From the 4 money transfer services available, we found Key Currency to be the cheapest and Regency FX to be the fastest. You can send ZAR via bank transfer, and you can receive TRY via bank deposit.
| 4 of 4 providers Last updated on 10 November 2026 | |||
| Based on 130,000 ZAR transfer Best companies for ZAR/TRY transfers | |||
| Promoted  Key Currency Pay via Bank transfer | Fee R 0,00 1 ZAR = 3.0604 TRY +0.25% vs mid-market | Recipient gets ₺397 855,35 Minutes - 3 days | |
Ways to receive money in Türkiye with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 ZAR = 3.0604 TRY ₺397 855,35You payR 130 000,00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee R 0,00 1 ZAR = 3.0598 TRY +0.27% vs mid-market | Recipient gets ₺397 775,58 Minutes - 24 hours | |
Ways to receive money in Türkiye with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 3.0598 TRY ₺397 775,58You payR 130 000,00 | |||
Run a live search Showing top South Africa to Turkey 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 TRY rates. | |||
Run a live search These companies offer multi-currency accounts for spending TRY. We suggest doing a live search based on how much ZAR you're planning to spend in Turkey. | |||
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: Special Rate for 1st Transfer Key Currency Pay via Bank transfer | Fee R 0,00 1 ZAR = 3.0604 TRY +0.25% vs mid-market | Recipient gets ₺397 855,35 Minutes - 3 days | |
Ways to receive money in Türkiye with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 ZAR = 3.0604 TRY ₺397 855,35You payR 130 000,00 | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee R 0,00 1 ZAR = 3.0598 TRY +0.27% vs mid-market | Recipient gets ₺397 775,58 Minutes - 24 hours | |
Ways to receive money in Türkiye with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 3.0598 TRY ₺397 775,58You payR 130 000,00 | |||
 Currencies Direct Pay via Bank transfer | Fee R 0,00 1 ZAR = 3.0518 TRY +0.53% vs mid-market | Recipient gets ₺396 734,00 Minutes - 24 hours | |
Ways to receive money in Türkiye with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 3.0518 TRY ₺396 734,00You payR 130 000,00 | |||
 Moneycorp Pay via Bank transfer | Fee R 0,00 1 ZAR = 3.0251 TRY +1.40% vs mid-market | Recipient gets ₺393 268,55 Minutes - 2 days | |
Ways to receive money in Türkiye with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 ZAR = 3.0251 TRY ₺393 268,55You payR 130 000,00 | |||
| How Our Results Work Mid-market rate: 1 ZAR = 3.0681 TRY Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Turkey, I suggest picking the cheapest option which is Key Currency.
Key Currency was the cheapest on 29 of the 29 days it quoted R130,000 transfers to Turkey.
On a 130,000 ZAR transfer, Key Currency delivers the most TRY.
The best option will change depending on how much you actually send, so I suggest to get the best ZAR/TRY 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 Turkey 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 Key Currency was the cheapest in 100% of all the transfers it quoted over the past month.
| Cheapest service | |||||
|---|---|---|---|---|---|
| R 2 000 | 0.58% | R 0,00 | ₺6 105,60with bank transfer to bank deposit | +₺217,23 | |
| R 4 500 | 0.62% | R 0,00 | ₺13 729,95with bank transfer to bank deposit | +₺484,58 | |
| R 5 000 | 0.58% | R 0,00 | ₺15 258,00with bank transfer to bank deposit | +₺542,28 | |
| R 50 000 | 0.27% | R 0,00 | ₺152 989,81with bank transfer to bank deposit | +₺775,56 | |
| R 100 000 | 0.27% | R 0,00 | ₺306 081,54with bank transfer to bank deposit | +₺1 376,54 | |
| R 130 000This page | 0.25% | R 0,00 | ₺397 855,35with bank transfer to bank deposit | +₺1 446,98 |
Mid-market rate: 1 ZAR = 3.0681 TRY
The cheapest way to send ZAR to TRY 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 Key Currency), across 30 days of comparisons for 130,000 ZAR transfers to Turkey.
