How to send money from UK to South Africa
Best right now: Grey. £100.00 gets R2,222.55 (1 GBP = 22.4500 ZAR). Refreshed 9 Nov, 00:00.
Who pays the most on £100.00 today
- Send moneyGreyBest dealExchange rate22.4500+1.69% vs mid-marketTotal fees£1.00Recipient getsR2,222.55
Grey's rate of 22.4500 is 1.69% better than the mid-market rate of 22.0777, so there's no hidden markup in the rate.
They also charge a transfer fee of £1.00.
Altogether, your recipient gets R14.78 more than they would at the mid-market rate.
Save up to £17.86 compared with Nationwide - Go to PesaPesaExchange rate22.1600+0.37% vs mid-marketTotal feesNoneRecipient getsR2,216.00
Pesa's rate of 22.1600 is 0.37% better than the mid-market rate of 22.0777, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets R8.23 more than they would at the mid-market rate.
- Go to TapTap SendTapTap SendExchange rate22.1400+0.28% vs mid-marketTotal feesNoneRecipient getsR2,214.00
TapTap Send's rate of 22.1400 is 0.28% better than the mid-market rate of 22.0777, so there's no hidden markup in the rate.
They don't publish a separate transfer fee for this amount.
Altogether, your recipient gets R6.23 more than they would at the mid-market rate.
- Go to NalaNalaExchange rate22.1078+0.14% vs mid-marketTotal feesNoneRecipient getsR2,210.78
Nala's rate of 22.1078 is 0.14% better than the mid-market rate of 22.0777, so there's no hidden markup in the rate.
They don't publish a separate transfer fee for this amount.
Altogether, your recipient gets R3.01 more than they would at the mid-market rate.
- Go to AfriChangeAfriChangeExchange rate22.0279−0.23% vs mid-marketTotal fees£0.23Recipient getsR2,202.79
The exchange rate AfriChange uses is 22.0279, which is 0.23% lower than the mid-market rate of 22.0777. That adds £0.23 as a hidden exchange-rate markup.
They don't publish a separate transfer fee for this amount.
Altogether, this transfer costs you £0.23 compared with the mid-market rate.
- Go to HSBCHSBCExchange rate21.8663−0.96% vs mid-marketTotal fees£0.96Recipient getsR2,186.63
The exchange rate HSBC uses is 21.8663, which is 0.96% lower than the mid-market rate of 22.0777. That adds £0.96 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £0.96 compared with the mid-market rate.
- Go to Send AppSend AppExchange rate21.7891−1.31% vs mid-marketTotal fees£1.31Recipient getsR2,178.91
The exchange rate Send App uses is 21.7891, which is 1.31% lower than the mid-market rate of 22.0777. That adds £1.31 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £1.31 compared with the mid-market rate.
- Go to SendwaveSendwaveExchange rate21.8560−1.00% vs mid-marketTotal fees£1.98Recipient getsR2,163.96
The exchange rate Sendwave uses is 21.8560, which is 1.00% lower than the mid-market rate of 22.0777. That adds £0.99 as a hidden exchange-rate markup.
They also charge a transfer fee of £0.99.
Altogether, this transfer costs you £1.98 compared with the mid-market rate.
- Go to NatWestNatWestExchange rate21.6042−2.14% vs mid-marketTotal fees£2.14Recipient getsR2,160.42
The exchange rate NatWest uses is 21.6042, which is 2.14% lower than the mid-market rate of 22.0777. That adds £2.14 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £2.14 compared with the mid-market rate.
- Go to RoyalRoyal Bank of ScotlandExchange rate21.6042−2.14% vs mid-marketTotal fees£2.14Recipient getsR2,160.42
The exchange rate Royal Bank of Scotland uses is 21.6042, which is 2.14% lower than the mid-market rate of 22.0777. That adds £2.14 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £2.14 compared with the mid-market rate.
- Go to RemitlyRemitlyExchange rate21.8800−0.90% vs mid-marketTotal fees£2.37Recipient getsR2,155.40First transfer: R2,215.49
The exchange rate Remitly uses is 21.8800, which is 0.90% lower than the mid-market rate of 22.0777. That adds £0.88 as a hidden exchange-rate markup.
They also charge a transfer fee of £1.49.
Altogether, this transfer costs you £2.37 compared with the mid-market rate.
First-transfer offer: new customers get 22.4900, so your recipient would get R2,215.49 on your first transfer. We rank on the standard rate, which is what you'll get every time after that.
- Go to BarclaysBarclaysExchange rate21.4924−2.65% vs mid-marketTotal fees£2.65Recipient getsR2,149.24
The exchange rate Barclays uses is 21.4924, which is 2.65% lower than the mid-market rate of 22.0777. That adds £2.65 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £2.65 compared with the mid-market rate.
- Go to WiseWiseExchange rate22.1064+0.13% vs mid-marketTotal fees£2.72Recipient getsR2,147.64
Wise's rate of 22.1064 is 0.13% better than the mid-market rate of 22.0777, so there's no hidden markup in the rate.
They also charge a transfer fee of £2.85.
Altogether, this transfer costs you £2.72 compared with the mid-market rate.
