Remittance Prices Worldwide

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Transfer money

Sending money from SOUTH-AFRICA to KENYA

Data collected on: Aug 16, 2025 - Aug 26, 2025
ZAR | USD
Firm
Payment instrument
Access point
Sending network coverage
Transfer speed
<em>Transfer Speed</em> has been standardized in six broad categories.
Receiving method
Disbursing network coverage
Fee
Exchange rate margin (%)
The exchange rate margin is the cost resulting from the fact that the firm applies a rate that is different from the market reference rate. The margin is the percentage difference between the market reference rate and the exchange rate actually applied to the transaction.
Total cost (%)
The total cost of sending a remittance transfer includes: the fee charged to the sender plus the exchange rate margin.
Total cost (ZAR)sort descending
The total cost of sending a remittance transfer includes: the fee charged to the sender plus the exchange rate margin.
Firm
Sikhona Money Transfers
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Agent
Disbursing network coverage
High 
Fee
25.00
Exchange rate margin(%)
1.62
Percentage difference between market reference rate 7.31 and exchange rate charged 7.19
Total cost (%)
3.44
Total cost (ZAR)sort descending
47.19
Firm
Sikhona Money Transfers
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
Medium 
Fee
25.00
Exchange rate margin(%)
1.62
Percentage difference between market reference rate 7.31 and exchange rate charged 7.19
Total cost (%)
3.44
Total cost (ZAR)sort descending
47.19
Firm
Sikhona Money Transfers
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Agent
Disbursing network coverage
High 
Fee
25.00
Exchange rate margin(%)
1.62
Percentage difference between market reference rate 7.31 and exchange rate charged 7.19
Total cost (%)
3.44
Total cost (ZAR)sort descending
47.19
Firm
EcoCash Remit
Firm type: Mobile Operator
 