Tue, 10 Nov 2026Mid-market rate₺398 852,48 Key Currency ₺397 855,35Key Currency₺397 855,35Regency FX₺397 775,58Currencies Direct₺396 734,00
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.9905 | – | ₺388 758,76 | |
| | 2.9830 | R 0,00 | ₺387 786,86 | −₺971,90 |
| | 2.9824 | R 0,00 | ₺387 709,11 | −₺1 049,65 |
| | 2.9698 | R 0,00 | ₺386 074,00 | −₺2 684,76 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.9992 | – | ₺389 895,35 | |
| | 2.9917 | R 0,00 | ₺388 920,61 | −₺974,74 |
| | 2.9911 | R 0,00 | ₺388 842,63 | −₺1 052,72 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.9953 | – | ₺389 383,41 | |
| | 2.9878 | R 0,00 | ₺388 409,95 | −₺973,46 |
| | 2.9872 | R 0,00 | ₺388 332,07 | −₺1 051,34 |
| | 2.9789 | R 0,00 | ₺387 257,00 | −₺2 126,41 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.9843 | – | ₺387 961,08 | |
| | 2.9769 | R 0,00 | ₺386 991,18 | −₺969,90 |
| | 2.9763 | R 0,00 | ₺386 913,59 | −₺1 047,49 |
| | 2.9689 | R 0,00 | ₺385 957,00 | −₺2 004,08 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0107 | – | ₺391 385,93 | |
| | 3.0031 | R 0,00 | ₺390 407,47 | −₺978,46 |
| | 3.0025 | R 0,00 | ₺390 329,19 | −₺1 056,74 |
| | 2.9888 | R 0,00 | ₺388 544,00 | −₺2 841,93 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0019 | – | ₺390 249,73 | |
| | 2.9944 | R 0,00 | ₺389 274,11 | −₺975,62 |
| | 2.9938 | R 0,00 | ₺389 196,06 | −₺1 053,67 |
| | 2.9854 | R 0,00 | ₺388 102,00 | −₺2 147,73 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0019 | – | ₺390 249,73 | |
| | 2.9944 | R 0,00 | ₺389 274,11 | −₺975,62 |
| | 2.9938 | R 0,00 | ₺389 196,06 | −₺1 053,67 |
| | 2.9854 | R 0,00 | ₺388 102,00 | −₺2 147,73 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0053 | – | ₺390 684,06 | |
| | 2.9977 | R 0,00 | ₺389 707,35 | −₺976,71 |
| | 2.9971 | R 0,00 | ₺389 629,21 | −₺1 054,85 |
| | 2.9888 | R 0,00 | ₺388 544,00 | −₺2 140,06 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0221 | – | ₺392 872,87 | |
| | 3.0145 | R 0,00 | ₺391 890,69 | −₺982,18 |
| | 3.0139 | R 0,00 | ₺391 812,11 | −₺1 060,76 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0241 | – | ₺393 131,31 | |
| | 3.0165 | R 0,00 | ₺392 148,48 | −₺982,83 |
| | 3.0159 | R 0,00 | ₺392 069,86 | −₺1 061,45 |
| | 3.0068 | R 0,00 | ₺390 884,00 | −₺2 247,31 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0110 | – | ₺391 435,46 | |
| | 3.0035 | R 0,00 | ₺390 456,87 | −₺978,59 |
| | 3.0029 | R 0,00 | ₺390 378,58 | −₺1 056,88 |
| | 2.9944 | R 0,00 | ₺389 272,00 | −₺2 163,46 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0047 | – | ₺390 608,79 | |
| | 2.9972 | R 0,00 | ₺389 632,27 | −₺976,52 |
| | 2.9966 | R 0,00 | ₺389 554,15 | −₺1 054,64 |
| | 2.9894 | R 0,00 | ₺388 622,00 | −₺1 986,79 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.9990 | – | ₺389 863,63 | |
| | 2.9915 | R 0,00 | ₺388 888,97 | −₺974,66 |
| | 2.9909 | R 0,00 | ₺388 811,00 | −₺1 052,63 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.9990 | – | ₺389 863,63 | |
| | 2.9915 | R 0,00 | ₺388 888,97 | −₺974,66 |
| | 2.9909 | R 0,00 | ₺388 811,00 | −₺1 052,63 |
| | 2.9777 | R 0,00 | ₺387 101,00 | −₺2 762,63 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.9944 | – | ₺389 273,17 | |
| | 2.9869 | R 0,00 | ₺388 299,99 | −₺973,18 |
| | 2.9863 | R 0,00 | ₺388 222,13 | −₺1 051,04 |
| | 2.9788 | R 0,00 | ₺387 244,00 | −₺2 029,17 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.9881 | – | ₺388 448,32 | |
| | 2.9806 | R 0,00 | ₺387 477,20 | −₺971,12 |
| | 2.9800 | R 0,00 | ₺387 399,51 | −₺1 048,81 |
| | 2.9719 | R 0,00 | ₺386 347,00 | −₺2 101,32 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.9916 | – | ₺388 903,58 | |
| | 2.9841 | R 0,00 | ₺387 931,32 | −₺972,26 |
| | 2.9835 | R 0,00 | ₺387 853,54 | −₺1 050,04 |
| | 2.9732 | R 0,00 | ₺386 516,00 | −₺2 387,58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.9947 | – | ₺389 308,27 | |
| | 2.9872 | R 0,00 | ₺388 335,00 | −₺973,27 |
| | 2.9866 | R 0,00 | ₺388 257,14 | −₺1 051,13 |
| | 2.9783 | R 0,00 | ₺387 179,00 | −₺2 129,27 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0028 | – | ₺390 363,87 | |
| | 2.9953 | R 0,00 | ₺389 387,96 | −₺975,91 |
| | 2.9947 | R 0,00 | ₺389 309,89 | −₺1 053,98 |
| | 2.9870 | R 0,00 | ₺388 310,00 | −₺2 053,87 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.9865 | – | ₺388 248,38 | |
| | 2.9791 | R 0,00 | ₺387 277,76 | −₺970,62 |
| | 2.9785 | R 0,00 | ₺387 200,11 | −₺1 048,27 |
| | 2.9718 | R 0,00 | ₺386 334,00 | −₺1 914,38 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.9865 | – | ₺388 248,38 | |
