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Send money from South Africa to India

South Africa
Live mid-market rate*: 1 ZAR = 4.53198 INR
Top provider

Total Amount Received (INR)

Fees: 100
Rate: 4.44
Debit Card:
Credit Card:
Bank Transfer:

Compare other providers


Total Amount Received (INR)

Fees: 10
Rate: 4.38
Bank Transfer:
3-5 Days
Debit Card:
3-5 Days
Mid-market rate updates every 3 hours

Best ways to send money to India from South Africa

  • 🏅 The overall best way to send ZAR to India: WorldRemit

  • 💲 The cheapest way to send money to India from South Africa: WorldRemit

  • ⏲️ The fastest way to send money to India from South Africa: WorldRemit

  • 🏦 The best way to send money from South Africa to India via a bank transfer: WorldRemit

  • 💳 The best provider for credit card transfers from South Africa to India: WorldRemit

  • 💳 The best provider for debit card transfers from South Africa to India: WorldRemit


India has been the largest recipient of remittances on record since 2008, and in 2020 the country reported a remittances inflow of 83 billion USD. The nation’s official currency is the Indian rupee which translates to silver or coin in Sanskrit. The ISO (International Organization for Standardization) code for Indian rupees is INR 356 and Mahatma Gandhi has featured on banknotes since the trademark series was first introduced by The Reserve Bank of India (RBI) in 1996.

In 2019 India ranked 5th in terms of total Gross Domestic Product and number 11 in total imports, which includes personal remittances. Due to the demand of Indian money transfers, most leading service providers will offer fair exchange rates for ZAR to INR: use our comparison engine to find the best deal for you.

Choosing the best service provider

When considering how to send money India from South Africa there are some key aspects of the transfer to consider.

The cheapest provider we found is WorldRemit at 4.44% Above Mid-Market Rate.

If you’re looking for the best combination of price, speed, and reliability we recommend using WorldRemit when transferring ZAR to INR.

This means that by using WorldRemit for online money transfers to India from South Africa, you are likely to save on transfer fees and benefit from fast speeds - so your recipient will get more money and have it delivered in less time.

Alternatively, if you are unable to access WorldRemit for any reason, our comparison engine has found HSBC and also to be very good options when sending ZAR - INR.

This recommendation was updated one minute ago.

The cheapest way to send money from South Africa to India

In order to avoid high fees, you should consider the cheapest way to send from South Africa to India.

WorldRemit has been determined by our comparison engine to be currently offering you the cheapest rates possible.

Get the Best Rate and Sign Up for Rate Alerts South Africa to India

The fastest way to send money from South Africa to India

When sending money from South Africa to India, speed is one of the biggest factors you need to consider in terms of the service offered by different money transfer providers. Currently, WorldRemit is the fastest way to send ZAR - INR.

What payment methods are available when sending money from South Africa to India?

Most money transfer providers allow you to deposit and send money using various payment methods, but not all providers offer every option. Typically you’ll find the most common methods are bank transfers and card payments, but many providers also accept cash and some will even deliver funds straight to your recipient’s door.

Sending money to India from South Africa using credit card

To avoid high fees you can opt to use an online money transfer provider such as WorldRemit to pay for your transfer to India.

Sending money to India from South Africa using a debit card

With WorldRemit you can send money online to India using your debit card. But before making a payment, make sure you understand all the processing fees in place.

Using a wire transfer to send money from South Africa to India

Bank and wire transfers are the most common ways of sending money India as they are secure, reliable, and convenient. However, they often come with the slowest delivery times in case speed is an important factor for you. You can use WorldRemit to send money using a bank or wire transfer at a great rate as long as you’re happy for your transfer to take 1-2 days.

If you want to make an international transfer using wire transfer, you will need to know the SWIFT/BIC code of your recipient in India. If you're unsure what it is, check out our SWIFT calculator to figure out the correct SWIFT code in India.

When sending money to India from South Africa using bank account transfer you are paying for the outgoing fees, flat fees, currency exchange rate markup, and sometimes an additional incoming transfer fee.

On the other hand, you usually only pay a sender fee and a small exchange rate markup when using online money transfer services such as WorldRemit, HSBC and .

Considerations for a ZAR - INR Currency Transfer

Before sending money to India from South Africa, you should consider the following:

  1. The amount you want to transfer: It is likely that the more money you send to India the more value you will get and more INR the recipient will receive. This is because any flat fee charged ends up as a smaller percentage of your transfer amount, and also because many providers allow you to negotiate a better exchange rate margin if sending large amounts.

  2. The ZAR - INR exchange rate margin: Money transfer providers charge a small percentage on top of the mid-market exchange rates in order to generate revenue. Current mid market rate is 4.53198 and the lowest exchange rate margin is currently offered by WorldRemit at 4.44% above the mid market rate.

  3. Hidden fees & charges: Before sending money to India, make sure the provider you are using doesn’t charge any hidden fees. Our reviews of the top ranked providers WorldRemit, HSBC and undefined will give insight here.

How to send money from South Africa to India at the best rate?

This one’s easy. Simply use our comparison table above to find the best provider to send ZAR to INR. After that it’s just a process of making your transfer via the following steps:

  1. Click “Visit Site” inside our comparison table

  2. Register for an account if required

  3. Input how much you are willing to send

  4. Fund your transfer

  5. Receive & save an email confirming your transfer

How to receive transfers from ZAR to INR in India?

Your recipient has a few methods available to receive your money in India. These will vary between providers, but it is possible to find services that will:

  • Deposit INR directly into a bank account

  • Enable the recipient to pick up cash a specific locations across India

  • Deliver money directly to their door

  • Send INR to your recipient’s mobile wallet

If your recipient is going to collect or have the money delivered to them in India, then they will usually need the following:

  • A government issued I.D document such as passport, Aadhaar card or Electoral Photo Identity Card (EPIC)

  • The money transfer reference number

  • Senders details and the amount of money sent

How much money can be transferred from South Africa to India?

The amount of INR you can receive from South Africa will largely depend on the money transfer service you are using. There are providers that specialise in smaller remittance payments, and providers who specialise in larger transfers.

You should also check if there are any government regulations pertaining to the amount of INR that can be received in India or sent from South Africa before making your transfer.

About Money Transfers to India from South Africa

We’ve compared the best money transfer providers to send money from South Africa to India. The cheapest provider for ZAR to INR transfers is WorldRemit, while the fastest is WorldRemit.

💰 Most transferred amount1000INR +
💸 Cheapest provider (on average)WorldRemit
⚡ ️Fastest transfer timeIn minutes with WorldRemit
💱 Currency Transfer PairZAR - INR
📈 ZAR - INR mid market rate4.53198
💳 Pay-in options in South AfricaBank transfer from South Africa with WorldRemit, Debit card with WorldRemit, Credit card with WorldRemit
💵 Pay-out options in IndiaBank accounts in India, Debit card
🏆 Top 3 ZAR - INR providersWorldRemit, HSBC and

Frequently Asked Questions

What is an IFSC and will I need one to send money from South Africa to India?
What is an FIRC code and will I need one to send money from South Africa to India?
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