Calculate the exact arrival time of your South Africa domestic or international bank transfer.
Select your sending and receiving banks, choose a payment method, and enter the time you're making the transfer.
Three simple steps to find out when your money will arrive.
Choose the bank you're sending money from and the bank that will receive it.
Select your preferred payment method from the options available in South Africa.
Tell us when you're sending the payment and we'll calculate exactly when the funds will arrive.
Understanding the main ways to send money between bank accounts in South Africa.
South Africa's instant payment system enabling real-time transfers via proxy (phone number, email). Available 24/7.
Same-day electronic fund transfer processed during business hours. Faster than standard EFT.
Standard South African interbank transfer. Processed in 1-2 business days via BankservAfrica.
| Payment Method | Speed | Availability | Max Amount | Cost |
|---|---|---|---|---|
| PayShap | Instant (seconds) | 24/7, 365 days | R3,000 per transaction | Free / R1-R5 |
| RTC (Real-Time Clearing) | Same day | Business days | R5,000,000 | R5 โ R30 |
| EFT (Electronic Fund Transfer) | 1-2 business days | Business days only | No limit | Free / low cost |
Our calculator covers all major banks in South Africa.
Sample calculations based on typical bank processing times.
| Transfer | Method | Sent | Arrives | Note |
|---|---|---|---|---|
| Standard Bank → FNB (First National Bank) | PayShap | Monday 10:00 | Monday instantly | 24/7 available |
| ABSA → Nedbank | RTC (Real-Time Clearing) | Tuesday 14:00 | Tuesday/Wednesday | Business days |
| Capitec Bank → Investec | PayShap | Saturday 21:00 | Saturday instantly | Weekend available |
Understanding bank transfer times in South Africa is essential for financial planning.
Everything you need to know about bank transfers in South Africa.
Transfer times in South Africa depend on the method used. PayShap is typically the fastest, delivering funds in seconds. Standard transfers take 1-2 business days. Use our calculator for estimates specific to your banks.
PayShap typically operates 24/7, including weekends and public holidays. Standard bank transfers only process on business days (Monday-Friday, excluding public holidays).
Fees vary by bank and transfer method. PayShap is often free or very low cost. Standard transfers may incur small fees. International SWIFT transfers typically cost R10-50 equivalent.
International SWIFT transfers from South Africa typically take 1-5 business days depending on the destination. SEPA transfers (if available) to European countries arrive within 1 business day.