| | 2.9791 | R 0,00 | ₺387 277,76 | −₺970,62 |
| | 2.9785 | R 0,00 | ₺387 200,11 | −₺1 048,27 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0014 | – | ₺390 181,87 | |
| | 2.9939 | R 0,00 | ₺389 206,42 | −₺975,45 |
| | 2.9933 | R 0,00 | ₺389 128,38 | −₺1 053,49 |
| | 2.9854 | R 0,00 | ₺388 102,00 | −₺2 079,87 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0042 | – | ₺390 549,12 | |
| | 2.9967 | R 0,00 | ₺389 572,75 | −₺976,37 |
| | 2.9961 | R 0,00 | ₺389 494,64 | −₺1 054,48 |
| | 2.9882 | R 0,00 | ₺388 466,00 | −₺2 083,12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0308 | – | ₺394 004,52 | |
| | 3.0232 | R 0,00 | ₺393 019,51 | −₺985,01 |
| | 3.0226 | R 0,00 | ₺392 940,71 | −₺1 063,81 |
| | 3.0147 | R 0,00 | ₺391 911,00 | −₺2 093,52 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0545 | – | ₺397 087,60 | |
| | 3.0469 | R 0,00 | ₺396 094,88 | −₺992,72 |
| | 3.0463 | R 0,00 | ₺396 015,46 | −₺1 072,14 |
| | 3.0391 | R 0,00 | ₺395 083,00 | −₺2 004,60 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 3.0116 | R 0,00 | ₺391 508,00 | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0355 | – | ₺394 610,97 | |
| | 3.0279 | R 0,00 | ₺393 624,44 | −₺986,53 |
| | 3.0273 | R 0,00 | ₺393 545,52 | −₺1 065,45 |
| | 3.0192 | R 0,00 | ₺392 496,00 | −₺2 114,97 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0353 | – | ₺394 588,09 | |
| | 3.0277 | R 0,00 | ₺393 601,62 | −₺986,47 |
| | 3.0271 | R 0,00 | ₺393 522,70 | −₺1 065,39 |
| | 3.0192 | R 0,00 | ₺392 496,00 | −₺2 092,09 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0408 | – | ₺395 305,82 | |
| | 3.0332 | R 0,00 | ₺394 317,56 | −₺988,26 |
| | 3.0326 | R 0,00 | ₺394 238,49 | −₺1 067,33 |
| | 3.0151 | R 0,00 | ₺391 963,00 | −₺3 342,82 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.0681 | – | ₺398 852,48 | |
| | 3.0604 | R 0,00 | ₺397 855,35 | −₺997,13 |
| | 3.0598 | R 0,00 | ₺397 775,58 | −₺1 076,90 |
| | 3.0518 | R 0,00 | ₺396 734,00 | −₺2 118,48 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 3.0681 | – | ₺398 852,48 | |
|---|---|---|---|---|
| | ||||
| | ||||
| | ||||
| |
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 TRY 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 TRY on every transfer from South Africa.
Right now, Key Currency pays 397,855.35 TRY on 130,000 ZAR, which is 997.13 TRY less than the mid-market amount.
Today's payout is the highest in the past month.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Turkey.
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
Cheapest in 50% of them
Cheapest in 51% of them
Based on 42 comparisons across 6 amounts over the last 7 days.
Cheapest every time
Cheapest in 44% of them
Cheapest in 52% of them
Based on 176 comparisons across 6 amounts over the last 30 days.
Cheapest in 98% of them
Cheapest in 21% of them
Cheapest in 43% of them
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 Key Currency is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.
4 companies send money from South Africa to Turkey.
Frequent transfers from South Africa
Apps and online services are best for recurring transfers to Turkey.
Moneycorp is the cheapest option.
It will get you 393,268.55 TRY on a R130,000 transfer.
For fast transfers, Moneycorp is a good option, it will deliver TRY in minutes - 2 days.
In our comparisons over the past month, it was the cheapest online service on 29 of the 29 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 are great for large transfers from South Africa to Turkey.
They have no fees and add a markup on top of ZAR/TRY rate.
Key Currency charges an exchange-rate markup of around 0.25% and no fees.
Our analysis shows Key Currency 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 Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending R130,000 gives your recipient 397,855.35 TRY.
You can fund the transfer with bank transfer.
To receive TRY in Turkey, your recipient can use bank deposit.
You pay R130,000.00
₺397,855
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 Turkey, the current best options are:
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 397,855.35 TRY, which is 0.02% 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 397,775.58 TRY 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 4 of them on ZAR to Turkey, 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/TRY 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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