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Compare ways to send money from South Africa to Nigeria

Find money transfer deals for sending money from South Africa to Nigeria. Compare the cheapest, fastest, and most reliable providers with the best ZAR to NGN exchange rates.

Read on for the best deals, expert information, and easiest ways to send money to Nigeria from South Africa.

Transferring the other way? Send NGN from Nigeria to South Africa instead.
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June 14th, 2025
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Best Money Transfer Companies

Send money from South Africa to Nigeria

Last updated: Today
Mid-market rate as of 06/14/2025: 1 ZAR = 85.94438 NGN
Results below are based on a 130000 ZAR search
0 of 1 providers
Live Rates
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1
WorldRemit
Recipient gets (NGN)
₦10,794,795.00
Full transfer details

"24/7 live chat support provided in six languages. Special first transfer rates available, with airtime topup supported to many countries in Africa, Asia and South America."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Mid-market rate updates every 60 minutes
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • HSBC
    HSBC
    Recipient gets (NGN)
    ₦10,808,822.88
    Not recommended
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Best recommended: WorldRemit

WorldRemit is our top pick for sending Rand to Nigeria.

Of the 1 money transfer providers tested and reviewed, WorldRemit will get you the most NGN (10,794,795) based on our 7-day analysis.

WorldRemit appeared in 100% of South Africa to Nigeria searches, and was the top rated company supporting ZAR to NGN transfers.

WorldRemit is the top rated company for sending money from South Africa (ZAR) to Nigeria (NGN) - WorldRemit Screenshot 1
WorldRemit is the top rated company for sending money from South Africa (ZAR) to Nigeria (NGN) - WorldRemit Screenshot 2

Getting the best deal on your South Africa to Nigeria transfer

Summary of recent searches

Top rated for transfers from South Africa to Nigeria
WorldRemit
Total number of ZA - NG providers
1
Average cheapest fees & rate
WorldRemit
Average fastest transfer
WorldRemit
Average transfer time
Within minutes

Considerations for sending money from South Africa to Nigeria

1
Compare providers

Always compare ways to send money from South Africa to Nigeria to get the best options for fees, speed, and reliability.

Our analysis included 1 providers that operate between South Africa and Nigeria.

Through this, you get a comprehensive view of all the options you have in South Africa when you need to send money to Nigeria.

2
Track the Rand-Naira exchange rate
3
Choose the right payment method
4
Use regulated providers
5
Consider transfer limits
6
How to receive money in Nigeria
7
Have your ID ready
8
Don't forget about taxes

Cheapest way to transfer money from South Africa to Nigeria: WorldRemit

WorldRemit offers the lowest cost transfers between South Africa and Nigeria out of the 1 providers compared.

Our data shows that WorldRemit is 0% cheaper than the second-best option.

The company offers an average fee of 0* ZAR and an average exchange rate between ZAR and NGN that is 3.19% different from the mid-market rate.

For a cheap way to send ZAR to Nigeria, WorldRemit is a great all round choice.

*The most common fee applied to ZAR-NGN by WorldRemit, based on data from the past 7 days.

WorldRemit is the cheapest way to send money from South Africa (ZAR) to Nigeria (NGN) - WorldRemit Screenshot 1
WorldRemit is the cheapest way to send money from South Africa (ZAR) to Nigeria (NGN) - WorldRemit Screenshot 2

Fastest way to send money to Nigeria from South Africa: WorldRemit

We compared 1 companies and found WorldRemit offers the fastest money transfers between South Africa and Nigeria.

Our comparison shows that WorldRemit is the fastest option for sending Rand into Naira 100% of the time.

With WorldRemit, the average transfer time is: minutes - 2 days (based on a 7-day average ).

A ZAR-Naira transfer through WorldRemit comes with an average 0 ZAR fee.

This comparison is based on the overall speed of sending 130,000 ZAR to Nigeria and is a combination of depositing Rand, transfer times to Nigeria and withdrawal timeframes, where applicable.

When speed is a priority, WorldRemit is the top choice for sending into Nigeria from South Africa.

WorldRemit is the fastest way to send money from South Africa (ZAR) to Nigeria (NGN) - WorldRemit Screenshot 1
WorldRemit is the fastest way to send money from South Africa (ZAR) to Nigeria (NGN) - WorldRemit Screenshot 2

Send large sums of money

Transferring bigger amounts of money from South Africa to Nigeria should be done with the exchange rate and management of the service in mind.

WorldRemit offers the strongest all round option for large transfers of the
1 money transfer companies compared.

Whether for business or a property purchase, sending large amounts of money can be expensive if you get a bad exchange rate from Naira to Naira.

As such, opt for WorldRemit for sending large sums of money to Nigeria from South Africa.