Payment instrument
Access point
Agent
Sending network coverage
Medium 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
20.55
Exchange rate margin(%)
2.46
Percentage difference between market reference rate 7.33 and exchange rate charged 7.15
Total cost (%)
3.96
Total cost (ZAR)sort descending
54.25
Firm
Mukuru
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
28.00
Exchange rate margin(%)
2.00
Percentage difference between market reference rate 7.33 and exchange rate charged 7.18
Total cost (%)
4.04
Total cost (ZAR)sort descending
55.40
Firm
Mukuru
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
28.00
Exchange rate margin(%)
2.01
Percentage difference between market reference rate 7.33 and exchange rate charged 7.18
Total cost (%)
4.05
Total cost (ZAR)sort descending
55.54
Firm
Mukuru
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
28.00
Exchange rate margin(%)
2.16
Percentage difference between market reference rate 7.36 and exchange rate charged 7.20
Total cost (%)
4.20
Total cost (ZAR)sort descending
57.59
Firm
Mukuru
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
28.00
Exchange rate margin(%)
2.21
Percentage difference between market reference rate 7.36 and exchange rate charged 7.19
Total cost (%)
4.25
Total cost (ZAR)sort descending
58.28
Firm
Mukuru
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
28.00
Exchange rate margin(%)
2.60
Percentage difference between market reference rate 7.35 and exchange rate charged 7.16
Total cost (%)
4.64
Total cost (ZAR)sort descending
63.62
Firm
Mukuru
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
28.00
Exchange rate margin(%)
2.60
Percentage difference between market reference rate 7.35 and exchange rate charged 7.16
Total cost (%)
4.64
Total cost (ZAR)sort descending
63.62
Firm
Sasai Money Transfer
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
25.00
Exchange rate margin(%)
3.00
Percentage difference between market reference rate 7.33 and exchange rate charged 7.11
Total cost (%)
4.82
Total cost (ZAR)sort descending
66.10
Firm
Sasai Money Transfer
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
25.00
Exchange rate margin(%)
3.00
Percentage difference between market reference rate 7.33 and exchange rate charged 7.11
Total cost (%)
4.82
Total cost (ZAR)sort descending
66.10
Firm
Mama Money
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
29.00
Exchange rate margin(%)
2.93
Percentage difference between market reference rate 7.30 and exchange rate charged 7.08
Total cost (%)
5.05
Total cost (ZAR)sort descending
69.14
Firm
Mama Money
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
29.00
Exchange rate margin(%)
2.93
Percentage difference between market reference rate 7.30 and exchange rate charged 7.08
Total cost (%)
5.05
Total cost (ZAR)sort descending
69.14
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
41.10
Exchange rate margin(%)
4.05
Percentage difference between market reference rate 7.30 and exchange rate charged 7.00
Total cost (%)
7.05
Total cost (ZAR)sort descending
96.59
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
41.10
Exchange rate margin(%)
4.05
Percentage difference between market reference rate 7.30 and exchange rate charged 7.00
Total cost (%)
7.05
Total cost (ZAR)sort descending
96.59
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
41.10
Exchange rate margin(%)
4.05
Percentage difference between market reference rate 7.30 and exchange rate charged 7.00
Total cost (%)
7.05
Total cost (ZAR)sort descending
96.59
Firm
Mukuru
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
28.00
Exchange rate margin(%)
5.13
Percentage difference between market reference rate 7.33 and exchange rate charged 6.95
Total cost (%)
7.17
Total cost (ZAR)sort descending
98.28
Firm
Mukuru
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
28.00
Exchange rate margin(%)
5.17
Percentage difference between market reference rate 7.33 and exchange rate charged 6.95
Total cost (%)
7.21
Total cost (ZAR)sort descending
98.83
Firm
Mukuru
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
28.00
Exchange rate margin(%)
5.26
Percentage difference between market reference rate 7.35 and exchange rate charged 6.96
Total cost (%)
7.30
Total cost (ZAR)sort descending
100.06
Firm
Mukuru
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
28.00
Exchange rate margin(%)
5.26
Percentage difference between market reference rate 7.35 and exchange rate charged 6.96
Total cost (%)
7.30
Total cost (ZAR)sort descending
100.06
Firm
Mama Money
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
68.50
Exchange rate margin(%)
2.48
Percentage difference between market reference rate 7.30 and exchange rate charged 7.12
Total cost (%)
7.48
Total cost (ZAR)sort descending
102.48
Firm
Mama Money
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
68.50
Exchange rate margin(%)
2.48
Percentage difference between market reference rate 7.30 and exchange rate charged 7.12
Total cost (%)
7.48
Total cost (ZAR)sort descending
102.48
Firm
Mukuru
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Agent
Disbursing network coverage
High 
Fee
28.00
Exchange rate margin(%)
5.48
Percentage difference between market reference rate 7.36 and exchange rate charged 6.95
Total cost (%)
7.52
Total cost (ZAR)sort descending
103.08
Firm
Mukuru
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Agent
Disbursing network coverage
High 
Fee
28.00
Exchange rate margin(%)
5.48
Percentage difference between market reference rate 7.36 and exchange rate charged 6.95
Total cost (%)
7.52
Total cost (ZAR)sort descending
103.08
Firm
ABSA via Western Union
Firm type: Bank / Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
Medium 
Transfer speed
Receiving method
Disbursing network coverage
Medium 
Fee
204.92
Exchange rate margin(%)
0.89
Percentage difference between market reference rate 0.06 and exchange rate charged 0.06
Total cost (%)
15.85
Total cost (ZAR)sort descending
217.11
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Agent
Disbursing network coverage
High 
Fee
200.00
Exchange rate margin(%)
4.63
Percentage difference between market reference rate 7.30 and exchange rate charged 6.96
Total cost (%)
19.23
Total cost (ZAR)sort descending
263.43
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
200.00
Exchange rate margin(%)
4.63
Percentage difference between market reference rate 7.30 and exchange rate charged 6.96
Total cost (%)
19.23
Total cost (ZAR)sort descending
263.43
Firm
ABSA
Firm type: Bank
 
Payment instrument
Access point
Internet
Sending network coverage
Medium 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
280.00
Exchange rate margin(%)
2.11
Percentage difference between market reference rate 7.30 and exchange rate charged 7.15
Total cost (%)
22.55
Total cost (ZAR)sort descending
308.91
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Agent
Disbursing network coverage
High 
Fee
450.00
Exchange rate margin(%)
0.01
Percentage difference between market reference rate 0.06 and exchange rate charged 0.06
Total cost (%)
32.86
Total cost (ZAR)sort descending
450.14
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Agent
Disbursing network coverage
High 
Fee
450.00
Exchange rate margin(%)
0.01
Percentage difference between market reference rate 0.06 and exchange rate charged 0.06
Total cost (%)
32.86
Total cost (ZAR)sort descending
450.14
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High 
Transfer speed
Receiving method
Agent
Disbursing network coverage
High 
Fee
450.00
Exchange rate margin(%)
0.01
Percentage difference between market reference rate 0.06 and exchange rate charged 0.06
Total cost (%)
32.86
Total cost (ZAR)sort descending
450.14
Firm
ABSA
Firm type: Bank
 
Payment instrument
Access point
Bank branch
Sending network coverage
Medium 
Transfer speed
Receiving method
Disbursing network coverage
High 
Fee
450.00
Exchange rate margin(%)
2.30
Percentage difference between market reference rate 7.31 and exchange rate charged 7.15
Total cost (%)
35.15
Total cost (ZAR)sort descending
481.51
Total Average Third Quarter 2025
10.62
Total Average Second Quarter 2025
0
Total Average
Fee
105.60
Exchange Rate Margin (%)
2.92
Total Cost Percent (%)
10.62
Total Cost (ZAR)
145.55
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