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How to send money to Belgium from South Africa with the best ZAR-EUR rate

Compare the best ways to send money from South Africa to Belgium. Explore the fastest, cheapest, and most reliable providers with the best ZAR to EUR exchange rates.

Read on for the best deals, expert information, and all you need to send money to Belgium from South Africa.

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July 15th, 2025
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South Africa
ZAR
Belgium
EUR
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R
Best money transfer companies

Send money from South Africa to Belgium

Last updated: Today
Mid-market rate as of 07/15/2025: 1 ZAR = 0.047881 EUR
Results below are based on a 130000 ZAR search
0 of 8 providers
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (EUR)
€6,205.86
Full transfer details
Visit TorFx
€168 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (EUR)
€6,207.72
Full transfer details
Visit Regency FX
€170 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
Live Rates
Sort by:
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (EUR)
€6,208.97
Full transfer details
Visit Key Currency
€171 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 (EUR)
€6,208.35
Full transfer details
Visit Currencyflow
€171 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 (EUR)
€6,207.72
Full transfer details
Visit Regency FX
€170 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
Rate match guarantee (T&Cs apply)
4
TorFx
Recipient gets (EUR)
€6,205.86
Full transfer details
Visit TorFx
€168 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
5
OFX
Recipient gets (EUR)
€6,184.36
Full transfer details
Visit OFX
€147 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
6
Currencies Direct
Recipient gets (EUR)
€6,184.10
Full transfer details
Visit Currencies Direct
€146 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
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.
Lumon
Recipient gets (EUR)
€6,162.28
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • HSBC
    HSBC
    Recipient gets (EUR)
    €6,021.77
    Not recommended
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (EUR)
€6,205.86
Full transfer details
Visit TorFx
€168 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (EUR)
€6,207.72
Full transfer details
Visit Regency FX
€170 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

Overall best way: Currencies Direct

Currencies Direct is our recommended company for transferring Rand to Belgium.

We tested & reviewed 8 transfer providers, and Currencies Direct scored highly.

Sending 130,000 ZAR to EUR will cost you R0 in fees, and you will receive 6,184.1 EUR. The delivery time is minutes - 24 hours, but it depends on the day you make the transfer.

So for a great mix of cost, speed & features, make your South Africa to Belgium transfer using Currencies Direct.

Currencies Direct is the top rated company for sending money from South Africa (ZAR) to Belgium (EUR) - Currencies Direct Screenshot 1
Currencies Direct is the top rated company for sending money from South Africa (ZAR) to Belgium (EUR) - Currencies Direct Screenshot 2

How to compare companies offering money transfers from South Africa to Belgium

Summary of recent searches

Top rated for transfers from South Africa to Belgium
Currencies Direct
Total number of ZA - BE providers
8
Average cheapest fees & rate
Key Currency
Average fastest transfer
Currencyflow
Average transfer time
Within minutes
Best for bank transfers
Key Currency

Considerations to make sending money from South Africa to Belgium easy

1
Compare providers

Comparing the different providers offering services between South Africa and Belgium, is the best way to send money with confidence.

The 8 providers we've compared ensures you will get the best options for your transfer to Belgium from South Africa. By taking the time to compare you can save yourself in the region of 3% of the total transfer amount.

Whilst we rate Currencies Direct as the best overall, comparing gives you a comprehensive view of all the options for transferring Rand to Belgium.

2
Exchange rates between Rand-Euro
3
Choose the right payment method
4
Financial regulation in South Africa and Belgium
5
Consider transfer limits
6
Receiving money in Belgium
7
Have your ID ready
8
Tax declarations

Cheapest way to send money from South Africa to Belgium: Key Currency

We compared 8 money transfer companies and Key Currency offers the cheapest transfer service between South Africa and Belgium.

We found that Key Currency fees were 0 ZAR per transfer, and customers would expect an exchange rate between ZAR-EUR that is 0.25% different to the mid-market rate

Against the others tested, Key Currency is 0.01% cheaper than the second-best option.

