/Send money/To Gambia/From South Africa

How to send money to Gambia from South Africa with the best ZAR-GMD rate

Compare the best deals on transfers from South Africa to Gambia. Explore the cheapest, fastest, and most reliable providers with the best ZAR to GMD exchange rates.

Read on for the insights and in-depth analysis, and all you need to send money to Gambia from South Africa.

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November 27th, 2025

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R
Best money transfer companies

Send money from South Africa to Gambia

Last updated: Today
Mid-market rate as of 11/27/2025: 1 ZAR = 4.262082 GMD
Results below are based on a 4300 ZAR search
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0 of 3 providers
Send cash via a Western Union agent
1
Western Union Agent
Recipient gets (GMD)
GMD 17,398.46
Full transfer details

"Western Union agents help you send money from a wide variety of countries. Find a local branch near you to deposit cash and send your funds abroad."

7.7
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send cash via a MoneyGram agent
2
MoneyGram Agent
Recipient gets (GMD)
GMD 17,398.46
Full transfer details

"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."

7.5
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send Money Between PayPal Accounts
3
PayPal App
Recipient gets (GMD)
GMD 17,211.31
Full transfer details

"If you and the person you are sending money to both have PayPal apps, you can quickly and easily send money between each other."

5.4
Personal account manager
Multi-currency card
Receive to bank account or debit card
P2P transfer
Mid-market rate updates every 60 minutes

Alternative for South Africa to Gambia

While you can’t send ZAR to GMD with Wise, you can transfer USD to USD.

"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."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%

The best way to send ZAR to Gambia is through a cash transfer with MoneyGram.

MoneyGram offers broad coverage across South Africa and Gambia, making it a reliable option.

Transfer fees vary depending on the branch and the amount you send, but you can generally expect to pay around 3 ZAR per 4,300 ZAR transferred.

Before sending, check which deposit options are available in your area. In many cases, you can fund your transfer online in ZAR, while the recipient collects GMD in cash at a local branch.

If you’re looking for alternatives, MoneyGram also offers competitive cash pickup services.

Getting the best deal on your South Africa to Gambia transfer

Summary of recent searches

Top rated for transfers from South Africa to Gambia
Western Union Agent
Total number of ZA - GM providers
3
Average cheapest fees & rate
Western Union Agent
Average fastest transfer
PayPal App
Average transfer time
Within minutes
Best for bank transfers
Western Union Agent
Best for debit card
PayPal App
Best for credit card
PayPal App

Sending money from South Africa to Gambia considerations

1

Compare providers

A comparison of providers offering services between South Africa and Gambia is the easiest way to ensure the best deal.

We've compared 3 providers that offer services for sending Rand to Gambia.

This ensures you will get the best options for your transfer to Gambia from South Africa.

Whilst we rate Western Union Agent as the best overall, comparing gives you a comprehensive view of all the options for transferring money from South Africa to Gambia.

2

Get the most from the Rand-Dalasi exchange rate

3

Choose the right payment method

4

Financial regulations in South Africa and Gambia

5

Consider transfer limits

6

How to receive money

7

Have your ID ready

8

Tax declarations

The cheapest way to send money from South Africa to Gambia is a cash transfer via Western Union.

The cheapest way to send money to Gambia from South Africa is via a cash transfer through a Western Union Agent.

While cash transfers are usually more expensive than online options, our analysis of hundreds of money transfer companies shows that very few services currently support ZAR/GMD transfers online.

The total cost of your transfer includes both the transfer fee (around 3 ZAR per 4,300 ZAR) and an exchange rate markup.

Ultimately, the exact price will depend on your location, payment method, and transfer amount.

The cheapest way to to send money to Gambia from South Africa is via PayPal P2P Transfer

The coverage of ZAR/GMD transfer options is very limited, therefore, PayPal’s P2P transfer service is one of the cheaper options you have, along with cash transfer via Western Union and MoneyGram.

With PayPals P2P transfer, the main cost is the conversion between currencies, which can go as high as % on top of the mid market rate, as well as a ZAR transfer fee.

You can also opt to use a cash transfer via MoneyGram or Western Union, which are cheaper in some cases (depending on the amount, deposit method, and your branch).

Screenshot

Send large sums of money abroad with Currencies Direct

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

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

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

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

Understanding the cost of sending money from South Africa to Gambia

Ensuring a strong combination of fees and exchange rates ensures the best deal on money transfers from South Africa to Gambia.

The Mid-Market and Exchange Rates: Finding a provider as close to mid-market rate as possible will ensure more Dalasi for your Rand. The current ZAR-GMD mid-market rate is 4.2523 GMD per Rand.

  • This rate changes regularly so it can pay to track it. For comparison, the ZAR-GMD mid-market rate for the past 7 days has averaged 4.2382 GMD per Rand, with a low of 4.2222 and a high of 4.2628.

  • Western Union Agent is currently offering the best exchange rate from the 3 companies compared.

  • Often the ZAR-GMD exchange rate you pay is the biggest cost factor when transferring Rands to Gambia.

Fees: Money transfer fees are charged on top the exchange rate and can be set, or a percentage of the total amount of Rand you’re sending to Gambia. Western Union Agent currently is the cheapest option for transfers into GMD costing 3 ZAR per transfer. We always recommend searching for your exact send amount for an exact fee.

Amount Received: The amount received in Dalasi is the biggest indicator of the total cost of sending money to Gambia from South Africa. The bigger the amount received in Gambia, the lower the overall cost of sending from South Africa.

How to find the best exchange rate for Rand to Dalasi

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

Mid-market Rate
1 
ZAR
=
4.252313 
GMD

Let's dive into some interesting recent trends.

  • Over the past 7 days, the exchange rate from ZAR to GMD has seen some fluctuation. On average, it stood at 4.2382.

  • During this period, the highest value recorded was 4.2628, while the lowest was 4.2222.

  • Western Union Agent, which is our recommended service to send money online from South Africa to Gambia offers an exchange rate that is only 5% above the mid-market rate.

Want to secure the best ZAR-Dalasi 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 Gambia!

Payment options for South Africa to
Gambia money transfers

  • Bank transfers

    Bank transfers are usually the best and easiest way to send money from South Africa to Gambia.

    By using a money transfer company such as Western Union Agent for transfers from South Africa to Gambia, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates than you would get from a traditional bank.


    Western Union Agent is the cheapest money transfer company for bank transfers from the 3 we compared for transfers from ZAR into Gambia.

    With a fee of 3 ZAR to send money from South Africa to Gambia, Western Union Agent offers a strong combination of competitive exchange rates and lower fees.


  • Debit cards and prepaid options

    Sending money from South Africa to Gambia with a debit or a prepaid card is available through Western Union Agent.


    Western Union Agent is a one of the cheaper options for debit card payments for transfers from South Africa to Gambia. This cost is against a total of 3 money transfer companies offering this option.

  • Credit cards

    When it comes to international credit card transfers from South Africa to Gambia, we recommend comparing your options to get the best deal.

    Be aware of fees: using a credit card to transfer money often results in a fee being charged by your card issuer. Where possible, we recommend a bank transfer or debit card payment.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Gambia 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 Gambia.


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


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

Money transfer company reviews

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

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 the founder and CEO of MoneyTransfers.com, with over 10 years’ experience building consumer products across finance, insurance, and travel. A frequent traveler himself, Luke has hands-on experience testing payment and transfer services globally, giving him a unique perspective on the real-world challenges users face. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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