How to Send Money from South Africa to a Bank Account in Tanzania

Sending money from South Africa to a bank account in Tanzania is possible through international money-transfer providers and bank-linked payment services that support Tanzania as a receiving country.

The latest Bank of Tanzania National Payment Systems Annual Report shows that banks handled 1.45 million incoming remittance transactions worth TZS2,290.32 billion in 2025. Bank of Tanzania — National Payment Systems Annual Report 2025

Electronic-money issuers handled a separate 8.74 million incoming remittance transactions worth TZS1,753.97 billion in 2025. Bank of Tanzania — National Payment Systems Annual Report 2025

The figures show that both bank and digital-wallet channels are important to Tanzania's inbound payment market.

This guide focuses specifically on bank-account delivery.

The broader corridor is covered in how to send money from South Africa to Tanzania, while separate pages can cover M-Pesa, Airtel Money and other mobile-wallet routes.

South Africa to Tanzania Bank Transfer at a Glance

• 1.45 million — incoming bank-remittance transactions in Tanzania in 2025.

• TZS2,290.32 billion — value of incoming bank remittances in Tanzania in 2025.

• 14.63% — annual growth in incoming bank-remittance transaction volume in 2025.

• 21.01% — annual growth in incoming bank-remittance value in 2025.

• 8.74 million — incoming remittance transactions facilitated by electronic-money issuers in 2025.

• TZS1,753.97 billion — value of those incoming electronic-money remittances in 2025.

• 153.36% — annual growth in incoming electronic-money remittance transaction volume in 2025.

• 64.73% — annual growth in incoming electronic-money remittance value in 2025.

• 5.73 million — incoming cross-border mobile-payment transactions in Tanzania in 2025.

• TZS698.00 billion — value of incoming cross-border mobile payments in 2025.

• 32.76% — growth in incoming cross-border mobile-payment transaction volume in 2025.

• 33.45% — growth in incoming cross-border mobile-payment value in 2025.

• 7,959.40 million — total mobile-payment transactions in Tanzania in 2025.

• TZS255,133.96 billion — total mobile-payment value in Tanzania in 2025.

• 75,775,654 — active mobile-money users in Tanzania in 2025.

• 1,982,162 — mobile-money agents in Tanzania in 2025.

• 24.10% — annual growth in Tanzania's mobile-payment transaction volume in 2025.

• 28.30% — annual growth in Tanzania's mobile-payment transaction value in 2025.

• R25,000 — Mama Money first-transaction limit for Tanzania.

• R50,000 — Mama Money standard maximum per Tanzania order after activation.

• R100,000 — Mama Money upgraded monthly maximum.

• 5% or less — Mama Money's published Tanzania transfer fee.

• R1,000 — Mama Money example transfer amount.

• R10,000 — Mama Money second example transfer amount.

• R2,000 — Mukuru Lite monthly sending limit.

• R25,000 — Mukuru Core monthly sending limit.

• R2 million — Mukuru Max annual allowance for an eligible South African resident under its published rules.

These figures come from different sources.

Bank of Tanzania figures describe the national payments and remittance market.

Mama Money and Mukuru figures describe provider-specific rules.

They should not be treated as a single legal limit for the South Africa-to-Tanzania corridor.

Can You Send Money from South Africa to a Tanzanian Bank Account?

Yes.

WorldRemit's current Tanzania service supports bank transfers and says customers can send directly to a bank account in Tanzania. WorldRemit — Send Money to Tanzania

WorldRemit also says Tanzania bank-account payouts are made in Tanzanian shillings. WorldRemit — Send Money to Tanzania

Mama Money currently supports Tanzania transfers and says bank transfers can take about 5 hours on average, with some taking up to 48 hours depending on the recipient institution. Mama Money — Send Money to Tanzania

Which Providers Support South Africa to Tanzania?

The provider options can change.

WorldRemit currently supports Tanzania and lists bank transfers, cash pickup and mobile money among its receiving methods. WorldRemit — Send Money to Tanzania

Mama Money currently supports Tanzania from South Africa. Mama Money — Send Money to Tanzania

Mukuru also lists Tanzania among its available destinations for South African customers. Mukuru — Send Money

The exact bank-account options should be checked in the live provider flow.

