Best companies for AUD/ZAR transfers
13 of 13 providers Last updated on 26 October 2026
Based on 2,000 AUD transfer Best companies for AUD/ZAR transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $13.50 1 AUD = 11.6762 ZAR 0.00% vs mid-market	Recipient gets R 23,194.77 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in South Africa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $13.501 AUD = 11.6762 ZAR R 23,194.77You pay$2,000.00
Ad Xe Pay via Debit Card	Fees: $0.00 1 AUD = 11.6174 ZAR +0.50% vs mid-market	Recipient gets R 23,234.70 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in South Africa with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 11.6174 ZAR R 23,234.70You pay$2,000.00
Run a live search Showing top Australia to South Africa deals for 2,000 AUD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live AUD to ZAR rates.
Run a live search These companies offer multi-currency accounts for spending ZAR. We suggest doing a live search based on how much AUD you're planning to spend in South Africa.
Run a live search These are managed services with real human support for large AUD transfers. Click the link and update the transfer amount to get the best deal.
Western Union Pay via Debit Card	Fees: $0.00 1 AUD = 11.6685 ZAR +0.06% vs mid-market	Recipient gets R 23,337.05 Next Day
8 reviews Cheapest Receive to bank account or cash pickup
Ways to receive money in South Africa with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 11.6685 ZAR R 23,337.05You pay$2,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 AUD = 11.6685 ZAR +0.06% vs mid-market	Recipient gets R 23,337.05 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in South Africa with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 11.6685 ZAR R 23,337.05You pay$2,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 AUD = 11.6600 ZAR +0.14% vs mid-market	Recipient gets R 23,320.00 Within a week
15 reviews Receive to bank account or cash pickup
Ways to receive money in South Africa with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 AUD = 11.6600 ZAR R 23,320.00You pay$2,000.00 Cash pickupWithin a week Free1 AUD = 11.6600 ZAR R 23,320.00You pay$2,000.00

Remitly Pay via Credit Card	Fees: $0.00 1 AUD = 11.6600 ZAR +0.14% vs mid-market	Recipient gets R 23,320.00 Within a week
15 reviews Receive to bank account or cash pickup
Ways to receive money in South Africa with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 AUD = 11.6600 ZAR R 23,320.00You pay$2,000.00 Cash pickupWithin a week Free1 AUD = 11.6600 ZAR R 23,320.00You pay$2,000.00
Remitly Pay via PayTo	Fees: $0.00 1 AUD = 11.6600 ZAR +0.14% vs mid-market	Recipient gets R 23,320.00 Within a week
15 reviews Receive to bank account or cash pickup
Ways to receive money in South Africa with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 AUD = 11.6600 ZAR R 23,320.00You pay$2,000.00 Cash pickupWithin a week Free1 AUD = 11.6600 ZAR R 23,320.00You pay$2,000.00
Africhange Pay via Bank Transfer	Fees: $1.10 1 AUD = 11.6481 ZAR +0.24% vs mid-market	Recipient gets R 23,296.18 Minutes
0 reviews Receive to bank account or debit card
Ways to receive money in South Africa with Africhange when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes $1.101 AUD = 11.6481 ZAR R 23,296.18You pay$2,001.10
Xe Pay via Debit Card	Fees: $0.00 1 AUD = 11.6174 ZAR +0.50% vs mid-market	Recipient gets R 23,234.70 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in South Africa with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 11.6174 ZAR R 23,234.70You pay$2,000.00

Xe Pay via Bank Transfer	Fees: $0.00 1 AUD = 11.6174 ZAR +0.50% vs mid-market	Recipient gets R 23,234.70 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in South Africa with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 11.6174 ZAR R 23,234.70You pay$2,000.00
Xe Pay via Credit Card	Fees: $0.00 1 AUD = 11.6174 ZAR +0.50% vs mid-market	Recipient gets R 23,234.70 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in South Africa with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 11.6174 ZAR R 23,234.70You pay$2,000.00
Currencies Direct Pay via Bank Transfer	Fees: $0.00 1 AUD = 11.6023 ZAR +0.63% vs mid-market	Recipient gets R 23,204.60 6-12 Hours
3 reviews Receive to bank account
Ways to receive money in South Africa with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 11.6023 ZAR R 23,204.60You pay$2,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank Transfer	Fees: $4.90 1 AUD = 11.6292 ZAR +0.40% vs mid-market	Recipient gets R 23,201.39 Within minutes
10 reviews Fastest Receive to bank account
Ways to receive money in South Africa with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $4.901 AUD = 11.6292 ZAR R 23,201.39You pay$2,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
OFX Pay via Bank Transfer	Fees: $0.00 1 AUD = 11.6000 ZAR +0.65% vs mid-market	Recipient gets R 23,199.91 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in South Africa with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 11.6000 ZAR R 23,199.91You pay$2,000.00
Wise Pay via Bank Transfer	Fees: $13.50 1 AUD = 11.6762 ZAR 0.00% vs mid-market	Recipient gets R 23,194.77 Same day
25 reviews Recommended Receive to bank accountDedicated support for large transfers
Ways to receive money in South Africa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $13.501 AUD = 11.6762 ZAR R 23,194.77You pay$2,000.00

