Send money internationally from South Africa

Grey lets you send money internationally from South Africa to the US, UK, Europe, and beyond directly from your ZAR balance. The live exchange rate and total fee are shown before you confirm every transfer. Grey is a licensed financial services provider, regulated by FinCEN.

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Send money internationally from South Africa

Grey is an international money transfer app for people in South Africa who need to send money abroad. Fund your ZAR balance, convert at the live rate, and send directly to bank accounts in the US, UK, and across Europe. The exchange rate and fee are both shown before you confirm. What you see is what your recipient gets.

Your recipient does not need a Grey account. The money arrives in their bank account as a standard local transfer. Standard Chartered, FNB, Absa, and Nedbank accounts in South Africa are all supported for funding.

The total cost of a transfer is the conversion fee plus the exchange rate margin. Grey shows both on the same screen before you tap Send. On a ZAR 10,000 transfer, a 1% rate difference changes what your recipient receives by roughly 10 USD, 8 GBP, or 9 EUR.

Sign up

Open a free Grey account on your phone in under five minutes. Verify your identity with a valid South African ID or passport. Grey Inc is regulated by FinCEN.

Fund

Fund your Grey ZAR balance via EFT from any South African bank account, including FNB, Standard Chartered, Absa, Nedbank, and Capitec.

Send

Choose the destination country, confirm the live ZAR exchange rate and fee, enter your recipient's bank account details, and send. Most transfers arrive within minutes to 1-2 business days depending on the corridor.

Which currencies does Grey support from South Africa?

Grey supports ZAR-to-USD transfers to the United States, ZAR-to-GBP transfers to the United Kingdom, ZAR-to-EUR transfers to 30 European countries via SEPA, and additional corridors. All transfers show the live ZAR exchange rate and total fee before you confirm.

On speed

Send ZAR-to-USD directly to any US bank account. Wells Fargo, Bank of America, Chase, and all major US banks supported. The conversion fee on ZAR-to-USD is capped at $6 regardless of the transfer amount. Transfers typically arrive within 1-2 business days.

On cost

Send ZAR-to-GBP directly to any UK bank account via Faster Payments. Barclays, HSBC UK, Lloyds, NatWest, and all major UK banks are supported. The conversion fee on ZAR-to-GBP is capped at $6. Transfers typically arrive within minutes from a funded Grey balance.

On transparency

ZAR-to-USD, GBP, and EUR transfers have a conversion fee capped at $6. Select the destination country in the app, confirm the live rate and fee, and send. Grey shows the full cost before you confirm, not after.

How much does it cost to send money abroad

ZAR-to-USD and ZAR-to-GBP are Group A currency pairs, which means Grey's conversion fee is capped at $6 regardless of the transfer amount. On a large transfer, the effective fee percentage drops well below 1%. ZAR-to-EUR is also a Group A pair, making transfers to 30 European countries via SEPA similarly cost-effective.

Every international transfer involves two costs: the visible fee and the exchange rate margin. Most services hide their margin in the rate, so a transfer advertised as zero fees can quietly cost more than one with a transparent fee. The only way to compare providers accurately is to look at what your recipient actually receives in their local currency, not the fee number alone.

Grey shows both numbers separately before you tap Send: the transfer fee and the exchange rate applied to your transfer. You see exactly what your recipient will receive in their local currency before you confirm. There are no adjustments after the fact.

Send money from South Africa to United States

Send ZAR-to-USD directly to any US bank account. Wells Fargo, Bank of America, Chase, and all major US banks are supported. The conversion fee on ZAR-to-USD is capped at $6 regardless of the transfer amount. Transfers typically arrive within 1 to 2 business days.

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Best way to send money internationally from South Africa

If total cost matters most

Calculate what your recipient actually receives in their local currency, not just the exchange rate. Grey shows the conversion fee and exchange rate separately before you send. South African banks typically charge high wire fees plus a 2 to 4% rate markup. Grey's conversion fee is capped at $6 on ZAR-to-USD, GBP, and EUR transfers.

If speed matters most

Transfers to the UK and Europe typically arrive within minutes from a funded Grey balance. Transfers to the US take 1 to 2 business days. Wise typically takes 1 to 2 business days on ZAR corridors. South African bank wires are the slowest and most expensive option.

If you need more than just transfers

Grey is the only provider in this comparison that also gives you a multi-currency balance to hold USD, GBP, EUR, and NGN, virtual cards for online payments, and GreyTag for free transfers to other Grey users that typically arrive within seconds. One app, more than one job.