For the wider corridor, see how to send money from South Africa to Tanzania.

How to Send Money from South Africa to a Bank Account in Tanzania

The exact screens vary by provider.

The underlying process is straightforward.

1. Choose a provider

Confirm that the provider accepts senders in South Africa.

Confirm that Tanzania is supported.

Then confirm that bank-account delivery is available.

2. Create and verify your account

International remittance services normally require customer verification.

WorldRemit says customers need to register and may need identity documents and a selfie before a transfer can be completed. WorldRemit — Send Money to Tanzania

Mama Money also requires identity verification as part of registration. Mama Money — Send Money to Tanzania

3. Select Tanzania

Choose Tanzania as the destination.

Then choose bank transfer or bank account as the receiving method.

4. Enter the beneficiary details

The recipient should provide the exact bank information.

This normally includes the account name and account number.

Depending on the provider and bank, additional information can include the bank name, branch, mobile number, address and other beneficiary information.

WorldRemit says Tanzania bank transfers require the receiver's details and bank information. WorldRemit — Send Money to Tanzania

5. Enter the sending amount

Enter the amount in South African rand.

The provider should show the expected payout in Tanzanian shillings.

6. Review the exchange rate

Check the ZAR-to-TZS rate.

Do not compare providers using the fee alone.

7. Check the final TZS payout

The final amount the recipient receives is the most useful comparison point.

8. Pay for the transfer

Depending on the provider, payment can be made by bank transfer, EFT, card or cash.

WorldRemit says customers can pay by bank transfer or debit and credit card where those methods are available. WorldRemit — Send Money to Tanzania

Mukuru supports cash, online or telephone banking and its Mukuru Card as payment options from South Africa. Mukuru — International Money Transfers

9. Track the payment

Keep the transaction reference.

Use it if the transfer is delayed.

What Bank Details Does the Recipient Need?

The exact information varies by provider.

The sender should normally have:

Full name.

Bank name.

Account number.

Branch information where required.

Mobile number.

Address where required.

The recipient should copy the information directly from the bank records.

Do not rely on memory.

Do not guess a branch code.

Which Tanzanian Banks Can Receive International Transfers?

The available bank list depends on the provider.

WorldRemit's Tanzania service supports bank transfers and publishes its available receiving options through its transfer flow. WorldRemit — Send Money to Tanzania

The safest approach is to check the live bank list before creating the transaction.

A bank being available through one provider does not mean every provider supports it.

Can You Send Money to a Tanzanian Savings Account?

Potentially, where the provider and receiving bank support that account type.

A bank-account transfer is different from a mobile-wallet payout.

Confirm the account type during the transfer setup.

The provider's current terms determine the available receiving account types.

Can You Send Money to a Tanzanian Business Account?

This depends on the provider.

Business-account payments can require additional information about the business and the purpose of the payment.

For a recurring supplier or commercial payment, a dedicated business-payment route may be more appropriate than a retail remittance service.

For the wider business-payment context, see cross-border payments in Africa.

What Currency Will the Recipient Receive?

WorldRemit says Tanzania bank-account transfers are paid in Tanzanian shillings.

The sender therefore pays in ZAR.

The provider handles the currency conversion.

The recipient receives TZS. WorldRemit — Send Money to Tanzania

How Much Does It Cost to Send Money to a Tanzania Bank Account?

There is no single South Africa-to-Tanzania bank-transfer fee.

The provider can charge a visible transfer fee.

It can also apply an exchange-rate margin.

Mukuru and Mama Money use their own pricing structures, while WorldRemit displays the fee and exchange rate during the transfer process. WorldRemit — Send Money to Tanzania

Mama Money currently advertises a Tanzania fee of 5% or less, depending on the amount.

Its published example shows a R50 fee on a R1,000 transfer.

A separate published example shows a R250 fee on a R10,000 transfer.

These are Mama Money prices.

They are not the universal cost of a South Africa-to-Tanzania bank transfer.

