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Provider
Fees
Transfer Speed
Supported Countries
Our Score
Up to 0.5%
Up to 1-2 business days
  • USA
  • UK
  • Canada
  • + 160 more
Minimum-High
Up to 3 business days
  • UK
  • Germany
  • USA
  • + 200 more
9.4
Medium-High
Domestic - up to 24h
International - 1-5 days
  • USA
  • Pakistan
  • India
  • + 200 more
None-Minimum
Economy - 3-5 days
Express - nearly instant
  • USA
  • Canada
  • Australia
  • + 170 more
Medium-High
3-5 business days
  • USA
  • UK
  • Canada
  • + 140 more
Up to 3%
1-3 business days
  • USA
  • UK
  • Canada
  • + 130 more

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Sending money shouldn’t feel like a fight against bad exchange rates, long delays, or surprise fees. So if you’re looking for the best way to send money to South Africa, the most convenient route is through a money transfer app.

These platforms let you move funds quickly, track every step, and choose the payout method that works best for whoever receives your money. Here are the best services to send money to South Africa:

  • Ogvio - A New Way to Move Money Instantly
  • Wise - Cheap Transfers and Fair Exchange Rates
  • MoneyGram - Quick Transfers With Lots of Payout Options
  • Western Union - A Classic Choice for Sending Money Worldwide
  • Remitly - Fast Transfers When Speed Really Matters
  • Revolut - A Smart App for Spending and Sending Money
  • WorldRemit - Easy, No-Nonsense Money Transfers

Let’s break them down so you can choose the one that fits your needs.

1. Ogvio - A New Way to Move Money Instantly

Ranks #1 out of 7 Money Transfer Services

Ogvio is a next-generation money app built to make cross-border transfers fast, simple, and affordable. Instead of dealing with delays or unpredictable fees, Ogvio lets you move money instantly to South Africa with no long forms and no complicated steps.

When it comes to fees, I’d argue Ogvio is the cheapest way to send money to South Africa. Most transfers will be free, and in cases where there is a fee, it stays low and transparent.

Ogvio logo

Deposit Fees

Bank - free
Crypto - free
Card - varies

Withdrawal Fees

Varies

Other Fees

  • Conversion fee (varies)

Card Maintenance Fees

  • Card coming soon

Fee Transparency

Markup

Visit site Read review

Table: Ogvio's fees and pricing details.

This is possible thanks to Ogvio’s use of blockchain rails instead of traditional banking systems. That way, transactions become faster and cheaper to process. Plus, this adoption aligns with South Africa's plans for safe data-sharing and transactions through blockchains.[1]

Ogvio is also available in 160+ countries and supports 40+ currencies. So if you want to transfer money to South Africa from the UK or from other places, rest assured, you are covered.

What makes Ogvio stand out is its connection to crypto and the Base network. You are able to hold your balance in USD or EUR to protect your money from inflation or currency swings.

Best way to to send money to South Africa: Ogvio send money section.

The connection with the Base network also allows you to buy or hold cryptocurrencies like BTC. So aside from helping you transfer money online to South Africa, Ogvio could be your solution for trading crypto.

Furthermore, security is a core part of the experience. Ogvio includes identity verification, encryption, and blockchain transparency, so every transaction is protected at multiple layers.

For example, your Ogvio account is secured with 256-bit AES encryption and biometric authentication. Plus, there's no middleman who could freeze or misuse your money.

Best way to to send money to South Africa: Ogvio security page.

Getting started is easy. All you need to do is create an account and your unique Ogvio @Tag (it lets you send and receive money instantly without entering bank details or long account numbers), complete quick KYC, and make a deposit to your account using debit/credit card, Google Pay, Apple Pay, or other available on-ramps.

Key Features

Here’s what you can expect from Ogvio’s approach to modern money transfers:

  • Low and transparent fees. Most transfers are free, and when there is a fee, it stays low and is clearly shown before you send.
  • Instant cross-border transfers. Send and receive money in seconds using your Ogvio @Tag, with no bank details or long forms.
  • Stable currency protection. Hold your balance in USD or EUR to avoid inflation and only convert to ZAR when you’re ready.

Best way to to send money to South Africa: Ogvio compared to other services.

  • Crypto and Web3 support. Buy, hold, or transfer crypto through the Base network and access Web3 rewards.
  • Multi-layer security. Encrypted vaults, identity verification, and blockchain transparency protect every transaction.