Pick the right payment method when sending money to Nigeria from South Africa

When sending money to Nigeria from South Africa, it is important to consider your needs and the payment method you will be using. Some payment methods can be faster but will cost more, while others might have lower fees but get you more NGN.

Below is the data from our search results from the past week. It is based on R130,000 transfer to Nigeria from South Africa.

Overall best way to send money to Nigeria from South Africa

Funding method

Provider

FX Rate & Markup

Transfer Fee

NGN Received

Overall best

WorldRemit (appeared 7 times last week)

83.0369 (3.19% markup)

0

10,794,795 NGN

Bank transfer deposit

(appeared in % of the searches last week)

(% markup)

0 NGN

Debit card deposit

(appeared /7 times in the past 7 days)

(% markup)

0 NGN

Cheapest money transfer companies to send money to Nigeria from South Africa

Funding method

Provider

FX Rate & Markup

Transfer Fee

NGN Received

Overall best

WorldRemit (appeared 7 times last week)

83.0369 (3.19% markup)

0

10,794,795 NGN

Bank transfer deposit

(appeared in % of the searches last week)

(% markup)

0 NGN

Debit card deposit

(appeared /7 times in the past 7 days)

(% markup)

0 NGN

Money transfer companies with the lowest ZAR fees

Funding method

Provider

FX Rate & Markup

Transfer Fee

NGN Received

Overall best

WorldRemit (appeared 7 times last week)

83.0369 (3.19% markup)

0

10,794,795 NGN

Bank transfer deposit

(appeared in % of the searches last week)

(% markup)

0 NGN

Debit card deposit

(appeared /7 times in the past 7 days)

(% markup)

0 NGN

Fastest money transfer companies to send money to Nigeria from South Africa

Funding method

Provider

FX Rate & Markup

Transfer Fee

NGN Received

Overall best

WorldRemit (appeared 7 times last week)

83.0369 (3.19% markup)

0

10,794,795 NGN

Bank transfer deposit

(appeared in % of the searches last week)

(% markup)

0 NGN

Debit card deposit

(appeared /7 times in the past 7 days)

(% markup)

0 NGN

We recommend avoiding the following companies, as they are the most expensive for transfers from South Africa to Nigeria:

  • Overall most expensive option: WorldRemit. It will cost you R0 to send money to Nigeria, and your recipient will get 10,794,795 NGN.

  • Most expensive for bank transfer deposits: . It will cost you R0 to send money to Nigeria, and your recipient will get 0 NGN.

  • Most expensive for debit card deposits: . It will cost you R0 to send money to Nigeria, and your recipient will get 0 NGN.

Understanding the cost of sending money from South Africa to Nigeria

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

The Mid-Market and Exchange Rates: Finding a provider as close to mid-market rate as possible will ensure more Naira for your Rand. The current ZAR-NGN mid-market rate is 86.048 NGN per Rand.

  • This rate changes regularly so it can pay to track it. For comparison, the ZAR-NGN mid-market rate for the past 7 days has averaged 87.0896 NGN per Rand, with a low of 85.933 and a high of 87.978.

  • WorldRemit is currently offering the best exchange rate from the 1 companies compared.

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

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 Nigeria. WorldRemit currently has the lowest fees for transfers into NGN at an average of 0 ZAR over the last week. We always recommend searching for your exact send amount for an exact fee.

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

How to find the best exchange rate for Rand to Naira

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

Mid-market Rate
1 
=
86.047990 
NGN

Let's dive into some interesting recent trends.

  • In the last 7 days, the exchange rate from ZAR to NGN has seen some fluctuation. On average, it stood at 87.0896.

  • During this period, the highest value recorded was 87.978, while the lowest was 85.933.

  • WorldRemit, which is our recommended service to send money online from South Africa to Nigeria offers an exchange rate that is only 3.19% above the mid-market rate.

Want to secure the best ZAR-Naira 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 Nigeria!

Payment methods for South Africa to
Nigeria transfers

  • Bank transfers

    Bank transfers are often the fastest option, and normally the cheapest, for sending money from South Africa to Nigeria.

    By opting for a money transfer company such as for transfers from South Africa to Nigeria, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates. 


    On average, is the cheapest provider for bank transfers from the 1 we tested when sending ZAR to Nigeria.

    With an average fee of ZAR0 to send money from South Africa to Nigeria, offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid card payments

    Using a debit card, or prepaid option, for sending money from South Africa to Nigeria is easy with .


    is a market leader in debit card payments for transfers from South Africa to Nigeria, this is among a total of 1 money transfer companies compared.

  • Credit card transfers

    When it comes to credit card transfers from South Africa to Nigeria, we recommend running a quick comparison to get the best deal as not many companies offer direct credit card deposits.

    Fee alert: credit card money transfers often result in a cash advance fee being charged by your card issuer. We recommend bank transfer or debit card where possible.

How we analyze the market

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


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


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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