I would highly recommend XE to anyone looking to transfer money to South Africa. The only reason I didnt give it 5 stars is due to the difficulty tracing a wire through its intermediary bank to determine what the fee that the intermediary bank charges before the funds come. I wire money to Johannesburg on a monthly basis and unfortunately XE has not been able to trace to funds to determine the fee. As a result, I never know the exact amount that will hit my account in SA and my bank typically sits on the funds for a while before depositing it. When I call the bank to inquire, the amount I provide to them doesnt actually match the amount that they receive so it is difficult for them to locate. It's usually short a dollar or two. Although I've had the same experience with other places I've used. Other than that. They are always friendly and usually give me the best exchange rate on Rand.