It's one of the best ways to send money to South Africa in seconds, backed by modern tech, low fees, and a platform built for the future of finance.

👉🏻 Visit Ogvio
...or read our Ogvio review

2. Wise - Cheap Transfers and Fair Exchange Rates

Ranks #2 out of 7 Money Transfer Services

If you care about keeping more of your money on each transfer, Wise is a strong pick. It supports 40+ currencies and sends money directly to South African bank accounts without unnecessary steps or inflated rates.

It’s also a popular choice for people who need to transfer money from USA to South Africa, thanks to its reliable delivery and clear pricing. Everything is built around transparency, so you always know what your recipient will get before you press send.

Wise logo

Deposit Fees

Bank - free
Card - varies
SWIFT - varies

Withdrawal Fees

  • ATM - 2 free/mo < $200; then 1.75%
  • Bank - varies

Other Fees

  • Using stocks - 0.6%/yr
  • Using Wise Interest - 0.26%/yr

Card Maintenance Fees

  • Free

Fee Transparency

Markup

Visit site Read review

Table: Wise's pricing information

Wise’s biggest advantage is its mid-market exchange rate. There are no hidden markups, which is something traditional banks and older remittance services are notorious for. If your goal is to stretch every penny, Wise makes a noticeable difference when sending money to South Africa.

Another reason people choose Wise is flexibility with limits. If you’re asking how much can I transfer to South Africa using Wise, you can send up to $1,000,000 via ACH and around $1,600,000 through SWIFT per transfer. It works for everything from family support to business payouts or one-time high-value transfers.

Best way to to send money to South Africa: Wise send money to South Africa page.

To make sure how much exactly you can send to South Africa, you can use Wise's calculator. It helps check the limit of the currency, and they will also let you know if you're sending too much.

Wise charges per transaction, and fees start from around 0.57%, depending on where you’re sending from and how you pay.

While it’s not always the absolute cheapest for every corridor, Wise stays consistent. That means fair rates, no surprises, and no fake “0% fees” gimmicks.

Security is also handled well. You get two-factor authentication, device checks, and the ability to freeze your Wise card in seconds if something feels off. You can track every step of the transfer from your app, which gives peace of mind when sending money abroad.

Best way to to send money to South Africa: Wise security section.

Getting started with Wise is simple. Create an account, verify your identity, add your debit card or bank details, and you’re ready to transfer.

You can also hold multiple currencies in your Wise Account, which makes it easier to manage money globally before sending it to South Africa.

Key Features

Wise keeps things simple and transparent. Here are the core features that matter most:

  • Real mid-market exchange rate. No hidden markups, so your recipient gets the real value of every transfer.
  • Supports large transfers. Send high-value payments, from personal remittances to business-level transactions.

Best way to to send money to South Africa: Wise mission.

  • Transparent pricing. Fees start from around 0.57% and are shown upfront before you send.
  • Multi-currency account. Hold, convert, and manage 40+ currencies in one place before sending to South Africa.

If your priority is stretching every Rand with fair rates and no hidden tricks, Wise is a safe bet.

👉🏻 Visit Wise
...or read our Wise review

3. MoneyGram - Quick Transfers With Lots of Payout Options

Ranks #3 out of 7 Money Transfer Services

MoneyGram is one of the oldest and most familiar names in the industry, operating since 1998 and supporting 90+ currencies worldwide.

It’s especially popular for cash payouts, which is perfect if you need to transfer money online to South Africa and want your recipient to pick up funds in person. Bank deposits and mobile wallet payouts are available too, so it’s flexible no matter the situation.

MoneyGram logo

Supported Countries

UK
Germany Germany
United States US
+200 more

Supported Languages

EN
ES
FR
+6 more

Supported Fiat Currencies

Euro EUR
US Dollar USD
Pound Sterling GBP
+90 more

Supported Cryptocurrencies

USD Coin USDC
Bitcoin BTC
Ethereum ETH
Litecoin LTC
Visit site

Table: MoneyGram's coverage details

It’s also a useful option if you want to transfer money to South Africa from UK, since MoneyGram supports multiple payment methods and fast delivery to bank accounts, wallets, or cash pickup points.

One standout feature is MoneyGram’s mobile top-ups, which let you send airtime directly to phones in South Africa. The platform is also known for offering better-than-average exchange rates in some corridors, giving your recipient a little extra value on the final amount.