Why the Exchange Rate Matters

The fee is only one component of the cost.

A provider with a lower visible fee can still deliver less TZS if its exchange rate is weaker.

Compare the final TZS payout using the same ZAR sending amount.

That gives a more meaningful comparison.

For more on the wider cost of international transfers, see cross-border payments in South Africa.

How Long Does a Bank Transfer Take?

Delivery time varies.

Mama Money says bank transfers to Tanzania take about 5 hours on average and can take up to 48 hours depending on the recipient institution. Mama Money — Send Money to Tanzania

WorldRemit's Tanzania service says delivery depends on the receiving method and other transaction factors. WorldRemit — Send Money to Tanzania

A provider's published estimate is not a guarantee for every transaction.

Why Can a Bank Transfer Take Longer?

The sender's payment may not have cleared.

The beneficiary details may be incomplete.

The provider may request additional verification.

The receiving bank may need to process the payment.

Local operating hours can affect bank processing.

A public holiday can also affect delivery.

Can You Pay from a South African Bank Account?

Yes.

WorldRemit supports bank-account funding for South African senders. WorldRemit — Bank Account Transfer Payments

Mama Money also supports online banking and EFT payment. Mama Money — Send Money to Tanzania

Mukuru supports online or telephone banking as well. Mukuru — International Money Transfers

Can You Pay in Cash?

Yes, where the provider supports cash-funded orders.

Mama Money allows customers to pay cash at participating retail partners.

Its Tanzania page lists partners including Pick n Pay, Shoprite, Spar, Makro and Game. Mama Money — Send Money to Tanzania

Mukuru also supports cash payment through its retail network. Mukuru — International Money Transfers

Can You Use a Debit or Credit Card?

This depends on the provider.

WorldRemit says customers can use debit or credit cards where the payment method is available for the transfer. WorldRemit — Send Money to Tanzania

The exact funding methods displayed to a South African customer should be checked during the live transaction.

What Are the Sending Limits?

There is no single South Africa-to-Tanzania bank-transfer limit.

Provider limits apply.

Mama Money currently states R25,000 for the first Tanzania transaction.

After activation, it lists R50,000 per order.

It lists R100,000 per month after the applicable account upgrade.

Mukuru's published account rules state R2,000 per month for Lite, R25,000 per month for Core and up to R2 million per calendar year for an eligible South African resident on Max.

These are provider limits.

The receiving bank may have separate controls.

Why Are Limits Different?

The sending provider has its own KYC and risk controls.

South African account rules can also affect the amount a customer can send.

The receiving bank has its own processes.

The payment method can also change the permitted amount.

That is why the live quote matters more than a generic corridor number.

Does the Recipient Need to Have a Bank Account Before Sending?

Yes, for a normal direct-to-bank transfer.

The sender needs the beneficiary's bank-account information.

The account should be active and able to receive the payment.

Some providers can offer alternative methods when a recipient does not have a bank account.

For those routes, see how to send money from South Africa to M-Pesa Tanzania or how to send money from South Africa to Airtel Money Tanzania.

Bank Account or Mobile Money?

The right answer depends on the recipient.

A bank account can be useful for savings, formal payments and larger balances.

Mobile money can be convenient for day-to-day spending.

Tanzania's 2025 payment data show the scale of both channels.

Banks handled 1.45 million incoming remittance transactions.

Electronic-money issuers handled 8.74 million incoming remittance transactions.

The choice is therefore about the recipient's needs, not whether either channel exists.

Tanzania's Bank Remittance Market Is Growing

The Bank of Tanzania reports that incoming bank-remittance volume increased by 14.63% in 2025.

Incoming bank-remittance value increased by 21.01% in 2025.

The number of incoming bank-remittance transactions reached 1.45 million.

The value reached TZS2,290.32 billion.

The bank channel remains an important part of Tanzania's inbound remittance system.

Digital Remittances Are Growing Even Faster

Electronic-money issuers facilitated 8.74 million incoming remittance transactions in 2025.

The value reached TZS1,753.97 billion.

