receive dollars from
anywhere in the world

ZAR is free to download and free to sign up. Sending dollars to other ZAR users is free. When you receive local USD bank transfers over ACH, ZAR charges 0%. That's it. No hidden exchange rate markups, no withdrawal fees, no surprises. When you receive a wire transfer, we pass on the fee from our banking partner of $10 per incoming wire transfer.

No. Your USD stays as USD in your ZAR wallet until you decide otherwise. You can hold it, spend it directly, or convert to local currency whenever the rate works for you. There's no forced conversion and no expiry of your dollars. You're in full control of when and how much you convert.

Yes. Use your ZAR Dollar Spend Card to spend USD at any merchant that accepts Visa, online or in-store. You can also pay for subscriptions, shop internationally, or transfer to other ZAR users, all in USD without converting first. Your dollars stay as dollars until you choose otherwise.