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How to send money to Spain from South Africa with the best ZAR-EUR rate

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

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

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July 27th, 2025
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South Africa
ZAR
Spain
EUR
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R
Best money transfer companies

Send money from South Africa to Spain

Last updated: Today
Mid-market rate as of 07/27/2025: 1 ZAR = 0.047877 EUR
Results below are based on a 130000 ZAR search
0 of 9 providers
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (EUR)
€6,205.34
Full transfer details
Visit TorFx
€168 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (EUR)
€6,207.21
Full transfer details
Visit Regency FX
€170 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Live Rates
Sort by:
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (EUR)
€6,208.45
Full transfer details
Visit Key Currency
€171 better than a typical bank*

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: Special Rate for 1st Transfer
2
Currencyflow
Recipient gets (EUR)
€6,207.83
Full transfer details
Visit Currencyflow
€171 better than a typical bank*

"Currencyflow is a modern FX broker backed by industry veterans with 30+ years of currency trading experience. Contact the UK-based team for a free quote."

Personal account manager
Multi-currency card
Receive to bank account
Support via email, phone, live chat + WhatsApp
Exclusive: First Transfer Deal
3
Regency FX
Recipient gets (EUR)
€6,207.21
Full transfer details
Visit Regency FX
€170 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Rate match guarantee (T&Cs apply)
4
TorFx
Recipient gets (EUR)
€6,205.34
Full transfer details
Visit TorFx
€168 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
5
CurrencyFair
Recipient gets (EUR)
€6,179.80
Full transfer details
Visit CurrencyFair
€143 better than a typical bank*

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Personal account manager
Multi-currency card
Receive to bank account
6
Currencies Direct
Recipient gets (EUR)
€6,149.00
Full transfer details
Visit Currencies Direct
€112 better than a typical bank*

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Personal account manager
Multi-currency card
Receive to bank account
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • HSBC
    HSBC
    Recipient gets (EUR)
    €6,021.27
    Not recommended
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (EUR)
€6,205.34
Full transfer details
Visit TorFx
€168 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (EUR)
€6,207.21
Full transfer details
Visit Regency FX
€170 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service

Overall top choice: Currencies Direct

Currencies Direct is the best way to transfer Rand into Euro.

Of the 9 money transfer providers we tested and reviewed, Currencies Direct was a standout option for its combination of speed and cost.

Sending 130,000 ZAR to EUR will cost you R0 in fees, and you will receive 6,149 EUR.

When sending money from South Africa to Spain, using Currencies Direct in a great option.

Currencies Direct is the top rated company for sending money from South Africa (ZAR) to Spain (EUR) - Currencies Direct Screenshot 1
Currencies Direct is the top rated company for sending money from South Africa (ZAR) to Spain (EUR) - Currencies Direct Screenshot 2

Getting the best deal on your South Africa to Spain transfer

Summary of recent searches

Top rated for transfers from South Africa to Spain
Currencies Direct
Total number of ZA - ES providers
9
Average cheapest fees & rate
Key Currency
Average fastest transfer
Currencyflow
Average transfer time
Within minutes
Best for bank transfers
Key Currency

Considerations to make sending money from South Africa to Spain easy

1
Compare providers

Comparing the different providers offering services between South Africa and Spain, is the best way to send money with confidence.

The 9 providers we've compared ensures you will get the best options for your transfer to Spain from South Africa. By taking the time to compare you can save yourself in the region of 3% of the total transfer amount.

Whilst we rate Currencies Direct as the best overall, comparing gives you a comprehensive view of all the options for transferring Rand to Spain.

2
Exchange rates between Rand-Euro
3
Choose the right payment method
4
Financial regulation in South Africa and Spain
5
Consider transfer limits
6
Receiving money in Spain
7
Have your ID ready
8
Tax declarations

Cheapest way to send money to Spain from South Africa: Key Currency

Of the 9 providers compared, Key Currency is the cheapest option for sending money today.

