Zaro - Cross-border payments platform logo

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How It Works

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Features

How It Works

FAQ

Blog

Low FX spread
30-min transfers
No SWIFT fees
Bank-grade security

International Payments, no red tape

The cheapest and fastest way for South African businesses to make and receive international payments.

This will sound too good to be true...

But isn't this the way that money should work?

Low Spread

Transact at just a few cents difference from the real exchange rate - the one you see on Google. No hidden fees.

30-Minute Transfers

Receive funds from your customers in the overseas in 30 minutes or less. Yes, that's less than 30 minutes to receive funds from the US into your bank account in SA.

No SWIFT Fees

Say goodbye to SWIFT charges. Send international payments without the black box of SWIFT.

Enterprise Controls

Advanced team permissions, multi-user access, and bank-grade security for your business.

Getting Started Is Simple

Transform how your business moves money globally

1

Step 1

Sign Up & Complete KYB

Securely sign up and complete the Know Your Business (KYB) verification process, ensuring your business is fully compliant and protected.

2

Step 2

Fund Your Account

Deposit or receive funds into your ZAR and USD accounts with simple bank transfers.

3

Step 3

Make and Receive Payments

Do cross-border payments almost instantly. No SWIFT fees, low spreads and no hidden fees.

4

Step 4

Receive Cards

Receive debit cards denominated in ZAR and USD and get the low FX rates and fees you deserve.

Frequently Asked Questions

Everything you need to know about Zaro

Zaro is the cheapest and fastest way for South African businesses to make and receive international payments. We make cross-border transactions as easy as local EFTs.

Banks charge a spread on the exchange rate. If the actual rate is R19 to the USD, a bank will "sell" you a Dollar at R19.10. This spread can be as high as 25 cents per Dollar. Banks also change SWIFT fees and, sometimes, other transaction fees.

Zaro use blockchain-based stablecoins to process payments incredibly quickly and cheaply.

Yes, Zaro uses the highest standards of security and compliance. We work with the most secure and compliant payment partners to provide our services.

We currently support transfers between South Africa and the United States and Europe, including the UK. We are working on expanding to more countries soon and if you would like to see a specific country, please contact us.

Zaro cross-border payments platform logo

© 2025 Zaro. All rights reserved.

Banks are expensive, Zaro is not.

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