MoneyGram charges per transaction, and the cost varies based on your region and payout method. In addition, there are deposit fees for sending, plus conversion fees when exchanging currencies. While not always the cheapest option, it’s consistent, transparent, and widely accessible in South Africa.

MoneyGram Ramps gives users access to crypto through the Stellar network. Stellar helps move digital assets quickly and transparently, making it easier to bridge traditional finance and crypto payments.

Security is handled through 2FA, device checks, and options to lock or freeze your account if anything looks suspicious.

Best way to to send money to South Africa: MoneyGram send money to South Africa page.

The limitation is speed, because while card deposits, cash pickup, and mobile wallet transfers are often completed within hours, ACH payments can take up to three business days to arrive.

Getting started is simple. Create an account, verify your identity, add your debit card or bank details, and choose your payout method. Once you confirm the transfer, you can track its progress until your recipient receives the money.

Key Features

MoneyGram focuses on flexibility and convenience. Here are some standout features:

  • Flexible payout options. Send to bank accounts, mobile wallets, or cash pickup locations across South Africa.
  • Mobile top-ups. Add airtime directly to local phone numbers for extra convenience.

Best way to to send money to South Africa: MoneyGram send money section.

  • Wide global coverage. Supports 90+ currencies and is accessible in many countries.
  • Transparent transaction tracking. Follow every transfer step-by-step in the app.

If you want options for how money is received, especially cash, MoneyGram delivers reliability where it counts.

👉🏻 Visit MoneyGram

Compare Money Transfer Services Side-by-Side With Others

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Compare Money Transfer Services Side-by-Side With Others

All Money Transfer Services may look similar to you, but they're NOT all the same!

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4. Western Union - A Classic Choice for Sending Money Worldwide

Ranks #4 out of 7 Money Transfer Services

Western Union is one of the most familiar names in global money transfer apps, with decades in the industry and support for over 40 currencies. If you want something simple that just works, especially for cash payouts, Western Union is still a reliable go-to.

Western Union charges per transaction, with fees based on how you pay and how your recipient receives the money.

Western Union logo

Deposit Fees

N/A

Withdrawal Fees

N/A

Other Fees

  • Exchange rate markup
  • SMS fees
  • Account over-limit fees

Card Maintenance Fees

  • Free

Fee Transparency

Markup

Visit site Read review

Table: Western Union's pricing information

It’s especially handy if you need to transfer money from USA to South Africa and want your recipient to collect cash at a physical location. Western Union also supports direct bank deposits, but its biggest strength remains its massive cash pickup network across South Africa (similar to MoneyGram).

📚 Read More: MoneyGram VS Western Union

One perk is Western Union’s flexible refund policy on transfer fees if your money doesn’t arrive on time. The platform also offers competitive exchange rates in many routes, helping your recipient receive more Rand without losing value along the way.

There are deposit fees for sending, along with conversion fees when exchanging currencies. It’s not always the cheapest option, but it trades low cost for reach, flexibility, and convenience.

Best way to to send money to South Africa: reasons to choose Western Union.

Security is well-covered with 2FA, device checks, and tools to lock your profile if something feels off. Cash pickups and card transfers often arrive within minutes, while bank deposits may take a bit longer, depending on the receiving bank.

Just note that Western Union has a specific limit on the maximum amount you can send to South Africa for cash pickup. As stated on their website, you can send a maximum $677.07.

Getting started is straightforward. Create an account on the app or website, verify your identity, add your debit card or bank details, and choose the payout method. Once you confirm the transfer, you can track it step-by-step until it’s delivered.

Key Features

Western Union builds on its global reach. These are the features that keep it relevant today:

  • Massive cash pickup network. Ideal for recipients who prefer collecting money in person.
  • Flexible refund policy. Transfer fees can be refunded if the money doesn’t arrive on time.

Best way to to send money to South Africa: Western Union send money to South Africa section.

  • Competitive exchange rates. Helps recipients receive more Rand on many routes.
  • Fast transfers. Cash pickups often arrive within minutes, with tracking available in-app.
  • Strong security layer. Two-factor authentication and account-locking features for safer transfers.

If coverage, reach, and in-person pickup matter more than low fees, Western Union is still a dependable choice.

