With Due, sending and receiving payments is effortless. Access local ZAR accounts, transfer funds instantly, and manage international payments in one secure place, all with fair FX rates and minimal fees.
Minimal processing fees
Pay less than 0.5% to send or receive international payments, far below the 4–6% typically charged by traditional banks and remittance providers.
Faster settlement
Get your payments cleared in USDC or ZAR instantly or within 24 hours, whether you’re paying globally or receiving funds in South Africa.
Fair FX rates, always
Access real-time exchange rates with no hidden markups. Enjoy transparent conversions between ZAR, USD, EUR, and stablecoins.
Flexible funding
Top up your Due account via bank transfers, mobile wallets, or stablecoins, and access seamless conversions between ZAR and major currencies.
Virtual account numbers
Get local and international account details to receive payments, hold balances in multiple currencies, and withdraw globally at competitive rates.
Non-custodial security
Your funds stay protected with biometric security and full ownership through a self-hosted wallet, ensuring privacy and control at every step.
Mobile money
Send ZAR instantly through mobile-linked payment apps or bank wallets connected to PayShap.
Local bank transfers
Transfer to South African bank accounts via EFT or RTC for instant or same-day settlement.
SWIFT international transfers
Send USD, EUR, GBP, or ZAR globally through SWIFT with transparent FX and full tracking.
Stablecoin transfers
Fund in USDC, USDT, or EURC, convert at institutional FX, and settle locally in ZAR.
Real‑time payment methods
Use PayShap, South Africa’s instant payment network, for 24/7 domestic transfers.
Mobile wallets
Pay in through bank-linked wallets or digital apps, with instant settlement in ZAR.
Mobile money
Receive ZAR instantly via PayShap-enabled mobile apps or wallets.
Local bank transfers
Get funds to your South African bank account through EFT, RTC, or PayShap.
SWIFT international transfers
Receive USD, EUR, GBP, or ZAR through SWIFT, converted transparently to ZAR.
Stablecoin transfers
Accept USDC or EURC, automatically converted to ZAR and deposited locally.
Real‑time payment methods
Enjoy 24/7 instant transfers with PayShap, supported by all major banks.
Mobile wallets
Receive directly into bank-linked wallets or digital payment apps with immediate access.
Global compliance & trust you can always rely on
Licensed & regulated
We follow strict financial regulations, so your transfers meet international compliance standards.
KYC & AML protection
All accounts are verified to prevent fraud, ensuring your money moves safely and legally.
Data privacy first
Our processes align with international banking and payment rules, giving you trusted worldwide access.
Transfer money worldwide at internet speed with stablecoins – fast, simple, and secure in just three steps.

Open & verify
Enable ZAR payouts and SA beneficiaries.
Fund & quote
Bank or stablecoins → confirm landed FX.
Send money
We route PayShap/RTC by default; roll to EFT/SAMOS/SWIFT as needed. Track to completion.
FAQ: sending money to South Africa
Both are instant interbank rails. PayShap is the newer national scheme (launched in 2023); RTC has operated since 2006. Banks set limits and pricing.
For batch runs, payroll, or when bank/rail limits apply. EFT clears on cycles with cut-off times that determine same-day vs next-day posting.
SAMOS is the central bank’s RTGS. Use it for high-value or time-critical ZAR with same-day finality during operating hours.
Account name, bank, and account number (plus branch/“universal branch” code where required). South Africa doesn’t use IBAN for domestic ZAR.
Yes, set by each bank/rail. If a cap or maintenance window applies, we auto-route via EFT or SAMOS based on value and timing.