The transaction volume grew by 153.36%.

The transaction value grew by 64.73%.

The Bank of Tanzania attributes the expansion partly to stronger partnerships between mobile-money operators, money-transfer operators and international remittance hubs.

Tanzania's Domestic Mobile-Payment Network

The Bank of Tanzania recorded 7,959.40 million mobile-payment transactions in 2025.

Their value reached TZS255,133.96 billion.

Transaction volume increased by 24.10%.

Transaction value increased by 28.30%.

The same report recorded 75,775,654 active mobile-money users and 1,982,162 mobile-money agents.

These are domestic payment statistics.

They are not South Africa-to-Tanzania remittance statistics.

Cross-Border Mobile Payments Are Expanding

Tanzania recorded 5.73 million incoming cross-border mobile-payment transactions in 2025.

The value was TZS698.00 billion.

Volume increased by 32.76%.

Value increased by 33.45%.

The Bank of Tanzania says these flows cover the EAC, SADC region and the rest of the world.

This provides useful context for the wider South Africa-to-Tanzania payments market.

Tanzania's Regional Payment Infrastructure

Tanzania participates in regional settlement systems including EAPS and SADC-RTGS.

In 2025, Tanzania recorded 3,699 SADC-RTGS transactions worth ZAR1,200.13 million.

These are institutional settlement transactions.

They are not consumer bank remittances.

They demonstrate Tanzania's connection to broader regional payment infrastructure.

Tanzania's Instant-Payment Infrastructure

The Bank of Tanzania operates the Tanzania Instant Payment System, or TIPS.

The central bank says TIPS enables instant transfers between participating financial institutions and has been enhanced to facilitate international transfers and improve cross-border-payment affordability. Bank of Tanzania — Payment Systems

This infrastructure sits behind the wider movement toward interoperable digital payments.

What Information Should You Check Before Sending?

Confirm the beneficiary's full name.

Confirm the account number.

Confirm the bank name.

Confirm the account type.

Confirm any branch information.

Confirm the recipient's mobile number.

Confirm the reason for payment where required.

Then compare the final TZS amount.

Can a Transfer Be Reversed?

Do not assume so.

Once a bank transfer has been submitted, correcting beneficiary information can be difficult.

The provider may attempt a recall or correction.

The receiving bank may need to cooperate.

This is why the beneficiary details should be checked before payment.

Is It Safe to Send Money to a Bank Account?

Use the provider's official website or application.

Check its regulatory information.

Enter beneficiary details carefully.

Keep your transaction reference.

Do not share passwords, card PINs or authentication codes.

For a broader look at international payment safety and infrastructure, see cross-border payments in Africa.

What If the Recipient Does Not Receive the Money?

First check the transaction status.

Then verify that your South African payment was completed.

Confirm the beneficiary details.

Ask the recipient to check the bank account again.

If the transfer is marked complete but the funds are missing, contact the provider with the transaction reference.

Do not immediately send the money a second time.

Can You Send Money Without a South African Bank Account?

Yes, where a provider accepts cash-funded orders.

Mama Money supports cash payments through participating retail partners. Mama Money — Send Money to Tanzania

Mukuru also supports cash-funded transactions through its retail network. Mukuru — International Money Transfers

The payout can still be made to a Tanzanian bank account when the selected provider supports that destination method.

What About Larger Business Payments?

A business payment can require additional documentation.

The provider may ask for an invoice.

The bank may ask for the payment purpose.

The sender may need to provide source-of-funds information.

For recurring or high-value business payments, compare retail remittance services with dedicated business-payment providers and direct bank transfers.

South Africa to Tanzania Bank Transfer: Key Statistics

• 1.45 million — incoming bank-remittance transactions in Tanzania in 2025.

• TZS2,290.32 billion — incoming bank-remittance value in 2025.

• 14.63% — annual growth in incoming bank-remittance volume.

• 21.01% — annual growth in incoming bank-remittance value.

• 8.74 million — incoming electronic-money remittance transactions in 2025.

• TZS1,753.97 billion — incoming electronic-money remittance value in 2025.