👉🏻 Visit Western Union
...or read our Western Union review

5. Remitly - Fast Transfers When Speed Really Matters

Ranks #5 out of 7 Money Transfer Services

Remitly is built for people who want their money to arrive quickly and without hassle. It supports 90+ fiat currencies and is available in 160+ countries, making it a solid pick for urgent transfers to South Africa.

One of its standout features is the send now, pay later option, along with two delivery types: Express, which arrives within minutes, and Economy, which takes longer but can be more affordable.

Remitly logo

Overall Score

8.4

Transaction Fees

  • Varies

Pricing Model

Per-transaction

Value For Money

Verdict

A beginner-friendly cross-border remittance solution.
Visit site Read review

Table: Overview of Remitly's main features

If a transfer doesn’t arrive on time, Remitly also offers a transfer-fee refund, which helps if you’re counting on a specific delivery window.

Pricing works on a per-transaction basis. There are deposit fees for sending, and transaction fees vary depending on your region and payment method. You’ll also see an exchange rate markup on faster Express transfers, so you essentially pay extra when you want the money to land right away.

Best way to to send money to South Africa: Remitly's send money to South Africa page.

What makes Remitly really easy to work with is the control you get. You can choose speed or savings, and Remitly shows the fees and delivery times upfront before you hit send. It keeps things simple and prevents any “wait, why is it delayed?” surprises.

Security is handled through two-factor authentication, device checks, and the ability to freeze your account if something seems off.

Remitly also supports high sending limits (up to AU$45,000 from Australia, CA$40,000 from Canada, and €85,000 from Europe), which comes in handy if you need bigger remittances to South Africa.

Getting started is quick. Create your account, verify your identity, add your debit card or bank details, and choose between Express or Economy. Once you confirm the transfer, you can track the entire process in real time until the funds arrive.

Key Features

Remitly focuses heavily on speed and convenience. Here are the key features to know:

  • Speed choices. Pick Express for instant transfers or Economy for lower-cost delivery.
  • Clear, upfront pricing. Fees and rates are shown before you hit send, with no surprises.

Best way to to send money to South Africa: Remitly send money to South Africa section.

  • Multiple payout options. Bank deposits, mobile wallets, and cash pickup are all supported.
  • Real-time transfer tracking. Follow your money step-by-step until it’s delivered.

If speed is your top concern and you want instant delivery options, Remitly is built for that purpose.

👉🏻 Visit Remitly
...or read our Remitly review

6. Revolut - A Smart App for Spending and Sending Money

Ranks #6 out of 7 Money Transfer Services

Revolut is a UK-based money app that makes it easy to transfer money online to South Africa, especially if you’re sending from the UK.

Transfer-wise, bank payments and internal transfers to other Revolut users are instant, while traditional bank routes like ACH can take two to five business days, depending on the receiving bank.

Revolut logo

Funding Methods

  • Card
  • ACH
  • SEPA
  • SWIFT

Delivery Methods

  • Bank deposit
  • ATM

Supported Networks

  • Bitcoin
  • Ethereum
  • Polygon
  • + more

Transaction Speed

|
|
|
|
|
Long
Average
Very Quick

Bulk Payments

Scheduled Payments

Visit site Read review

Table: Revolut's asset movement information

You can hold and spend in multiple currencies, use its virtual or physical card, and manage everything directly from your phone. For everyday transfers and travel-friendly spending, Revolut is one of the more flexible options out there.

Its standout feature is the disposable virtual card, which generates a new card number for every online transaction. It adds an extra layer of security and pairs nicely with Revolut’s multi-currency wallet.

Revolut also offers a South African Rand (ZAR) card, letting you spend ZAR directly from your Revolut balance. Since it’s multi-currency, you can hold money in different currencies and convert only when the rates are good.

On pricing, Revolut has multiple plans starting from $9.99/month up to $16.99/month, with different perks depending on the tier.

International transfers come with transparent fees shown upfront, and the Standard plan lets you send and top up without paying subscription costs.

📚 Read More: Revolut Crypto Review

If you’re wondering how much money can I transfer to South Africa, Revolut has generous limits: up to $100,000 per SEPA transfer and up to $250,000 per outbound UK GBP payment. That makes it suitable for small allowances or large personal transfers.

Best way to to send money to South Africa: Revolut pricing plans.

For security, Revolut uses 2FA, device binding, spending controls, and instant card freeze options, much like what you'll find in other money apps in the list.

