Compare all the best ways to send money to Swaziland

The exchange rate plays a key role in determining how much SZL your recipient in SZ will get.

For example, in the past month average rate for USD to SZL was 18.0538 SZL.

Since USD-SZL exchange rates fluctuate with market conditions, waiting a couple of days could result in a better rate, giving your recipient more SZL.

If you need to make an urgent transfer, we recommend using Wise, which has consistently offered the best rates for Lilangeni over the past six months.

The most cost-effective way to fund your transfer to Swaziland is through a Bank transfer with MoneyGram, which is % cheaper than the second-best service.

The way you fund your transfer to Swaziland impacts the cost, speed, and how much SZL the recipient will receive.

Based on our data from the last six months for a $2,000 transfer from the US to Swaziland, the following are your best options:

• MoneyGram with bank transfer deposit costs $0.2 and has a 2% markup.

• Wise with a debit card deposit costs $17.88 with 0.39% markup.

• with a credit card deposit costs $0 with % added to the SZL exchange rate.

We advise against using Debit card, as they tend to be the most expensive option for SZL transfers.

Credit card transfers may incur cash advance fees and higher interest rates on SZL.

CC deposits also tend to be more expensive. For example, charges $0 for credit card deposits, while a bank transfer via MoneyGram costs $0.2.

Whenever possible, avoid transfers via the SWIFT network to SZ. SWIFT transfers to Swaziland are slower and come with higher fees.

Instead, look for a cheaper option such as ACH or account balance.

Money transfer companies often have min and max limits on how much SZL you can send.

The amount you transfer can also affect the fees and the SZL exchange rate you receive. For instance, Wise is the best choice for sending large amounts to Swaziland.

Additionally, there may be government-imposed restrictions, commercial limitations, and other factors that influence the amount of SZL you can send.

This is why it’s really important to compare your options when transferring money to Swaziland.

The speed of sending Lilangeni to Swaziland depends on factors like the amount, timing, deposit, and withdrawal method chosen. Typically, faster transfers come with higher fees.

For example, based on a $2,000 transfer to Swaziland:

Use Ria Money Transfer for fastest transfers

Of the 6 companies offering SZL transfers, Ria Money Transfer consistently offers the fastest delivery times across all deposit methods, appearing 5 times in our searches over the past 6 months.

For bank account & card deposits use Ria Money Transfer

Ria Money Transfer offers fast and affordable Lilangeni transfers, with fees of around $4 for bank deposits and $Wise for debit card deposits, plus a small 2.8% markup on top of the SZL rate.

For credit card transfers use

Based on our six-month search data, takes up to one day to send SZL via credit card, with a fee of $0 and % markup.

For urgent transfers use cash transfer

If you need money urgently, we recommend cash pickup services through providers like Western Union or MoneyGram.

Avoid the SWIFT network

Avoid using SWIFT transfers for SZL transfers. Due to intermediary banks on the way to Swaziland, SWIFT is slower and comes with higher fees.

There are a few different ways to move money to Swaziland:

Money transfer services

You can transfer money online using an FX broker (managed service) such as OFX or an online-only company (self-managed) such as Wise.

Based on our six-month analysis, Wise stood out as the top money transfer company servicing Swaziland, appearing in 88.9% of SZL transfers in our search system.

Mobile apps and e-wallets

Most money transfer services that accept Swaziland offer mobile transfer apps, which often have better deals on SZL exchange rates.

You can check our guide on the best money transfer apps to find one that suits your needs.

Cash transfers

Cash transfers to Swaziland are sent in person through services like Ria Money Transfers, MoneyGram, or Western Union.

Transferring Lilangeni as cash is almost always instant but requires the recipient to visit a nearby agent in Swaziland to collect the SZL.

Bank wire transfers

You can transfer Lilangeni via your bank.

We strongly recommend not using your bank to wire SZL directly to Swaziland due to high fees and slow transfer times.

Instead, use the bank transfer deposit option with Wise and send SZL from there.

There are multiple ways to receive money in Swaziland. Picking the right one can save you on fees and speed up the SZL transfer process. Here are your options:

Deposit to the bank account

To deposit money directly into a recipient’s bank account in Swaziland, we recommend MoneyGram. They appeared in 50% of SZL searches as the cheapest option for bank transfers to Swaziland.

The card transfer will also land in the recipient’s bank account in Swaziland. Use Wise to deposit with a debit card at just $17.88 per transfer.

Cash pickup and delivery

If the recipient in Swaziland needs SZL urgently or doesn’t have access to a bank account in Swaziland, cash pickup or home delivery are good options.

Mobile and digital wallets

You can receive SZL directly into digital wallets like PayPal, though this often comes with more limitations and costs more compared to services like MoneyGram.

When sending money to a bank account or e-wallet in Swaziland, Lilangeni will arrive without any involvement from the recipient.

However, if you're sending SZL as cash or transferring large amounts to Swaziland, the recipient may need the following:

• Government-issued ID: A national ID of Swaziland, a valid passport, or driver's license.

• Sender’s details: The sender's personal details such as full name and address.

• Transfer Details: The amount of SZL being received.

• Confirmation No.: This is usually given at the time of transfer.

• SWIFT Code / IBAN: Occasionally required for bank transfers.

The exact documents required may vary depending on the money transfer company and the transfer method used.

When sending bigger amounts to Swaziland, companies may request proof of funds such as bank statements and address verification with the utility bill in line with AML (Anti-Money Laundering) policies.

We recommend using Wise to send large amounts of Lilangeni.

There may be tax obligations and government-imposed limits or restrictions on SZL transfers/payments to SZ.

Some SZL transfers could be subject to taxes such as gift tax or commercial tax.

Even if no limits or taxes apply, certain SZL transfers (especially large sums of Lilangeni) may need to be reported to the tax authorities in Swaziland or in your country.

When unsure, it’s best to consult with a tax professional in Swaziland or your home country to ensure compliance with the regulations.