How to send money to South Africa from Malawi with the best MWK-ZAR rate

Find the best deals when you transfer from Malawi to South Africa. Get insights on the fastest, cheapest, and providers with the best MWK to ZAR exchange rates.

Read on to get the best value, expert information, and analysis on ways to send money to South Africa from Malawi.

Transferring the other way? Send ZAR from South Africa to Malawi instead.
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November 14th, 2025

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Best money transfer companies

Send money from Malawi to South Africa

Last updated: Today
Mid-market rate as of 11/14/2025: 1 MWK = 0.009811 ZAR
Results below are based on a 440000 MWK search
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0 of 3 providers
Send cash via a Western Union agent
1
Western Union Agent
Recipient gets (ZAR)
R 4,100.97
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 (ZAR)
R 4,100.97
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 (ZAR)
R 4,057.79
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 Malawi to South Africa

While you can’t send MWK to ZAR 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%
How effectively does your finance team manage international cash flow?

In our experience, there are always efficiencies to be made in how businesses manage international payments in and out.

Why not take our free FX health check test to see how effective your business is in managing these. It only takes a couple of minutes.

The best way to send money from Malawi to South Africa is using PayPal P2P transfer service.

With P2P transfers, if you and your recipient both have the PayPal app, you can send money between them.

You will initiate the transfer in MWK and your recipient will receive the ZAR into their PayPal account.

The downside of this, is that PayPal charges higher fees and the withdrawal options can be limited depending.

Screenshot

Compare for the best deal on your Malawi to South Africa transfer

Summary of recent searches

Top rated for transfers from Malawi to South Africa
Western Union Agent
Total number of MW - ZA 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

Transfer consider from Malawi to South Africa

1

Compare available providers

A comparison of providers offering services between Malawi and South Africa is paramount. Based on your specific transfer amount, the best way to send money to South Africa could change. Comparing ensures the best price for your needs.

For services allowing you to send Kwacha to South Africa we've compared 3 providers.

This coverage of the market ensure you will get the best options for your transfer to South Africa from Malawi.

Overall, we rated Western Union Agent as the best, but remember comparing for your specific transfer gives you a comprehensive view of all the options for transferring money from Malawi to South Africa.

2

Getting the best Kwacha-Rand exchange rate

3

Choose the right payment method

4

Financial regulators

5

Consider transfer limits

6

Consider how the money will be received

7

Have your ID ready

8

Tax declarations in South Africa

The cheapest way to send money to South Africa from Malawi is using Western Union cash transfer service.

While online transfers are usually cheaper, there are very few providers offering MWK to ZAR transfers, making cash transfer through a Western Union Agent the most practical and affordable option available.

The overall cost of your transfer includes both the transfer fee (around 3 MWK per 440,000 MWK) and the exchange rate markup applied by Western Union.

These costs can vary depending on the branch location, payment method, and the amount you’re sending, so it’s always worth checking with your branch before making a transfer.

Fastest way to send money to South Africa from Malawi : MoneyGram cash pickup

When speed is your priority, the quickest way to transfer money from Malawi to South Africa is through a MoneyGram cash transfer.

In most cases, funds are available for pickup within minutes, allowing your recipient to collect ZAR almost instantly. Sometimes it can take a day or two, depending on the deposit method, branch, and the amount.

Given the limited online options for MWK to ZAR transfers, using MoneyGram’s cash pickup service remains the fastest and most dependable choice.

Need to make a large transfer?

For big transfers between Malawi and South Africa, competitive pricing & strong customer service are key.

Western Union Agent is the best option for large transfers of the
3 providers compared.

While Western Union Agent may not always be the cheapest or fastest way to send MWK from Malawi to South Africa, it's a great provider for larger transfers for things like buying or selling property.

Understanding the cost of sending money from Malawi to South Africa

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

The Mid-Market and Exchange Rates: Finding a provider as close to mid-market rate as possible will ensure more Rand for your Kwacha. The current MWK-ZAR mid-market rate is 0.0098 ZAR per Kwacha.

  • This rate changes regularly so it can pay to track it. For comparison, the MWK-ZAR mid-market rate for the past 7 days has averaged 0.0098 ZAR per Kwacha, with a low of 0.0098 and a high of 0.0098.

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

  • Often the MWK-ZAR exchange rate you pay is the biggest cost factor when transferring Kwachas to South Africa.

Fees: Money transfer fees are charged on top the exchange rate and can be set, or a percentage of the total amount of Kwacha you’re sending to South Africa. Western Union Agent currently has the lowest fees for transfers into ZAR of just 3 MWK. We always recommend searching for your exact send amount for an exact fee.

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

Finding the best exchange rate for Kwacha to Rand

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

Mid-market Rate
1 
MWK
=
0.009838 
ZAR

Over the last week, here’s what we’ve seen:

  • The exchange rate from MWK to ZAR averaged 0.0098 ZAR.

  • The highest value recorded was 0.0098 ZAR, while the lowest was 0.0098 ZAR.

  • There are currently 3 providers offering transfers between Malawi and South Africa close to this rate

Want to secure the best MWK-Rand exchange rates?

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

Paying for your Malawi to
South Africa money transfer

  • Bank transfers

    A bank transfer is often the default option for money transfers from Malawi to South Africa.

    By using a money transfer company such as Western Union Agent to send money from Malawi to South Africa, you can while benefit from lower fees and more favorable exchange rates than a bank would offer. 


    On average, Western Union Agent is the cheapest money transfer provider for bank transfers from the 3 we tested when sending MWK to South Africa.

    With a fee of MWK3 to send money from Malawi to South Africa, Western Union Agent offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from Malawi to South Africa with a prepaid or debit card is very easy with Western Union Agent.


    Western Union Agent is a great choice for sending money with a debit card from Malawi to South Africa. This is from the 3 money transfer companies compared.

  • Credit cards

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

    Be careful of fees: using a credit card to transfer money internationally often results in a fee being charged by your card issuer. 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 South Africa and Malawi.


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 Malawi to South Africa.


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


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 Malawi to South Africa?
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Can I send money from Malawi to South Africa with MoneyTransfers.com?
What are the typical transfer fees for sending Kwachas to South Africa through various providers?
How long does it take to send money from Malawi to South Africa?
What is the best exchange rate I can get for sending money from Malawi to South Africa?
Are there any minimum or maximum transfer amounts for sending money from Malawi to South Africa?
Can I schedule regular transfers between Malawi and South Africa?

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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