemit Cheapest 155.6250 R 7,50 TZS 668 020,18 −TZS 10 798,52
PayPal App (P2P Transfer) 148.3929 R 172,00 TZS 612 565,99 −TZS 66 252,71
MoneyGram Agent 148.3929 R 172,00 TZS 612 565,99 −TZS 66 252,71
Exchange rateFeeRecipient getsDifference
Mid-market rate 158.0172 – TZS 679 473,86
WorldRemit Cheapest 155.0253 R 7,50 TZS 665 446,10 −TZS 14 027,76
PayPal App (P2P Transfer) 148.5361 R 172,00 TZS 613 157,21 −TZS 66 316,65
MoneyGram Agent 148.5361 R 172,00 TZS 613 157,21 −TZS 66 316,65
Exchange rateFeeRecipient getsDifference
Mid-market rate 158.4736 – TZS 681 436,62
WorldRemit Cheapest 155.5677 R 7,50 TZS 667 774,18 −TZS 13 662,44
PayPal App (P2P Transfer) 148.9652 R 172,00 TZS 614 928,41 −TZS 66 508,21
MoneyGram Agent 148.9652 R 172,00 TZS 614 928,41 −TZS 66 508,21
Exchange rateFeeRecipient getsDifference
Mid-market rate 159.8164 – TZS 687 210,69
WorldRemit Cheapest 156.1821 R 7,50 TZS 670 411,75 −TZS 16 798,94
PayPal App (P2P Transfer) 150.2275 R 172,00 TZS 620 138,92 −TZS 67 071,77
MoneyGram Agent 150.2275 R 172,00 TZS 620 138,92 −TZS 67 071,77
Exchange rateFeeRecipient getsDifference
Mid-market rate 158.8437 – TZS 683 028,11
WorldRemit Cheapest 155.3820 R 7,50 TZS 666 977,11 −TZS 16 051,00
PayPal App (P2P Transfer) 149.3131 R 172,00 TZS 616 364,56 −TZS 66 663,55
MoneyGram Agent 149.3131 R 172,00 TZS 616 364,56 −TZS 66 663,55
Exchange rateFeeRecipient getsDifference
Mid-market rate 159.9945 – TZS 687 976,24
WorldRemit Cheapest 156.6470 R 7,50 TZS 672 407,08 −TZS 15 569,16
PayPal App (P2P Transfer) 150.3948 R 172,00 TZS 620 829,76 −TZS 67 146,48
MoneyGram Agent 150.3948 R 172,00 TZS 620 829,76 −TZS 67 146,48
Exchange rateFeeRecipient getsDifference
Mid-market rate 159.8231 – TZS 687 239,29
PayPal App (P2P Transfer) Cheapest 150.2337 R 172,00 TZS 620 164,74 −TZS 67 074,55
MoneyGram Agent 150.2337 R 172,00 TZS 620 164,74 −TZS 67 074,55
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 159.8231 – TZS 687 239,29
WorldRemit Cheapest 156.8556 R 7,50 TZS 673 302,75 −TZS 13 936,54
PayPal App (P2P Transfer) 150.2337 R 172,00 TZS 620 164,74 −TZS 67 074,55
MoneyGram Agent 150.2337 R 172,00 TZS 620 164,74 −TZS 67 074,55
Exchange rateFeeRecipient getsDifference
Mid-market rate 160.1440 – TZS 688 619,00
PayPal App (P2P Transfer) Cheapest 150.5353 R 172,00 TZS 621 409,79 −TZS 67 209,21
MoneyGram Agent 150.5353 R 172,00 TZS 621 409,79 −TZS 67 209,21
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 160.1329 – TZS 688 571,57
PayPal App (P2P Transfer) Cheapest 150.5249 R 172,00 TZS 621 366,99 −TZS 67 204,58
MoneyGram Agent 150.5249 R 172,00 TZS 621 366,99 −TZS 67 204,58
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 159.8064 – TZS 687 167,45
WorldRemit Cheapest 157.1365 R 7,50 TZS 674 508,38 −TZS 12 659,07
PayPal App (P2P Transfer) 150.2180 R 172,00 TZS 620 099,91 −TZS 67 067,54
MoneyGram Agent 150.2180 R 172,00 TZS 620 099,91 −TZS 67 067,54
Exchange rateFeeRecipient getsDifference
Mid-market rate 159.3467 – TZS 685 190,65
PayPal App (P2P Transfer) Cheapest 149.7859 R 172,00 TZS 618 316,04 −TZS 66 874,61
MoneyGram Agent 149.7859 R 172,00 TZS 618 316,04 −TZS 66 874,61
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 160.2878 – TZS 689 237,59
PayPal App (P2P Transfer) Cheapest 150.6705 R 172,00 TZS 621 968,00 −TZS 67 269,59
MoneyGram Agent 150.6705 R 172,00 TZS 621 968,00 −TZS 67 269,59
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 160.4508 – TZS 689 938,43
PayPal App (P2P Transfer) Cheapest 150.8238 R 172,00 TZS 622 600,44 −TZS 67 337,99
MoneyGram Agent 150.8238 R 172,00 TZS 622 600,44 −TZS 67 337,99
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 160.4485 – TZS 689 928,67
PayPal App (P2P Transfer) Cheapest 150.8216 R 172,00 TZS 622 591,63 −TZS 67 337,04
MoneyGram Agent 150.8216 R 172,00 TZS 622 591,63 −TZS 67 337,04
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 160.5304 – TZS 690 280,86
WorldRemit Cheapest 157.4145 R 7,50 TZS 675 701,83 −TZS 14 579,03
PayPal App (P2P Transfer) 150.8986 R 172,00 TZS 622 909,45 −TZS 67 371,41
MoneyGram Agent 150.8986 R 172,00 TZS 622 909,45 −TZS 67 371,41
Exchange rateFeeRecipient getsDifference
Mid-market rate 161.2856 – TZS 693 527,98
PayPal App (P2P Transfer) Cheapest 151.6084 R 172,00 TZS 625 839,65 −TZS 67 688,33
MoneyGram Agent 151.6084 R 172,00 TZS 625 839,65 −TZS 67 688,33
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 161.1820 – TZS 693 082,59
PayPal App (P2P Transfer) Cheapest 151.5111 R 172,00 TZS 625 437,73 −TZS 67 644,86
MoneyGram Agent 151.5111 R 172,00 TZS 625 437,73 −TZS 67 644,86
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 161.1366 – TZS 692 887,18
WorldRemit Cheapest 157.7122 R 7,50 TZS 676 979,49 −TZS 15 907,69
PayPal App (P2P Transfer) 151.4684 R 172,00 TZS 625 261,39 −TZS 67 625,79
MoneyGram Agent 151.4684 R 172,00 TZS 625 261,39 −TZS 67 625,79
Exchange rateFeeRecipient getsDifference
Mid-market rate 160.2579 – TZS 689 108,91
WorldRemit Cheapest 156.9159 R 7,50 TZS 673 561,46 −TZS 15 547,45
PayPal App (P2P Transfer) 150.6424 R 172,00 TZS 621 851,88 −TZS 67 257,03
MoneyGram Agent 150.6424 R 172,00 TZS 621 851,88 −TZS 67 257,03
Exchange rateFeeRecipient getsDifference
Mid-market rate 159.6262 – TZS 686 392,72
WorldRemit Cheapest 156.0064 R 7,50 TZS 669 657,64 −TZS 16 735,08
PayPal App (P2P Transfer) 150.0486 R 172,00 TZS 619 400,79 −TZS 66 991,93
MoneyGram Agent 150.0486 R 172,00 TZS 619 400,79 −TZS 66 991,93
Exchange rateFeeRecipient getsDifference
Mid-market rate 159.6262 – TZS 686 392,72
PayPal App (P2P Transfer) Cheapest 150.0486 R 172,00 TZS 619 400,79 −TZS 66 991,93
MoneyGram Agent 150.0486 R 172,00 TZS 619 400,79 −TZS 66 991,93
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 159.1113 – TZS 684 178,65
PayPal App (P2P Transfer) Cheapest 149.5646 R 172,00 TZS 617 402,81 −TZS 66 775,84
MoneyGram Agent 149.5646 R 172,00 TZS 617 402,81 −TZS 66 775,84
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 158.9839 – TZS 683 630,93
PayPal App (P2P Transfer) Cheapest 149.4449 R 172,00 TZS 616 908,55 −TZS 66 722,38
MoneyGram Agent 149.4449 R 172,00 TZS 616 908,55 −TZS 66 722,38
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 158.7205 – TZS 682 498,16
WorldRemit Cheapest 155.4742 R 7,50 TZS 667 373,09 −TZS 15 125,07
PayPal App (P2P Transfer) 149.1973 R 172,00 TZS 615 886,34 −TZS 66 611,82
MoneyGram Agent 149.1973 R 172,00 TZS 615 886,34 −TZS 66 611,82

