TorFX
The most money arrives: $970,699.85, after a No fee fee and the exchange-rate margin.
Pays the most to Bank deposit: $970,699.85.
Lowest upfront fee (No fee) — the exchange rate still decides what arrives.
Transfer comparison
Compare today's fees, exchange rates, delivery times and recipient amounts across 6 providers.
Rates updated 7 hours ago
Ranked by what your recipient actually gets.
| Provider | Recipient gets | Fee | Rate | Delivery | Best for | |
|---|---|---|---|---|---|---|
|
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$970,699.85 | No fee | 194.1400 | Minutes to 2 days | Most money received Best for Bank deposit | Send with TorFX (opens in a new tab) |
|
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$969,341.25 $1,359 less | R1.99 | 193.9454 | 1-3 days | Best for Mobile money Best for Cash pickup | Send with XE (opens in a new tab) |
|
|
$967,490.12 $3,210 less | R26.50 | 194.5290 | Seconds to 2 business days | Fastest delivery | Send with Wise (opens in a new tab) |
|
|
$964,479.96 $6,220 less | R1.99 | 192.9728 | Minutes to 3 days | Best for Digital wallet | Send with WorldRemit (opens in a new tab) |
|
|
$962,918.69 $7,781 less | No fee | 192.5837 | Minutes to 1 business day | Bank deposit · Cash pickup · Mobile money | Send with Western Union (opens in a new tab) |
|
|
$962,150.28 $8,550 less | R3.99 | 192.5837 | Minutes (Express) / 1–3 days (Economy) | Bank deposit · Cash pickup · Mobile money | Send with Remitly (opens in a new tab) |
Amounts are estimates based on the mid-market reference rate and each provider's published or typical pricing. The final amount is confirmed by the provider at checkout.
The most money arrives: $970,699.85, after a No fee fee and the exchange-rate margin.
Pays the most to Bank deposit: $970,699.85.
Lowest upfront fee (No fee) — the exchange rate still decides what arrives.
Quickest to arrive: Seconds to 2 business days.
Pays the most to Mobile money: $969,341.25.
Pays the most to Cash pickup: $969,341.25.
Pays the most to Digital wallet: $964,479.96.
"Best overall" means the most money reaches your recipient after the transfer fee and the exchange-rate margin. Commission and sponsorship never change the order. Some figures are estimates — confirm the final amount on the provider's screen.
After fees and exchange-rate costs, your recipient gets about $970,700
Choosing TorFX over Remitly puts $8,550 more in your recipient's hands on this transfer.
Where your money goes with TorFX
Rate offered: 1 ZAR = 194.1400 COP. Mid-market: 194.5290.
Every transfer has two costs: the fee you see up front, and the exchange-rate margin — the gap between the rate you get and the mid-market rate. Add them together and you have the true price.
Western Union charges no transfer fee — yet its exchange rate leaves your recipient $7,781 less than TorFX. A $0 fee is not the same as the cheapest transfer.
Only methods offered by the providers above.
4 providers
6 providers
4 providers
1 provider
Compare the options above and pick the one that fits your priority. For the most money arriving, that's TorFX today ($970,700).
Enter R5,000 as the amount you send and add your recipient's details exactly as they appear on their ID or account.
Select Mobile money, Bank deposit, Cash pickup, Digital wallet — whichever your recipient can use.
Check the final amount on the provider's confirmation screen, pay, then track the transfer until it arrives.
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Today the total cost — transfer fee plus exchange-rate margin — ranges from R10.00 with TorFX to R53.95 with Remitly across the 6 providers we compare.
TorFX is the cheapest overall today: your recipient gets $970,699.85 after a No fee fee. That counts the exchange rate as well as the fee, so it can differ from the provider with the lowest advertised fee.
Between $962,150 and $970,700 depending on the provider, at today's rates. At the mid-market rate with no costs at all, R5,000 would be $972,645.
Wise is the quickest, delivering seconds to 2 business days. Bank deposits can take longer than mobile money or cash pickup, and a first transfer may be held for identity checks.
Yes. 4 providers pay out to Mobile money, including XE, WorldRemit, Western Union. XE pays the most: $969,341.25. Mobile money accounts have transaction and daily limits set by the operator, so check them before sending a large amount.
TorFX gives your recipient $1,359 more than XE today ($970,699.85 against $969,341.25). Rates change, so compare again on the day you send.
Yes. 6 providers we compare deposit into bank accounts in Colombia. TorFX pays the most: $970,699.85. Bank deposits are often slower than mobile money.
All 6 providers we compare accept R5,000 on this route. Larger transfers can also trigger extra identity or source-of-funds checks.