The cost is a combination of a fee of 0 ZAR and an exchange rate for converting Rand to Euro that is 0.25% different to the mid-market rate.

We found that Key Currency is 0.01% cheaper than the second-best option.

We would recommend Key Currency for low cost, affordable transfers from Euros to Spain.

Key Currency is the cheapest way to send money from South Africa (ZAR) to Spain (EUR) - Key Currency Screenshot

Fastest way to send money from South Africa to Spain: Currencyflow.

Currencyflow is the quickest way to send Rand to Spain of the 9 companies offering the service.

For example, if you send 130,000 ZAR with Currencyflow to Spain now, the transfer time is minutes - 24 hours. Smaller transfers will likely be quicker, while larger transfers to India can take a bit longer.

Using Currencyflow for fast transfers from South Africa to Spain has a fee of 0 ZAR.

Within our comparison we looked at the 9 money transfer providers offering transfers from South Africa to Spain. Within this we looked at overall speed of sending money from South Africa to Spain after depositing Rand to a money transfer account.

When faster money transfers are a priority, Currencyflow is our recommended choice for sending into Spain from South Africa.

Currencyflow is the fastest way to send money from South Africa (ZAR) to Spain (EUR) - Currencyflow Screenshot

Transfer a large amount of money

To transfer large sums of money from South Africa to Spain, opt for a provider with a competitive exchange rate and hands on management.

Currencies Direct is the strongest option for large transfers of the
9 money transfer companies tested.

Whatever the reason is for the transfer, sending large amounts of money from South Africa to Spain can become expensive through your bank or with the wrong provider.

Our data shows Currencies Direct as the best choice for sending large sums of money to Spain from South Africa.

Understanding the cost of sending money to Spain from South Africa

The cost of sending money from Spain to Spain, is made-up of a combination of fees and exchange rates:

The Mid-Market and Exchange Rates: The mid-market rate determines a mid-price for buying currency. The current mid-market rate from ZAR-EUR is 0.0479 EUR per Rand.

  • Finding a provider offering an exchange as close to 0.0479 as possible will ensure more Euro received when transferring.

  • For context, the ZAR-EUR mid-market rate for the past 7 days has averaged 0.0483 EUR per Rand. This includes a high of 0.0486, and low of 0.0479.

  • Key Currency currently offers the best exchange rate on transfers from South Africa to Spain.

For the most part the ZAR-EUR exchange rate you receive is the biggest factor impacting the cost of sending ZAR to Spain.

Fees: Outside of exchange rates, you may need to pay a fee to send. Key Currency currently offers the lowest fees on transfers to Spain from South Africa. They charge 0 ZAR per transfer.

Although this does include large transfers as well, we recommend searching for your exact send amount for an exact fee.

Amount Received: The amount received in Euro is the amount you started with, minus the amount you paid in the exchange and fees.

The better deal you get on exchanging Rands to EUR, paired with a low fee, means a higher total amount received in Spain.

Getting best exchange rate for transfers between Rand and Euro

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

Mid-market Rate
1 
ZAR
=
0.047919 
EUR

The recent trends between the currencies are:

  • Over the past 7 days, the mid-market rate from ZAR to EUR has moved slightly. On average, it was 0.0483.

  • During this same period,there was a high of 0.0486, and a low of 0.0479.

  • Currencies Direct, which is our recommended service to send money online from South Africa to Spain offers 0.0473 EUR per ZAR which is only 1.21% above the mid-market rate.

Want to secure the best ZAR-Euro 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 Spain!

Payment methods for South Africa to
Spain transfers

  • Bank transfers

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

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


    On average, Key Currency is the cheapest provider for bank transfers from the 9 we tested when sending ZAR to Spain.

    With a fee of ZAR0 to send money from South Africa to Spain, Key Currency 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 Spain is easy with .


    is a market leader in debit card payments for transfers from South Africa to Spain, this is among a total of 9 money transfer companies compared.

  • Credit card transfers

    When it comes to credit card transfers from South Africa to Spain, 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 Spain 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 Spain.


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


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 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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