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South African Rand (ZAR) is the currency of South Africa, issued by the South African Reserve Bank. Track any ZAR cross-border SWIFT payment free with Ohmyfin — paste your UETR or bank reference to see the live status.
ZAR settles via SAMOS (the SARB RTGS). International ZAR uses SWIFT MT103, with ABSA, Standard Bank, FNB and Nedbank as main correspondents.
Typical processing time: 1-2 business days; SARB exchange-control checks may add a day.
On a SWIFT MT103, the ZAR amount appears in field 32A together with the value date. The currency code is part of the ISO 4217 standard, so "ZAR" means the same thing in every bank in the world.
If your ZAR payment is missing or stuck, the most common reasons are correspondent-bank cut-off times, sanctions screening on the beneficiary or originator, or a missing field on the MT103 (purpose-of-payment, beneficiary address). Ohmyfin shows you exactly where the payment is in the chain.
| ISO 4217 code | ZAR |
|---|---|
| Full name | South African Rand |
| Country / region | South Africa |
| Central bank | South African Reserve Bank |
| Typical SWIFT speed | 1-2 business days; SARB exchange-control checks may add a day. |
1-2 business days; SARB exchange-control checks may add a day.
Yes — paste your UETR or MT103 reference and Ohmyfin returns the latest available SWIFT status of any ZAR payment, including which correspondent bank holds it.
The beneficiary IBAN or account number, the beneficiary bank BIC (SWIFT code), and the beneficiary name and address. For larger amounts, a purpose-of-payment code is usually required.
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