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How to send money to South Africa from US with the best USD-ZAR rate

Find the best deals when you transfer from the United States to South Africa. Get insights on the fastest, cheapest, and providers with the best USD to ZAR exchange rates.

Read on to get the best value, expert information, and analysis on ways to send money to South Africa from United States.

Transferring the other way? Send ZAR from South Africa to United States instead.
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July 4th, 2025
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Best money transfer companies

Send money from United States to South Africa

Last updated: Today
Mid-market rate as of 07/04/2025: 1 USD = 17.51805 ZAR
Results below are based on a 7000 USD search
0 of 16 providers
Sponsored
Wise
Recipient gets (ZAR)
R 121,742.21
Full transfer details
Visit Wise
R 2,795 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (ZAR)
R 121,422.00
Full transfer details
Visit Xe
R 2,474 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (ZAR)
R 122,319.78
Full transfer details
Visit Key Currency
R 3,372 better than a typical bank*

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: Special Rate for 1st Transfer
2
Currencyflow
Recipient gets (ZAR)
R 122,307.52
Full transfer details
Visit Currencyflow
R 3,360 better than a typical bank*

"Currencyflow is a modern FX broker backed by industry veterans with 30+ years of currency trading experience. Contact the UK-based team for a free quote."

Personal account manager
Multi-currency card
Receive to bank account
Support via email, phone, live chat + WhatsApp
Exclusive: First Transfer Deal
3
Regency FX
Recipient gets (ZAR)
R 122,295.26
Full transfer details
Visit Regency FX
R 3,348 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
4
Currencies Direct
Recipient gets (ZAR)
R 122,022.60
Full transfer details
Visit Currencies Direct
R 3,075 better than a typical bank*

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Personal account manager
Multi-currency card
Receive to bank account
5
Wise
Recipient gets (ZAR)
R 121,742.21
Full transfer details
Visit Wise
R 2,795 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
6
OFX
Recipient gets (ZAR)
R 121,696.40
Full transfer details
Visit OFX
R 2,749 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
7
CurrencyFair
Recipient gets (ZAR)
R 121,656.00
Full transfer details
Visit CurrencyFair
R 2,708 better than a typical bank*

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Personal account manager
Multi-currency card
Receive to bank account
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
8
Xe
Recipient gets (ZAR)
R 121,422.00
Full transfer details
Visit Xe
R 2,474 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
9
Remitly
Recipient gets (ZAR)
R 120,050.00
Full transfer details
Visit Remitly
R 1,102 better than a typical bank*

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Revolut
Recipient gets (ZAR)
R 122,013.95
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • Barclays
    Barclays
    Recipient gets (ZAR)
    R 118,593.96
    Not recommended
  • PayPal
    PayPal
    Recipient gets (ZAR)
    R 112,894.72
    Not recommended
Sponsored
Wise
Recipient gets (ZAR)
R 121,742.21
Full transfer details
Visit Wise
R 2,795 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (ZAR)
R 121,422.00
Full transfer details
Visit Xe
R 2,474 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
How effectively does your finance team manage international cash flow?

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Why not take our free FX health check test to see how effective your business is in managing these. It only takes a couple of minutes.

Overall best option: Wise

Wise is our recommended company for sending money to South Africa from USD.

Of the 16 companies that support USD to ZAR, Wise offered the best combination of cost and speed.

Sending 7,000 USD to ZAR will cost you $52.83 in fees, and you will receive 121,742.21 ZAR. The delivery time usually is within a week, but can be longer depending when you make the transfer.

So for a great mix of cost, speed & features, send US Dollars to South Africa using Wise.

Wise is the top rated company for sending money from United States (USD) to South Africa (ZAR) - Wise Screenshot

Compare for the best deal on your United States to South Africa transfer

Summary of recent searches

Top rated for transfers from United States to South Africa
Wise
Total number of US - ZA providers
16
Average cheapest fees & rate
Key Currency
Average fastest transfer
Currencyflow
Average transfer time
Within minutes
Best for bank transfers
Key Currency
Best for debit card
Xe

Transfer consider from United States to South Africa

1
Compare available providers

A comparison of providers offering services between the United States and South Africa is paramount. Based on your specific transfer amount, the best way to send money to South Africa could change. Comparing ensures the best price for your needs.

For services allowing you to send US Dollar to South Africa we've compared 16 providers.

This coverage of the market ensure you will get the best options for your transfer to South Africa from the United States.

Overall, we rated Wise as the best, but remember comparing for your specific transfer gives you a comprehensive view of all the options for transferring money from the United States to South Africa.