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 TZS 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 TZS on every transfer from South Africa.

Right now, WorldRemit pays 667,373.09 TZS on 4,300 ZAR, which is 15,125.07 TZS less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 678,967.48 TZS.

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 Tanzania.

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

  1. WorldRemitAppeared in 93 comparisons

    Cheapest in 58% of them

  2. PayPal App (P2P Transfer)Appeared in 90 comparisons

    Cheapest in 42% of them

  3. MoneyGram AgentAppeared in 90 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 WorldRemit is the cheapest and gets you the most TZS, and it was also the cheapest in 58% of the 93 comparisons it appeared in over the past month.

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

PayPal App (P2P Transfer) (today's second cheapest) was the cheapest in only 42% of its comparisons, so it's rarely the cheapest option for transfers to Tanzania.

Ways to send money from South Africa to Tanzania

4 companies send money from South Africa to Tanzania.

Frequent transfers from South Africa

Online transfers

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

WorldRemit is the cheapest option.

It will get you 667,373.09 TZS on a R4,300 transfer.

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

In our comparisons over the past month, it was the cheapest online service on 16 of the 16 days it quoted.

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 Tanzania.

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

I suggest getting a few ZAR/TZS 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 Tanzania.

Ways to fund ZAR and receive TZS in Tanzania

With WorldRemit, paying by debit card and receiving through mobile money is the cheapest combination. Sending R4,300 gives your recipient 667,373.09 TZS.

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

To receive TZS in Tanzania, your recipient can use bank deposit and mobile money.

  1. 1
    Debit card Mobile money

    You pay R4,300.00

    TSh667,373

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay R4,300.00

    TSh615,886

    -TSh51,487

Consider this when sending ZAR to Tanzania

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/TZS transfer options

For a ZAR 4,300 transfer to Tanzania, the current best options are:

The cheapest option is WorldRemit, funded by debit card with mobile money for the payout. Your recipient gets 667,373.09 TZS, which is 7.71% 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 615,886.34 TZS 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 4 of them on ZAR to Tanzania, 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/TZS 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.