• 153.36% — growth in incoming electronic-money remittance volume.

• 64.73% — growth in incoming electronic-money remittance value.

• 5.73 million — incoming cross-border mobile-payment transactions in 2025.

• TZS698.00 billion — incoming cross-border mobile-payment value in 2025.

• 32.76% — growth in incoming cross-border mobile-payment volume.

• 33.45% — growth in incoming cross-border mobile-payment value.

• 7,959.40 million — total mobile-payment transactions in 2025.

• TZS255,133.96 billion — total mobile-payment value in 2025.

• 75,775,654 — active mobile-money users in 2025.

• 1,982,162 — mobile-money agents in 2025.

• R25,000 — Mama Money first Tanzania transaction limit.

• R50,000 — Mama Money standard maximum per Tanzania order.

• R100,000 — Mama Money upgraded monthly maximum.

• 5% or less — Mama Money published Tanzania transfer fee.

• R2,000 — Mukuru Lite monthly limit.

• R25,000 — Mukuru Core monthly limit.

• R2 million — Mukuru Max annual allowance for an eligible South African resident.

Frequently Asked Questions

Can I send money from South Africa to a Tanzanian bank account?

Yes. Supported international remittance providers can send funds from South Africa to eligible bank accounts in Tanzania.

Which providers support the route?

WorldRemit, Mama Money and Mukuru currently support Tanzania transfers from South Africa, although the exact receiving bank and payout options can differ by provider.

What currency does the recipient receive?

WorldRemit's current Tanzania service says bank-account transfers are paid in Tanzanian shillings.

How long does a bank transfer take?

Mama Money says Tanzania bank transfers take about 5 hours on average and can take up to 48 hours depending on the recipient institution. Provider and bank processing can vary.

How much does it cost?

There is no single corridor-wide fee. Mama Money currently advertises a 5% or less fee for Tanzania transfers, while the exchange rate also affects the recipient's final TZS payout.

Can I pay from a South African bank account?

Yes. WorldRemit, Mama Money and Mukuru all support bank-funded payment methods for South African customers, subject to their current terms.

Can I pay cash?

Yes, where the provider supports cash-funded orders. Mama Money and Mukuru both provide cash payment channels in South Africa.

Is there a sending limit?

Yes, but the limit depends on the provider and account tier. Mama Money and Mukuru publish their own limits.

Can I send money to a business bank account?

Potentially. Provider and bank requirements can be different for business payments and may include additional documentation.

Is a bank account better than mobile money?

It depends on the recipient. A bank account can be better for formal banking and larger balances, while mobile money can be more convenient for everyday spending.

What should I compare?

Compare the ZAR amount paid, transfer fee, exchange rate, final TZS amount, delivery time and sending limit.

The Bottom Line

Sending money from South Africa to a bank account in Tanzania is a well-established cross-border payment use case.

The latest Bank of Tanzania data show that banks handled 1.45 million incoming remittance transactions worth TZS2,290.32 billion in 2025.

Electronic-money issuers handled 8.74 million incoming remittance transactions worth TZS1,753.97 billion.

The wider domestic system processed 7,959.40 million mobile-payment transactions worth TZS255,133.96 billion.

For the sender, the process is simple.

Choose a provider.

Verify your identity.

Enter the recipient's bank details.

Enter the ZAR amount.

Check the exchange rate.

Check the final TZS payout.

Pay.

Then track the transaction.

Provider terms still matter.

Mama Money currently lists R50,000 per order and R100,000 per month after its applicable account upgrade.

Mukuru's published rules allow eligible South African residents up to R2 million per calendar year under its Max account.

These are provider-specific limits.

They are not a universal South Africa-to-Tanzania legal limit.

For the broader corridor, see how to send money from South Africa to Tanzania.

For mobile-wallet alternatives, see send money from South Africa to M-Pesa Tanzania and send money from South Africa to Airtel Money Tanzania.

For the wider payment market, see cross-border payments in South Africa.

The most important rule is simple.

Do not compare fees alone.

Compare the final amount the recipient receives in Tanzanian shillings.