Wise Pay via Osko	Fees: $13.50 1 AUD = 11.6762 ZAR 0.00% vs mid-market	Recipient gets R 23,194.77 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in South Africa with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $13.501 AUD = 11.6762 ZAR R 23,194.77You pay$2,000.00
Wise Pay via Debit Card	Fees: $19.02 1 AUD = 11.6762 ZAR 0.00% vs mid-market	Recipient gets R 23,130.32 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in South Africa with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $19.021 AUD = 11.6762 ZAR R 23,130.32You pay$2,000.00
TapTap Send Pay via Debit Card	Fees: $0.00 1 AUD = 11.5300 ZAR +1.26% vs mid-market	Recipient gets R 23,060.00 Minutes
0 reviews Receive to bank account
Ways to receive money in South Africa with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 AUD = 11.5300 ZAR R 23,060.00You pay$2,000.00
OrbitRemit Pay via Bank Transfer	Fees: $0.00 1 AUD = 11.5114 ZAR +1.42% vs mid-market	Recipient gets R 23,022.72 2 Days
0 reviews
Ways to receive money in South Africa with OrbitRemit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 11.5114 ZAR R 23,022.72You pay$2,000.00
Wise Pay via Credit Card	Fees: $32.49 1 AUD = 11.6762 ZAR 0.00% vs mid-market	Recipient gets R 22,973.04 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in South Africa with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $32.491 AUD = 11.6762 ZAR R 22,973.04You pay$2,000.00
Moneycorp Pay via Bank Transfer	Fees: $0.00 1 AUD = 11.4657 ZAR +1.80% vs mid-market	Recipient gets R 22,931.36 Next Day
0 reviews
Ways to receive money in South Africa with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 11.4657 ZAR R 22,931.36You pay$2,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $2.99 1 AUD = 11.4100 ZAR +2.30% vs mid-market	Recipient gets R 22,820.00 6-12 Hours
2 reviews
Ways to receive money in South Africa with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 11.4100 ZAR R 22,820.00You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 11.4100 ZAR R 22,820.00You pay$2,003.99

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $2.99 1 AUD = 11.4100 ZAR +2.30% vs mid-market	Recipient gets R 22,820.00 6-12 Hours
2 reviews
Ways to receive money in South Africa with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 11.4100 ZAR R 22,820.00You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 11.4100 ZAR R 22,820.00You pay$2,003.99
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $2.99 1 AUD = 11.4100 ZAR +2.30% vs mid-market	Recipient gets R 22,820.00 6-12 Hours
2 reviews
Ways to receive money in South Africa with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 11.4100 ZAR R 22,820.00You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 11.4100 ZAR R 22,820.00You pay$2,003.99
NAB Pay via Bank Transfer	Fees: $0.00 1 AUD = 11.3860 ZAR +2.51% vs mid-market	Recipient gets R 22,771.92 3-5 Days
0 reviews
Ways to receive money in South Africa with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 11.3860 ZAR R 22,771.92You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 11.6758 ZAR Updates every 60 minutes.

Why compare

AUD/ZAR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Australia to South Africa

Pick a company

Start with the cheapest, which is Western Union at 23,337.05 ZAR on $2,000.

Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.

Fund your transfer

You have 6 ways to pay, including bank transfer, debit card, credit card, payto, osko, and poli.

PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.

Watch your bank's daily limit on anything large.

Verify and send

First time round you'll need a photo ID, usually a licence or a passport.

A passport and visa are enough if you’re new (you don’t need an Australian credit history).

Compare amounts

How much AUD are you sending to South Africa?

How much AUD you send to South Africa heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.


$1,000	-0.67%	$0.00	R 11,750.00with debit card to bank deposit	+R 223.54
$1,500	-0.44%	$0.00	R 17,590.30with debit card to bank deposit	+R 246.26
$2,000This page	0.06%	$0.00	R 23,337.05with debit card to bank deposit	+R 207.52
$3,000	0.07%	$0.00	R 35,005.58with debit card to bank deposit	+R 335.96
$7,500	0.10%	$0.00	R 87,513.95with debit card to bank deposit	+R 785.70
$12,000	0.25%	$0.00	R 139,812.99with bank transfer to bank deposit	+R 1,017.39
$15,000	0.25%	$0.00	R 174,742.28with bank transfer to bank deposit	+R 1,160.60
$50,000	0.20%	$0.00	R 582,492.43with bank transfer to bank deposit	+R 3,852.86
$100,000	0.20%	$0.00	R 1,165,692.24with bank transfer to bank deposit	+R 7,931.18
$250,000	0.15%	$0.00	R 2,915,690.64with bank transfer to bank deposit	+R 20,823.40
$500,000	0.15%	$0.00	R 5,831,614.44with bank transfer to bank deposit	+R 23,599.14

Mid-market rate: 1 AUD = 11.6758 ZAR

Ways to send money from Australia to South Africa

13 money transfer companies let you send money from Australia to South Africa.

