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 28 September 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 = 2.9791 TRY +0.25% vs mid-market | Recipient gets ₺387 280,22 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 = 2.9791 TRY ₺387 280,22You payR 130 000,00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee R 0,00 1 ZAR = 2.9785 TRY +0.27% vs mid-market | Recipient gets ₺387 202,57 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 = 2.9785 TRY ₺387 202,57You 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 = 2.9791 TRY +0.25% vs mid-market | Recipient gets ₺387 280,22 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 = 2.9791 TRY ₺387 280,22You payR 130 000,00 | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee R 0,00 1 ZAR = 2.9785 TRY +0.27% vs mid-market | Recipient gets ₺387 202,57 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 = 2.9785 TRY ₺387 202,57You payR 130 000,00 | |||
 Currencies Direct Pay via Bank transfer | Fee R 0,00 1 ZAR = 2.9713 TRY +0.51% vs mid-market | Recipient gets ₺386 269,00 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 = 2.9713 TRY ₺386 269,00You payR 130 000,00 | |||
 Moneycorp Pay via Bank transfer | Fee R 0,00 1 ZAR = 2.9447 TRY +1.40% vs mid-market | Recipient gets ₺382 815,34 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 = 2.9447 TRY ₺382 815,34You payR 130 000,00 | |||
| How Our Results Work Mid-market rate: 1 ZAR = 2.9865 TRY Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Turkey, I suggest picking the cheapest option which is Key Currency.
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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| R 2 000 | 0.51% | R 0,00 | ₺5 938,00with bank transfer to bank deposit | +₺213,90 | |
| R 130 000This page | 0.25% | R 0,00 | ₺387 280,22with bank transfer to bank deposit | +₺1 388,44 |
Mid-market rate: 1 ZAR = 2.9865 TRY
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 382,815.34 TRY on a R130,000 transfer.
For fast transfers, Moneycorp is a good option, it will deliver TRY 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 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.
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 387,280.22 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
₺387,280
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 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 387,280.22 TRY, which is 0.02% more than the next best option.
The fastest option is Regency FX, using the same bank transfer and bank deposit chain. Your recipient gets 387,202.57 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.
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 TRY amount, even when the transfer fee stays the same. Check the recent range before converting your ZAR.
Mid-market rate:1 ZAR = 2.987854 TRY
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.
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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