To secure a cheap way to transfer ZAR to Belgium, Key Currency is our recommendation.

Key Currency is the cheapest way to send money from South Africa (ZAR) to Belgium (EUR) - Key Currency Screenshot

Fastest way to send money to Belgium from South Africa: Currencyflow.

Of the 8 companies offering South Africa to Belgium, Currencyflow is the quickest: minutes - 24 hours.

Sending money from South Africa to Belgium through Currencyflow has a fee of 0 ZAR.

To find the fastest company, we compared 8 money transfer providers for the overall speed of sending money from South Africa to Belgium. This was made up of depositing Rand to a money transfer account and transfer times to Belgium.

When looking for the fastest money transfer, Currencyflow is our best choice for sending into Belgium from South Africa.

Currencyflow is the fastest way to send money from South Africa (ZAR) to Belgium (EUR) - Currencyflow Screenshot

Send large sums of money abroad with Currencies Direct

Transferring bigger amounts of money to Belgium from South Africa needs a strong exchange rate and effective transfer management.

From the
8 options we compared, Currencies Direct offers the strongest all-round option for large transfers to Belgium from South Africa.

Whatever the reason, sending large sums of money can be expensive if you get a bad exchange rate from Euros to Euro.

As such, we recommend Currencies Direct for large Belgium transfers.

Understanding the costs involved when transferring money to Belgium from South Africa

When calculating the cost of sending money from South Africa to Belgium, a combination of fees and exchange rates ensure the best deal:

The Mid-Market and Exchange Rates: The current ZAR-EUR mid-market rate is 0.0481 EUR per Rand. Finding a provider as close to this number as possible will ensure more Euro for your money.

  • As a comparison, the ZAR-EUR mid-market rate for the past week has averaged 0.0479 EUR per Rand, hitting a high of 0.0482 and a low of 0.0477.

  • Key Currency is currently offering the best exchange rate on transfers between South Africa and Belgium.

  • Often the ZAR-EUR exchange rate you receive will be the biggest factor impacting the cost of sending Rand to Belgium.

Fees: Transfer fees are charged on top of a transfer. Key Currency currently offers the lowest fees of 0 ZAR per transfer (based on R130,000 transfer). Although, we recommend searching for your exact send amount for an exact fee.

Amount Received: The total amount received in Euro is the biggest indicator in the total cost of sending money to South Africa from Belgium. The higher the total amount received in Belgium, the lower the cost of sending from South Africa.

Getting best exchange rate for transfers between Rand and Euro

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

Mid-market Rate
1 
ZAR
=
0.048051 
EUR

The recent trends between the currencies are:

  • Over the past 7 days, the mid-market rate from ZAR to EUR has moved slightly. On average, it was 0.0479.

  • During this same period,there was a high of 0.0482, and a low of 0.0477.

  • Currencies Direct, which is our recommended service to send money online from South Africa to Belgium offers 0.0476 EUR per ZAR which is only 0.59% above the mid-market rate.

Want to secure the best ZAR-Euro exchange rates?

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

South Africa to
Belgium money transfer payment methods

  • Bank transfers

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

    A money transfer company like Key Currency offer bank transfers between South Africa and Belgium 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 8 we tested when sending ZAR to Belgium.

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


  • Debit and prepaid cards

    Sending money from South Africa to Belgium with a debit or a prepaid card is very simple with .


    is a leader in debit card payments for transfers from South Africa to Belgium, competing among a total of 8 active money transfer companies on this route.

  • Credit cards

    Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.

    We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.

    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 Belgium and South Africa.


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 South Africa to Belgium.


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


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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How long does it take to send money from South Africa to Belgium?
What is the best exchange rate I can get for sending money from South Africa to Belgium?
Are there any minimum or maximum transfer amounts for sending money from South Africa to Belgium?
Can I schedule regular transfers between South Africa and Belgium?

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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