Ozow fees
Ozow's published rates for South Africa, as we checked them. Each fee is worked out at three amounts, so you can see where a fixed fee or a cap starts to matter.
We earn nothing from Ozow. It is ranked on the same numbers as everyone else.
Ozow fees in South Africa
| Applies to | Rate | Fee on R100 | Fee on R1,000 | Fee on R10,000 | Settlement time | Limits |
|---|---|---|---|---|---|---|
| Customers pay by bank | 1.5%, min R1.00 Provider fee page, 22 Oct 2026 Pay by bank. No monthly or setup fees on Standard. Also covers Capitec Pay, Nedbank Direct EFT, Absa Pay and PayShap Request. There is no minimum amount, and no cap on the fee. On weekends and public holidays the limit is R250,000 a transaction. Settlement is next day. | R1.50 | R15.00 | R150 | 1 day Provider fee page, 22 Oct 2026 | Not yet verified |
| Customers pay by card | 2.9%, min R1.00 Provider fee page, 22 Oct 2026 Local cards: 2.85% for transactions up to R249,999.99, 2.75% from R250,000 and 2.65% from R500,000 up to R1,000,000, with a minimum fee of R1 and no cap. | R2.85 | R28.50 | R285 | 1 day Provider fee page, 22 Oct 2026 | Not yet verified |
| Customers pay by international card | 3.5%, min R1.00 Provider fee page, 22 Oct 2026 | R3.50 | R35.00 | R350 | 1 day Provider fee page, 22 Oct 2026 | Not yet verified |
How these fees are worked out
Each fee applies the published rate to the amount in the column heading, including any fixed fee, minimum or cap. Conditions in the notes, such as a waiver below a minimum or a cheaper rate at higher volume, can change what you pay. VAT and other taxes, setup and monthly fees and payout charges are not included, so check them on Ozow's own pages before you sign up.
Where these rates come from
- Provider fee page, 22 Oct 2026 · Open source