Getting started is simple: create an account, verify your identity, top up with a card or bank transfer, and you’re ready to send. Just enter your recipient’s details, review the rate and fee, and tap send.

Key Features

Revolut gives you an all-in-one finance app. Here are the features that stand out:

  • Instant transfers. Move money to other Revolut users or international accounts in seconds.

Best way to to send money to South Africa: Revolut transfer time to South Africa.

  • Built-in budgeting tools. Track spending, set limits, and manage your money in-app.
  • Global spending support. Use the Revolut card abroad and pay in multiple currencies.
  • Security powered by AI. Real-time monitoring helps detect and stop suspicious activity.

If you want an app that lets you spend, save, and transfer from one place, Revolut is a strong everyday option.

👉🏻 Visit Revolut
...or read our Revolut review

7. WorldRemit - Easy, No-Nonsense Money Transfers

Ranks #7 out of 7 Money Transfer Services

WorldRemit makes cross-border payments simple, supporting 70+ currencies across more than 120 countries, including popular routes to other African nations like Ghana and Kenya.

It’s built for people who want a clean, straightforward experience without complicated steps or hidden conditions. If you prefer a “just send and go” approach, WorldRemit delivers that pretty well.

WorldRemit logo

Mobile App

Android/iOS

App UX

Customer Support

  • Chat - 24/7
  • Phone

Analytics & Reporting

Transfer history

Interest / Investment / Savings Options

1

Referral bonus (up to $35)

Extra Features

1

WorldRemit Wallet

Visit site Read review

Table: WorldRemit's user experience

Minimum transfer amounts depend on the country and payout method. For example, some bank transfers require a slightly higher minimum, while mobile money and cash pickup can allow smaller amounts.

What makes WorldRemit unique is its WorldRemit Wallet, which lets you hold multiple currencies and manage transfers in one place.

It also offers budgeting tools to track your spending, set limits, and gain insights, which is helpful if you send money regularly. And yes, like some other apps, WorldRemit refunds your transfer fee if your delivery isn’t completed on time.

Best way to to send money to South Africa: WorldRemit send money to South Africa page.

While it’s not exactly instant, WorldRemit is still fairly fast: bank transfers usually arrive the same day, cash pickup can be same-day as well, and debit card deposits or mobile money often land within about an hour. It’s quick, just not the “seconds-fast” speed.

Pricing is straightforward. Deposits and withdrawals are free, and the platform earns mainly from a small exchange rate markup, which is shown upfront before you send. You always know exactly what the recipient will get, so no surprise deductions later.

WorldRemit also has a referral bonus program, offering up to USD $35 when you invite friends who make their first transfer.

Security features include 2FA, account monitoring, and verification checks to protect your personal details and payment methods. WorldRemit is also regulated in multiple regions, which gives an extra layer of trust for international transfers.

To get started, just create an account, verify your identity, choose how the recipient will receive the funds, and complete your payment with a debit card or bank transfer. After that, you can track the transfer in the app until it’s delivered.

Key Features

WorldRemit is all about simplicity and fast delivery. Here are its top benefits:

  • Direct NGN payouts. Send money straight to South African bank accounts with no currency detours.
  • Transparent costs. View fees, timing, and final amounts before sending.

Best way to to send money to South Africa: WorldRemit send money page.

  • Fast delivery. Many transfers arrive within minutes, depending on the payout method.
  • Safety-focused experience. WorldRemit offers ongoing security checks and fraud reminders to protect users.

If you prefer quick transfers with no learning curve, WorldRemit gets the job done without overcomplicating the process.

👉🏻 Visit WorldRemit
...or read our WorldRemit review

How to Send Money from UK to South Africa

Let me start by saying that it’s not always smooth sailing when sending money from the UK to South Africa. Transfers can be pricey, they don’t always land fast, and the rules around money entering South Africa can sometimes lead to extra verification.

Best way to send money to South Africa: UK and South African flags.

To give you an idea of how costs compare across different methods, here’s a quick look at the typical fee ranges people run into for this corridor:

Method

Typical fees on UK - South Africa

What it often means on a ~£200 send

High-street UK bank transfer (SWIFT)

£5-£25 transfer fee, plus ~2-4% FX markup

Roughly £15-£30 lost in costs (~7-15% of the amount)

Money transfer apps (Ogvio, Wise, etc.)

