The cheapest and fastest way for South African businesses to make and receive international payments.
This will sound too good to be true...
Trade at the real exchange rate with spreads as low as 0 cents—no markup, no hidden costs.
Say goodbye to SWIFT charges. Send international payments without traditional banking fees.
Experience lightning-fast international payments with settlement times as low as 30 minutes.
Advanced team permissions, multi-user access, and bank-grade security for your business.
but isn't this the way that money should work?
How It Works
Zaro makes international payments easier than a local EFT.
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Sign Up & Complete KYB
Securely sign up and complete the Know Your Business (KYB) verification process, ensuring your business is fully compliant and protected.
Fund Your Account
Deposit or receive funds into your ZAR and USD accounts with simple bank transfers.
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Make and Receive Payments
Do cross-border payments at the actual spot exchange rate. No hidden fees.
Receive Cards
Receive debit cards denominated in ZAR and USD and get the low FX rates you deserve.
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Everything you need to know about Zaro
Zaro allows South African businesses to make and receive international payments with zero fees, making 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.
Yes. It really is free.
We do not charge any SWIFT fee or 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. Stripe, Circle, Coinbase and others are all used to process payments.
We currently support transfers between South Africa and the United States and Europe. We are working on expanding to more countries soon and if you would like to see a specific country, please contact us.
Transfers can take as little as 30 minutes and as long as 24 hours.