Cheapest for most transfers

Online transfers

Sending money online with a “self-service” provider is usually the cheapest way to send money to South Africa.

For example, sending $500 with Western Union will get you 23,337.05 ZAR after a $0 fee and 0.06% markup.

To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.

Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.

For regular transfers home

Money transfer apps

An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.

Western Union takes $0 in fees and 0.06% markup on a $0 transfer, and your ZAR arrives in next day.

Signing up is quick even if you're new to Australia.

A passport and visa are enough for most money transfer apps, and no local credit history is needed.

For large AUD transfers

Currency brokers

Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.

On transfers of $10,000 or more, a broker like Xe drops the fee entirely and works on margin instead.

With Xe you get 0.5% on AUD/ZAR, and it gets lower the more you send.

You also get an account manager for the whole thing.

For overseas business payments

Business accounts

Global accounts like Airwallex are great for paying suppliers, contractors or staff in ZAR, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

Multi-currency accounts let you hold AUD and ZAR in one account, and convert when the rate suits you.

Currencies Direct converts $2,000 at 0.63% markup, and the ZAR sits in your account until you spend or transfer it.

Most useful if you travel often to South Africa, split your life between two countries, or receive money from abroad.

We also created a guide going into more detail about multi currency accounts.

Compare first

Banks

The big four have dropped most transfer fees, which makes bank transfer from your bank look cheap.

However, the cost is moved into the exchange rate instead.

On a $2,000 transfer, a bank like NAB adds 2.51% markup and delivers 22,771.92 ZAR, against 23,337.05 ZAR via Western Union (the cheapest option).

Ways to fund AUD and receive money in South Africa

With Western Union, paying by debit card and receiving through a bank deposit is the cheapest combination. Sending $2,000 gives your recipient 23,337.05 ZAR.

You can fund the transfer with bank transfer, debit card, credit card, payto, osko, and poli.

Recipients in the South Africa can collect ZAR through bank deposit and cash pickup.

They can collect cash via Western Union

For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in the South Africa.

1

Debit card Bank deposit

You pay $2,000.00

R23,337

Cheapest
2

Bank transfer Bank deposit

You pay $2,000.00

R23,337

R0
3

Debit card Cash pickup

You pay $2,000.00

R23,320

-R17
4

Credit card Bank deposit

You pay $2,000.00

R23,320

-R17
5

Credit card Cash pickup

You pay $2,000.00

R23,320

-R17

Show moreShow less

6

Payto Bank deposit

You pay $2,000.00

R23,320

-R17
7

Payto Cash pickup

You pay $2,000.00

R23,320

-R17
8

Osko Bank deposit

You pay $2,000.00

R23,195

-R142
9

Poli Bank deposit

You pay $2,002.99

R22,820

-R517
10

Poli Cash pickup

You pay $2,003.99

R22,820

-R517

Consider this before sending AUD to India

Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.

Compare AUD/INR transfer options

For an $2,000 transfer to South Africa, these are the best options right now:

Cheapest

Western Union is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 23,337.05 ZAR, which is 0.07% more than the next best option.

Fastest

Revolut delivers 23,201.39 ZAR in within minutes when you use bank transfer and choose bank deposit as payout.

If you need money urgently, we've put together a guide on instant money transfers.

PayID is domestic only

PayID and Osko move Australian dollars between local accounts.

When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in South Africa.

Confirm the registered business name shown by your bank before approving the PayID payment.

AUSTRAC reporting

The bank or remittance company reports international transfer instructions to AUSTRAC.

This applies to international transfers generally, rather than only those above A$10,000.

You do not normally submit the international transfer report yourself.

A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.

Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.

Cash gifts can affect Centrelink payments

Australia does not generally tax a genuine cash gift simply because you send it to family in South Africa.

Gifting money can still affect income-tested or asset-tested Centrelink payments.

Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.

If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.

Bank protection in Australia

The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.

It does not automatically cover money held by a non-bank transfer company.

In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.

Live AUD-ZAR Exchange Rate

Getting a better AUD to ZAR rate

Small changes in the AUD/ZAR rate can make a noticeable difference to the amount received, especially on a larger transfer.

Mid-market rate:1 AUD = 11.686321 ZAR

How we analyse the market

We track 13 companies sending AUD to South Africa, all holding an Australian licence, with rates refreshed in real time when running a live search.

Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.

More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

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