Usually ~0.3-1.5% of the amount, often with mid-market FX or very small markup

Around £1-£3 in total costs (~0.5-1.5%) if you pay by bank transfer

Cash pickup service (Western Union, etc.)

Flat fee from about £2-£5, plus ~1-4% FX margin depending on payout method and speed

Typically £5-£12 in combined costs (~2-6%) for smaller, online-funded transfers

Digital wallets & card apps (e.g., PayPal)

International transfer fee (often capped) plus ~3-4% FX markup

You might lose around £9-£11 in total (~4-6%), depending on caps and funding method

Table: fee comparison across different methods

This is where Ogvio becomes a strong alternative. If both you and the recipient use @Tags, transfers are instant and free. Plus, when currency conversion is needed, the costs stay lower than other transfer methods.

It also avoids the common bank-side delays that UK users experience when sending money to South Africa.

With that in mind, here’s how to send money from the UK to South Africa using Ogvio:

STEP 1:

Start by creating your Ogvio account. You can register with an email or a Google profile. I’ll go with the email option.

Best way to send money to South Africa: Ogvio sign up with email highlighting the submit button.

STEP 2:

Head to your inbox and paste the verification code into the app. Then, a

ccept the User Agreement to continue the process.

STEP 3:

Pick your Ogvio @Tag. You’ll use this as your username to send and receive money. Once that’s set, you’ll land on your Ogvio wallet.

Best way to send money to South Africa: Ogvio pick @tag username page.

STEP 4:

When done, tap [Add Money] and choose how you’d like to top up. The [Bank transfer] option gives the smoothest experience.

In order to make a bank transfer, you will need to pass the KYC verification.

Best way to send money to South Africa: Ogvio add money highlighting the [Bank Transfer] option.

STEP 5:

Select your currency. In this example, I’ll go with the British Pound.

Best way to send money to South Africa: Ogvio deposit choosing GBP.

STEP 6:

After that, you’ll see the confirmation page with the rate locked in. Click [Confirm] to make your deposit.

est way to send money to South Africa: Ogvio deposit GBP confirmation page.

STEP 7:

Continue the process until your balance is ready, then go to [Send Money] on the homepage.

STEP 8:

Add your recipient. Ogvio lets you send to another @Tag, a bank account, or a crypto wallet. As an example, I’ll send it to an Ogvio account.

Best way to send money to South Africa: Ogvio add recipient highlighting the [Ogvio user] option.

STEP 9:

Type their account name, and click. On the next page, enter the amount to send and tap [Continue].

Best way to send money to South Africa: Ogvio send money amount page.

STEP 10:

On the last page, Ogvio will show a pop-up confirming your first transfer. Click [Send transfer] to finalize everything.

Best way to send money to South Africa: Ogvio confirmation pop-up for first transfer.

Once confirmed, the money will be delivered to your recipient. If you send the money to another Ogvio account, the transfer will be instant and free.

How to Send Money from Europe to South Africa

Sending money from Europe to South Africa can feel unpredictable at times. Many use SEPA bank transfers, but once the payment leaves the Eurozone, delays can occur.

Plus, the EUR to ZAR exchange rate tends to move around more than most expect, which affects how much your recipient actually receives. To give you an idea, the past year, EUR/ZAR has drifted higher, with 1 euro now buying about 19.9 rand versus roughly 19.0 a year ago, a move of around 4-5%. During this period, the pair traded in a wide 18.5-22.2 range.

These swings mirror changing sentiment on South Africa: the rand tends to weaken when global risk appetite fades, commodity prices soften, or investors expect relatively lower South African interest rates, and it stabilises when confidence improves, so EUR/ZAR can shift quickly.

That’s where Ogvio comes in. With it, you can avoid unexpected FX spreads, pay low fees, and if both sides use @Tags, transfers are instant. In addition, the platform automatically pegs your funds to USD to protect them from volatility and inflation. Now, here’s how you can use Ogvio to send money from Europe to South Africa:

STEP 1:

Create your Ogvio account by signing up with your email or a Google login. Then, f

inish the setup process until your account is fully created.

For the complete sign-up process, you can check out Steps 1 to 4 in the previous chapter.

STEP 2:

When everything checks out, choose [Add Money] from the dashboard.

Best way to send money to South Africa: Ogvio main page highlighting the [Add Money] page.

STEP 3:

Pick a deposit method. For most EU countries, a bank transfer is usually the most cost-effective option.