2
Getting the best US Dollar-Rand exchange rate
3
Choose the right payment method
4
Financial regulators
5
Consider transfer limits
6
Consider how the money will be received
7
Have your ID ready
8
Tax declarations in South Africa

Cheapest way to send money to South Africa from the United States: Key Currency

Key Currency offers the cheapest combination of low fees and competitive exchange rates of the 16 providers we compared.

They offer a fee of 0 USD and exchange rate between USD-ZAR that is 0.25% different to the mid-market rate.

In comparison, Key Currency is 0.01% cheaper than the second-best option.

To secure affordable and great rates on a USD to South Africa transfer, Key Currency is our recommended choice.

Key Currency is the cheapest way to send money from United States (USD) to South Africa (ZAR) - Key Currency Screenshot

Fastest way to send money to South Africa from the United States: Currencyflow

We compared 16 companies and found Currencyflow offers the fastest money transfers between the United States and South Africa.

The transfer time is minutes - 24 hours with Currencyflow for a $7,000 transfer, but it will depend on the time, day of the week, and the amount you send.

A USD-Rand transfer through Currencyflow comes with a 0 USD fee (based on a $7,000 transfer).

To ensure Currencyflow was the 'fastest' option we compared 16 providers. This comparison was for overall speed of sending money from the United States to South Africa and is a combination of depositing US Dollar, transfer times to South Africa and withdrawal timeframes where applicable.

When speed is a priority, Currencyflow is the top choice for sending into South Africa from the United States.

Currencyflow is the fastest way to send money from United States (USD) to South Africa (ZAR) - Currencyflow Screenshot

Need to make a large transfer?

For big transfers between the United States and South Africa, competitive pricing & strong customer service are key.

Wise is the best option for large transfers of the
16 providers compared.

While Wise may not always be the cheapest or fastest way to send USD from the United States to South Africa, it's a great provider for larger transfers for things like buying or selling property.

Understanding the cost of transferring money from United States to South Africa

The total cost of money transfers from United States to South Africa is a combination of fees and exchange rates. Get the best of both, and you will be getting a good deal.

The Mid-Market and Exchange Rates: The mid-market rate for USD-ZAR is currently 17.6054 ZAR per US Dollar. Providers offering services closer to this rate will ensure more Rand for your US Dollars.

  • To give a historic average, over the last 7 days the USD-ZAR mid-market rate has been 17.7014 ZAR per US Dollar, this has had a high of 17.8775 and a low of 17.518.

  • From the 16 companies compared, Wise offers the best exchange rate on transfers to South Africa and the United States.

  • Generally, the exchange rate you receive on converting USD to ZAR will be the biggest factor impacting the cost of sending US Dollars to South Africa.

Fees: Transfer fees are charged alongside a transfer. The company offering the lowest fee is Key Currency, just 0 USD per transfer. In all cases, we recommend searching for your exact send amount as fees may change.

Amount Received: Money transfer companies will show you the amount eventually received in Rand. Simply, the higher the amount received in the United States, the lower the cost of sending from South Africa.

Finding the best exchange rate for US Dollar to Rand

Timing is essential for sending money between USD and ZAR. The exchange rate you secure impacts how much ZAR you get for your USD.

Mid-market Rate
1 
=
17.605410 
ZAR

Over the last week, here’s what we’ve seen:

  • The exchange rate from USD to ZAR averaged 17.7014 ZAR.

  • The highest value recorded was 17.8775 ZAR, while the lowest was 17.518 ZAR.

  • There are currently 16 providers offering transfers between the United States and South Africa close to this rate

Want to secure the best USD-Rand exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from United States to South Africa!

United States to
South Africa money transfer payment methods

  • Bank transfers

    Bank transfers are often the best payment method for money transfers from the United States to South Africa.

    A money transfer company like Key Currency offer bank transfers between the United States and South Africa with lower fees and better exchange rates than you would get from a traditional bank. 


    On average, Key Currency is the cheapest provider for bank transfers of the 16 we tested when sending USD to South Africa.

    Key Currency has a fee of 0 USD for money transfersfrom the United States to South Africa. Overall, they offer a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from the United States to South Africa with a debit or a prepaid card is very simple with Xe.


    Xe is a leader in debit card payments for transfers from the United States to South Africa, competing among a total of 16 active money transfer companies on this route.

  • Credit cards


    We recommend avoiding credit cards where possible due to a lack of support and high fees.

    If you have to use a credit card, we recommend comparing your options to find the company with the lowest fees.

    Fee alert: using a credit card to transfer money can result in a fee being charged by your card issuer as it is considered as a cash advance. That's why we recommend bank transfer or debit card instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between South Africa and United States.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from United States to South Africa.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send USD to ZAR.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

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Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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