FinCEN-regulated

Grey Inc is registered with FinCEN (Financial Crimes Enforcement Network), with a registered address at 651 N Broad St, Suite 206, Middletown, DE 19709, United States. Every transfer is processed in accordance with US financial regulations.

What currencies can I send from South Africa with Grey?

Grey currently supports ZAR-to-USD (United States), ZAR-to-GBP (United Kingdom), and ZAR-to-EUR (30 European countries via SEPA). All three corridors show the live exchange rate and fee before you confirm. The ZAR-to-USD, GBP, and EUR conversion fee is capped at $6 regardless of the transfer amount. Grey shows both the fee and the exchange rate separately before every transfer. There are no adjustments after the fact.

Your South African ZAR converts to USD and lands in your recipient's US bank account. They receive it as a standard ACH credit. No foreign account needed on your end. The conversion fee is capped at $6.

Your ZAR converts to GBP and arrives in your recipient's UK bank account via Faster Payments, typically within minutes. No UK account required on your end. The conversion fee is capped at $6.

Western Union supports ZAR transfers to cash pickup in some markets but charges a higher combined fee and exchange rate margin than Grey on most corridors. Grey delivers directly to bank accounts with a transparent fee shown before you confirm.

PayPal and Xoom have limited support for ZAR outbound transfers and are not available for most South Africa send corridors. Grey supports ZAR transfers to the US, UK, and 30 European countries with the live rate and fee shown before every transfer.

FAQs

What countries can I send money to from South Africa with Grey?

Grey supports ZAR-to-USD transfers to the United States, ZAR-to-GBP transfers to the United Kingdom, ZAR-to-EUR transfers to 30 European countries via SEPA, ZAR-to-NGN transfers to Nigeria, and ZAR-to-KES transfers to Kenya. The live exchange rate and fee are shown before every transfer.

What is the fee for sending money from South Africa with Grey?

Grey charges a 1% conversion fee capped at $6 on ZAR-to-USD, GBP, and EUR transfers. There is also a flat withdrawal fee depending on the destination. Both the conversion fee and the withdrawal fee are shown in the app before you confirm.

How do I fund my Grey account from South Africa?

You can fund your Grey ZAR balance via EFT from any South African bank account. FNB, Standard Chartered, Absa, Nedbank, and Capitec are all supported. EFT transfers typically post to your Grey balance within 1 to 2 business days.

Is Grey available in South Africa?

Yes. Grey is available in South Africa. You can open a free Grey account on your phone, fund it with ZAR via EFT from any South African bank, and send money to the US, UK, Europe, Nigeria, and Kenya.

Is Grey licensed to operate in South Africa?

What is the minimum transfer amount from South Africa with Grey?

The minimum transfer amount varies by corridor. The fee structure applies from the first rand sent. Check the Grey app for the current minimum on your specific destination corridor before sending.

Can I send money from South Africa to Europe with Grey?

Yes. Grey supports ZAR-to-EUR transfers to 30 European countries via SEPA. The conversion fee is capped at $6 regardless of the transfer amount. SEPA transfers typically arrive within minutes from a funded Grey balance.

Does Grey support M-Pesa for transfers from South Africa to Kenya?

Yes. Grey supports ZAR-to-KES transfers delivered directly to your recipient's M-Pesa wallet in Kenya. No bank account is required on the Kenya end. M-Pesa delivery is typically the fastest option on this corridor.

How does Grey show the exchange rate for ZAR transfers?

Grey shows the live ZAR exchange rate inside the app before you confirm every transfer. The rate you see is the rate applied to your transfer. There are no adjustments after the fact.

Can my recipient in the US or UK receive money without a Grey account?

Yes. Your recipient does not need a Grey account. The money arrives in their bank account as a standard local transfer, the same way any domestic payment would appear in their banking app.

What is the difference between the conversion fee and the exchange rate margin?

The conversion fee is a visible charge shown before you confirm. The exchange rate margin is the difference between the mid-market rate and the rate applied to your transfer. Grey charges a 1% conversion fee capped at $6 and shows both the fee and the rate separately before you confirm.

Send money internationally from South Africa

Send money internationally from South Africa

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Fund

Send

Which currencies does Grey support from South Africa?

On speed

On cost

On transparency

How much does it cost to send money abroad

Best way to send money internationally from South Africa

What currencies can I send from South Africa with Grey?

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