STEP 4:

Select your deposit currency. Here, I'll choose the EUR option. Then, follow the rest of the steps until your balance updates.

Best way to send money to South Africa: Ogvio deposit highlighting EUR option.

STEP 5:

Now you can send. Tap [Send Money] to begin, then c

hoose whether you’re sending to an Ogvio @Tag, a bank account in South Africa, or a crypto address. I’ll go with the bank transfer option.

Best way to send money to South Africa: Ogvio add recipient page.

STEP 6:

Select the currency for your recipient. But you can also stick with EUR. Next, add the recipient details and click [Continue].

Best way to send money to South Africa: Ogvio recipient details page for EUR bank transfer.

STEP 7:

Enter the amount you want to transfer and continue the process until the money is delivered to your recipient.

After you complete the transfer, the money will be on its way. Ogvio saves all your recipients' info, so sending money to the same address will only be quicker in the future.

How to Send Money from US to South Africa

Sending money from the US to South Africa can come with extra checks. Many people use online transfer apps, ACH payments, or bank wires, but these can be slowed down by fraud reviews or verification requests.

Best way to send money to South Africa: woman holding South African flag and ZAR.

Now, before we begin, it's important to mention that US citizens will not have full services. However, there is an exception. If you are a US citizen, but you're living in a different country, you will be able to take advantage of the full capabilities of Ogvio.

Luckily, Ogvio also allows US users to top up with crypto and continue the transfer without relying on traditional steps. With that in mind, here is how to send money from the US to South Africa:

STEP 1:

Go to Ogvio and create your account. For this walkthrough, I’ll use the Google account sign-up option.

Best way to send money to South Africa: Ogvio sign up with Google.

STEP 2:

Complete the rest of the sign-up process. For more details, you can read Steps 1 to 4 of the UK to South Africa chapter.

STEP 3:

Once verified, head over to the [Add Money] section.

For US users, the crypto top-up is the simplest choice.

STEP 4:

Top up your account using the [Receive to your crypto] or [Card Payment] option. I went with the latter.

Best way to send money to South Africa: one red arrow pointing to the [Card Payment] option, the other to [Receive to your crypto].

STEP 5:

A new window will pop up. Here, enter the amount you want to top up with and press [Continue]. Follow the further instructions until your payment has been completed.

Best way to send money to South Africa: a different window to top up your Ogvio account.

STEP 6:

You’re now ready to send money. Open [Send Money], then tap [Add new recipient].

STEP 7:

Because you topped up with crypto, select [Crypto wallet] as your sending method.

Best way to send money to South Africa: Ogvio add recipient highlighting the crypto wallet option.

STEP 8:

Enter the amount to transfer and click [Continue].

Best way to send money to South Africa: Ogvio send crypto amount page.

The last screen will show your transfer details. Review everything carefully before confirming the payment.

Cheapest Ways to Send Money to South Africa

Based on my research, the top three picks that provide the cheapest way to send money to South Africa are Ogvio, Wise, and Remitly. Each offers a different advantage.

  • Ogvio. Aside from low costs, Ogvio also goes a step further by using blockchain technology to boost transfer speed and reduce the risk of personal data fraud.[2]
  • Wise. The platform keeps costs reasonable through the mid-market exchange rate. So you'll always get the best (and sometimes the lowest) rate.
  • Remitly. Appeals to users because it offers a delivery-time guarantee, and if the money is late, you can get a refund.

To make things even clearer, here’s a quick comparison to show the differences at a glance.

Ogvio logo
Wise logo
MoneyGram logo

Overall Score

9.8
9.6
8.9

Transaction Fees

  • Free-to-Low
  • Varies
  • Varies

Pricing Model

Per-transaction Per-transaction Per-transaction

Value For Money

Verdict

A global money transfer service with an additional volatile currency rate pegging to USD or EUR. A trusted digital remittance service with upfront fees and great rates, but limited options for cash delivery. A mainstream remittance option with a huge global cash-pickup footprint.
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Table: Main comparison of the top apps to send money to South Africa.

Together, they cover the main needs most people have when sending money to South Africa, whether it’s speed, savings, or convenience.

Conclusions

At the end of the day, the best way to send money to South Africa is through money transfer apps. There are plenty to choose from, and I’ve covered seven solid options in this guide, each with its own strengths depending on what you value most.

