CAD to ZAR Exchange Rate & Bank Wire Fee Comparison (2026)
Convert Canadian Dollar (CAD) to South African Rand (ZAR). The live interbank midpoint rate is 1 CAD = 12.7437 ZAR. Compare hidden currency conversion spreads across major international wire systems.
CAD to ZAR Real-Time Calculator
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CAD to ZAR Historical Exchange Rates
Official central bank reference rates across 30-day, quarterly, and annual lookbacks.
| Period | Interbank Midpoint | Yield on C$1,000 | Trend / Variance |
|---|---|---|---|
| Today (Interbank Midpoint) | 1 CAD = 12.7437 ZAR | R12,743.68 | Current Live Rate |
| 30 Days Ago | 1 CAD = 12.6927 ZAR | R12,692.71 | +0.4% (Higher) |
| 90 Days Ago (Quarterly) | 1 CAD = 12.8966 ZAR | R12,896.61 | -1.2% (Lower) |
| 180 Days Ago (Half-Year) | 1 CAD = 12.4761 ZAR | R12,476.06 | +2.1% (Higher) |
| 1 Year Ago (52W Midpoint) | 1 CAD = 12.7437 ZAR | R12,743.68 | +0.0% vs Annual Baseline |
CAD to ZAR Delivery & Settlement Windows
Estimated delivery windows based on standard clearing rails and banking cut-off schedules.
Local Automated Clearing
Transfers settling through local domestic rails (RTC / PayShap / Account Number) typically clear within hours during standard operating windows.
Correspondent Banking
Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.
Cut-off & Holiday Factors
Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.
Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (RTC / PayShap / Account Number). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.
Global FX Market Trading Sessions & Real-Time Liquidity Clock
Live status of the four major international interbank wholesale currency dealing desks (UTC standard).
ℹ️ Market Operational Notice: Institutional trading sessions reflect international wholesale dealing hours. Retail bank wire transfers execute according to the sending and receiving commercial banks local business day cut-off calendars. For educational and liquidity timing analysis only.
Required Details to Wire CAD to ZAR
Make sure you have these exact payment credentials before initiating your transfer.
Beneficiary Full Name
Exact match as registered on recipient bank account.
RTC / PayShap / Account Number
IBAN, Account Number, or local domestic routing code.
SWIFT / BIC Code
8 or 11 character identifier of the recipient's bank branch.
Payment Reference
Invoice number or descriptive reference for AML compliance.
CAD vs ZAR: Central Bank Policy & Inflation Matrix
Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.
Canadian Dollar (CAD)
Bank of Canada (BoC)
4.25%
Benchmark rate2.4%
Consumer pricesSouth African Rand (ZAR)
South African Reserve Bank (SARB)
8.0%
Benchmark rate4.4%
Consumer pricesMacroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Bank of Canada (BoC), South African Reserve Bank (SARB)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.
CAD to ZAR Historical Exchange Rate Chart
Real-time interbank rate trajectory across standard historical observation periods.
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R12.7437
⚖️ Historical Data Disclaimer: Historical exchange rate trajectory is synthesized from official central bank reference fixes and interbank mid-market fixes. Past foreign exchange movements do not predict future trends. For informational, educational, and analytical benchmarking purposes only.
52-Week Exchange Rate Position
Compare Wire Transfer Costs: CAD to ZAR
Estimates based on standard retail bank margins vs direct interbank rail settling.
Direct Midpoint Rail
0.0% Rate Markup (Interbank)
R12,743.68
Maximum Yield
Commercial Banks
~3.2% Hidden FX Margin
R872.53
-Lost to Hidden Margin
Global Wallets
3.5% Currency Spread
R887.41
Closed loop balance
Cash Remittance
Retail Spread + Cash Fee
R896.12
Physical cash pickup
Traditional Bank Wire Cost Itemization (CAD to ZAR)
See how retail banks charge upfront wire fees, SWIFT intermediary deductions, and currency markup.
Fixed outgoing international wire tariff charged by retail banks.
Charged by routing banks under standard SWIFT SHA/BEN clearing rules.
Typical 2.8% markup added on top of the interbank midpoint.
🔒 Benchmarking Methodology & Regulatory Notice: The simulated fee itemization reflects empirical retail banking wire pricing standards reported under the G20 Financial Stability Board cross-border payment targets and World Bank Remittance Prices Worldwide dataset. SWIFT correspondent deductions depend on whether the transfer is initiated as OUR, SHA, or BEN, and intermediary routing hops. WireCompare is an independent analytical benchmark engine, not a regulated bank.
CAD to ZAR Fast Conversion Matrix
Direct interbank rate values compared against typical commercial bank payouts.
🇨🇦 CAD to 🇿🇦 ZAR
1 CAD = 12.7437 ZAR| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| C$1 CAD | R12.74 ZAR | R0.00 | -R247.13 |
| C$5 CAD | R63.72 ZAR | R0.00 | -R248.76 |
| C$10 CAD | R127.44 ZAR | R0.00 | -R250.80 |
| C$25 CAD | R318.59 ZAR | R61.68 | -R256.91 |
| C$50 CAD | R637.18 ZAR | R370.08 | -R267.11 |
| C$100 CAD | R1,274.37 ZAR | R986.87 | -R287.50 |
| C$250 CAD | R3,185.92 ZAR | R2,837.25 | -R348.67 |
| C$500 CAD | R6,371.84 ZAR | R5,921.22 | -R450.62 |
| C$1,000 CAD | R12,743.68 ZAR | R12,089.17 | -R654.52 |
| C$5,000 CAD | R63,718.41 ZAR | R61,432.70 | -R2,285.71 |
| C$10,000 CAD | R127,436.82 ZAR | R123,112.12 | -R4,324.70 |
🇿🇦 ZAR to 🇨🇦 CAD (Reverse)
1 ZAR = 0.0785 CAD| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| R1 ZAR | C$0.08 CAD | C$0.00 | -C$1.52 |
| R5 ZAR | C$0.39 CAD | C$0.00 | -C$1.53 |
| R10 ZAR | C$0.78 CAD | C$0.00 | -C$1.54 |
| R25 ZAR | C$1.96 CAD | C$0.38 | -C$1.58 |
| R50 ZAR | C$3.92 CAD | C$2.28 | -C$1.64 |
| R100 ZAR | C$7.85 CAD | C$6.08 | -C$1.77 |
| R250 ZAR | C$19.62 CAD | C$17.47 | -C$2.15 |
| R500 ZAR | C$39.23 CAD | C$36.46 | -C$2.77 |
| R1,000 ZAR | C$78.47 CAD | C$74.44 | -C$4.03 |
| R5,000 ZAR | C$392.35 CAD | C$378.28 | -C$14.07 |
| R10,000 ZAR | C$784.70 CAD | C$758.07 | -C$26.63 |
12.7437
1 CAD = R12.7437
0.0785
1 ZAR = C$0.0785
11.7242 - 13.7632
Annual volatility band
RTC / PayShap / Account Number
Clearing rail for ZAR