Navigating South Africa’s Exchange Control Rules: How to Legally Send Money to Europe

Practical Tips for Planning European Transfers

When sending money from South Africa to Europe, a little planning can go a long way in helping you stay compliant, save on fees, and avoid delays.

Here are some helpful tips:

  • Track your annual sending total to ensure you remain within the R1 million Single Discretionary Allowance. Keeping a record of your transfers helps avoid unintentional breaches.
  • Plan ahead if you need to send more than R25,000 in a single month. Mama Money allows you to upgrade your limit to R50,000 per transaction and R100,000 per month—just ensure you start the upgrade process early to avoid any delays.
  • Use the Mama Money app to check your current limits, track transfers, and apply for increases when needed. It's a convenient way to manage your sending activity in one place.
  • Always verify exchange rates before sending. Currency fluctuations can impact how much your recipient receives, so it's worth checking for a favourable rate before confirming your transfer.
  • Avoid informal or unregulated channels. These may seem cheaper, but they can put your money at risk and violate exchange control laws, leading to penalties or loss of funds.

With the right planning and a trusted provider like Mama Money, sending money to Europe can be simple, safe, and fully compliant.

Stay Informed, Stay Compliant, Send with Confidence

Sending money from South Africa to Europe doesn't have to be complicated. With a clear understanding of exchange control rules and a trusted provider like Mama Money, you can transfer funds with ease, knowing you're fully compliant and protected.

Mama Money gives you peace of mind through:

  • Transparent sending limits
  • Compliance with SARB regulations
  • A user-friendly app that lets you manage your transfers, check exchange rates, and upgrade your limits—anytime, anywhere.

Whether you're supporting loved ones, paying for education, or handling personal expenses abroad, Mama Money is built to make international transfers simple, affordable, and secure.

Ready to send money to Europe—legally and safely?

Visit our Europe page to check your sending limit and start your first transfer, or download the Mama Money app today to send money with confidence and convenience.

Need Help? Mama is Here

To learn more about how to send money from South Africa, follow Mama Money and discover all about our international money transfer services via:

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If you have any questions not covered above, please get in touch with Mama via WhatsApp:

  1. Customer Support:  https://wa.me/+27648028428
  2. Mama Money Send: (+27) 60 091 5591
  3. Mama Money Card: (+27) 60 091 5591