- Go to RevolutRevolutExchange rate21.9935−0.38% vs mid-marketTotal fees£2.87Recipient getsR2,144.37
The exchange rate Revolut uses is 21.9935, which is 0.38% lower than the mid-market rate of 22.0777. That adds £0.37 as a hidden exchange-rate markup.
They also charge a transfer fee of £2.50.
Altogether, this transfer costs you £2.87 compared with the mid-market rate.
- Go to WorldRemitWorldRemitExchange rate21.8560−1.00% vs mid-marketTotal fees£2.97Recipient getsR2,142.11
The exchange rate WorldRemit uses is 21.8560, which is 1.00% lower than the mid-market rate of 22.0777. That adds £0.98 as a hidden exchange-rate markup.
They also charge a transfer fee of £1.99.
Altogether, this transfer costs you £2.97 compared with the mid-market rate.
- Go to Western UnionWestern UnionExchange rate21.7619−1.43% vs mid-marketTotal fees£3.39Recipient getsR2,132.89
The exchange rate Western Union uses is 21.7619, which is 1.43% lower than the mid-market rate of 22.0777. That adds £1.40 as a hidden exchange-rate markup.
They also charge a transfer fee of £1.99.
Altogether, this transfer costs you £3.39 compared with the mid-market rate.
- Go to RiaRia Money TransferExchange rate21.9653−0.51% vs mid-marketTotal fees£3.48Recipient getsR2,130.85First transfer: R2,136.21
The exchange rate Ria Money Transfer uses is 21.9653, which is 0.51% lower than the mid-market rate of 22.0777. That adds £0.49 as a hidden exchange-rate markup.
They also charge a transfer fee of £2.99.
Altogether, this transfer costs you £3.48 compared with the mid-market rate.
First-transfer offer: new customers get 22.0205, so your recipient would get R2,136.21 on your first transfer. We rank on the standard rate, which is what you'll get every time after that.
- Go to MoneseMoneseExchange rate22.0184−0.27% vs mid-marketTotal fees£4.26Recipient getsR2,113.76
The exchange rate Monese uses is 22.0184, which is 0.27% lower than the mid-market rate of 22.0777. That adds £0.26 as a hidden exchange-rate markup.
They also charge a transfer fee of £4.00.
Altogether, this transfer costs you £4.26 compared with the mid-market rate.
- Go to XoomXoomExchange rate21.5172−2.54% vs mid-marketTotal fees£5.45Recipient getsR2,087.38
The exchange rate Xoom uses is 21.5172, which is 2.54% lower than the mid-market rate of 22.0777. That adds £2.46 as a hidden exchange-rate markup.
They also charge a transfer fee of £2.99.
Altogether, this transfer costs you £5.45 compared with the mid-market rate.
- Go to NationwideNationwideExchange rate21.5079−2.58% vs mid-marketTotal fees£17.19Recipient getsR1,828.17
The exchange rate Nationwide uses is 21.5079, which is 2.58% lower than the mid-market rate of 22.0777. That adds £2.19 as a hidden exchange-rate markup.
They also charge a transfer fee of £15.00.
Altogether, this transfer costs you £17.19 compared with the mid-market rate.
Step by step
- Compare what your recipient gets
Check the live table on this page. Providers differ on both fee and exchange rate, so rank them by what lands in South Africa, not by the fee alone. Right now the gap between the best and worst option on £100.00 is R394.38.
- Open an account with the provider
Sign up on the provider's app or website. You'll verify your identity once, usually with a UK passport, driving licence or biometric residence card, plus sometimes proof of address. Many new-customer offers give a better rate on your first transfer.
- Add your recipient
Have the recipient's full name, bank, branch code and account number ready. Double-check the name matches their account exactly; mismatches are the most common reason transfers are held.
- Enter the amount and check the final figure
Type how much you're sending. Before you confirm, check the exact amount your recipient will get on the provider's summary screen, since rates move during the day.
- Pay and track the transfer
Pay with a UK debit card, Apple Pay or Google Pay, or a bank transfer (Open Banking). You'll get a reference and status updates; send the reference to your recipient so they can follow it too.
How your recipient gets it in South Africa
- Directly into a South African bank account
- Cash pickup with some providers
What people send for
- Monthly support for parents and family
- School fees and university costs
- Building or property projects back home
- Weddings, funerals and family emergencies
- Paying staff, suppliers or business costs
The providers, at a glance
Questions
Right now Grey pays the most: sending £100.00, your recipient gets R2,222.55 after fees (1 GBP = 22.4500 ZAR). The cheapest provider changes often, so check the live table before each transfer.
Most app-based providers deliver within minutes to a few hours once your account is verified. First transfers can take longer while ID checks complete, and bank payouts outside business hours may land the next working day.
Directly into a South African bank account. Cash pickup with some providers. Each provider supports different payout options, so check before you send.
Usually the exchange rate. A "zero fee" transfer can still cost more if the provider's rate is further from the mid-market rate. That's why we rank by what your recipient actually gets.
No. Ratenify compares providers; you always send on the provider's own app or website. We never hold your money.