If I had to narrow it down, Ogvio, Wise, and Remitly stand out. Ogvio delivers a next-gen approach with blockchain and crypto potential, Wise keeps costs low with fair exchange rates, and Revolut gives you a refund in case any problem occurs.

Honestly, Ogvio looks like the smartest pick. It’s fast, forward-thinking, and built with tomorrow in mind, not yesterday’s banking habits.

Join Ogvio today and be among the first to experience what next-gen money transfers look like.

Scientific References

1. Juniper W.: ‘Blockchain-Based Interoperability Solutions for South Africa's Mobile Money Ecosystem: Regulatory Framework for Cross-Network Transactions’;

2. NH H.: ‘The Development of Cryptocurrencies as a Payment Method in South Africa’.


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About Article's Experts & Analysts

By Aaron S.

Editor-In-Chief

Having completed a Master’s degree in Economics, Politics, and Cultures of the East Asia region, Aaron has written scientific papers analyzing the differences between Western and Collective forms of capitalism in the post-World War II era. W...
Aaron S. Editor-In-Chief
Having completed a Master’s degree in Economics, Politics, and Cultures of the East Asia region, Aaron has written scientific papers analyzing the differences between Western and Collective forms of capitalism in the post-World War II era.
With close to a decade of experience in the FinTech industry, Aaron understands all of the biggest issues and struggles that crypto enthusiasts face. He’s a passionate analyst who is concerned with data-driven and fact-based content, as well as that which speaks to both Web3 natives and industry newcomers.
Aaron is the go-to person for everything and anything related to digital currencies. With a huge passion for blockchain & Web3 education, Aaron strives to transform the space as we know it, and make it more approachable to complete beginners.
Aaron has been quoted by multiple established outlets, and is a published author himself. Even during his free time, he enjoys researching the market trends, and looking for the next supernova.

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FAQ

What’s the best way to send money to South Africa?

The best way to send money to South Africa is through a trusted money transfer app that keeps fees low while delivering funds quickly and securely. Apps like Wise, Remitly, and MoneyGram offer solid coverage, but Ogvio stands out as a modern alternative built for instant cross-border payments. By using card payments or account top-ups, you can move money without slow bank wires, track the transfer in real time, and ensure your recipient gets the most value in South African Rand with minimal delays.

How long does it take to transfer money from Europe to South Africa?

Transfer times vary, but the best way to send money to South Africa from Europe is by using a money app that supports same-day or near-instant payouts. Ogvio aims for instant settlement, while Wise and MoneyGram can deliver within minutes to a few hours depending on the payout method. Bank-to-bank transfers may still take one to three business days due to clearing, but card-funded transfers and mobile wallet payouts are typically much faster and more predictable.

What is the cheapest way to send money to South Africa?

The cheapest way to send money to South Africa is to choose a money transfer service that offers low fees and a fair exchange rate with no hidden markups. Wise is known for competitive mid-market rates, Revolut offers low-cost digital payments, and Ogvio aims to reduce costs even further through blockchain technology. To minimize expenses, compare both the transfer fee and the exchange rate, since a “low fee” can still result in a smaller payout if the FX rate is weak.

How to transfer money to South Africa?

If you’re unsure how to send money to South Africa, the easiest process is using a money transfer app that supports debit card top-ups, bank transfers, or mobile wallet payouts. These apps also help you send money to someone without a bank account. After creating an account, add your payment method, enter your recipient’s details, review the ZAR amount they will receive, and confirm the transfer. These apps make the entire process simple and trackable, so you always know where your money is and when it will arrive.

Can someone from another country send money to South Africa?

Yes, learning how to send money to South Africa from USA or any other country is straightforward thanks to global money apps. Whether you’re using Ogvio, Remitly, Western Union, or MoneyGram, you can fund the transfer with a debit card, credit card, or bank account and send the funds to a South African bank, mobile wallet, or cash pickup location. Before you send the money, just be sure to review fees, exchange rates, and transfer times, as these vary based on location and payout method.

Do I have to pay tax on money transferred from overseas to South Africa?

If you’re receiving personal remittances, you generally don’t pay tax just for transferring money into South Africa, like transferring from one bank to another. But large transfers may require documentation under exchange control rules. The sender’s country may also have reporting requirements, especially for big international transfers. To be safe, keep records of your proof of payment and source of funds, and consult a tax professional if you’re moving a significant amount or sending money regularly as part of business activities.

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