{
  "title": "SwapSift crypto exchange data: South Africa — VALR",
  "description": "Availability, Financial Sector Conduct Authority (FSCA) licence status, fees, ZAR deposit and withdrawal rails, USDT networks and KYC for 7 crypto exchanges serving South Africa, each value with its official source, verification date and re-check date.",
  "url": "https://swapsift.com/en-za/data/exchanges/valr.json",
  "market": {
    "id": "za",
    "name": "South Africa",
    "currency": "ZAR",
    "regulator": "Financial Sector Conduct Authority (FSCA)"
  },
  "license": {
    "name": "CC BY 4.0",
    "url": "https://creativecommons.org/licenses/by/4.0/",
    "note": "Compiled data © SwapSift, licensed under CC BY 4.0: reuse is allowed with attribution. Text quoted from exchanges, regulators and other third parties (source titles and notes) remains theirs."
  },
  "attribution": "SwapSift (https://swapsift.com/en-za/data/)",
  "methodology": "https://swapsift.com/en/methodology/",
  "generatedAt": "2026-10-07",
  "dataVerifiedFrom": "2026-09-27",
  "dataVerifiedThrough": "2026-10-04",
  "nextTransitionAt": "2026-11-03",
  "fields": {
    "availability": "Whether residents of the market can open an account: available, restricted or unavailable.",
    "licenseStatus": "Status with the market regulator as read in its register: licensed, registered, pending, not-licensed or not-found-in-register.",
    "licenseReference": "The licence reference (for South Africa the FSCA FSP number) and its category.",
    "products": "Products offered to residents (spot, futures, margin, staking, earn, p2p, otc, savings).",
    "fiatCurrencies": "Fiat currencies the account can hold or trade.",
    "depositMethods": "Ways to deposit fiat money.",
    "withdrawalMethods": "Ways to withdraw fiat money.",
    "fees.makerPercent": "Entry-tier maker fee in percent on the main fiat pairs; not applicable where prices are quoted instead of traded on an order book.",
    "fees.takerPercent": "Entry-tier taker fee in percent on the main fiat pairs (same scope as the maker fee).",
    "fees.tradingFeeNote": "How the trading fee is structured (tiers, pair classes, quote pricing).",
    "fees.fiatDepositFee": "Fee for depositing fiat money, per rail where it differs.",
    "fees.fiatWithdrawalFee": "Fee for withdrawing fiat money to a bank account.",
    "fees.cryptoWithdrawalFeeNote": "How crypto withdrawal fees are set (fixed per asset, dynamic or quoted).",
    "kycSummary": "Identity documents and verification levels required.",
    "facts.pricingModel": "order-book, quote-based (the cost sits in the quoted price) or hybrid.",
    "facts.feeSchedule": "Entry-tier maker/taker per pair class (for example crypto/ZAR, stablecoin/ZAR, crypto/crypto).",
    "facts.zarDeposits": "Rand can be deposited from a South African bank account.",
    "facts.zarWithdrawals": "Rand can be withdrawn to a South African bank account.",
    "facts.spotTrading": "Spot trading is offered.",
    "facts.derivativesTrading": "Futures, options or margin products are offered.",
    "facts.instantBuy": "Pricing of the one-tap buy/sell screen, where one exists.",
    "facts.depositFees": "Rand deposit rails with their fees and limits.",
    "facts.withdrawalFees": "Rand withdrawal rails with their fees and limits.",
    "facts.minimumDeposit": "Smallest rand deposit accepted, when published.",
    "facts.minimumWithdrawal": "Smallest rand withdrawal accepted, when published.",
    "facts.supportedNetworks": "Networks the exchange publishes withdrawal fees for, and whether the fees are dynamic.",
    "facts.feeVariesByPair": "Whether entry-tier rates differ by pair class.",
    "facts.usdtPairs": "Markets quoted in USDT against the local currency.",
    "facts.usdtDepositNetworks": "Networks on which USDT can be deposited.",
    "facts.usdtWithdrawalFees": "USDT withdrawal fee and minimum per network (fixed or variable).",
    "facts.usdtMinimumWithdrawal": "Smallest USDT withdrawal, when published.",
    "facts.zarDepositProcessing": "How long a rand deposit takes to reflect, as the exchange states it.",
    "facts.depositReferenceRule": "The payment reference a rand deposit must carry.",
    "facts.zarWithdrawalProcessing": "When rand withdrawals are processed, as the exchange states it.",
    "facts.wrongNetworkRecovery": "What the exchange publishes about recovering crypto sent on the wrong network.",
    "facts.btcZarMarket": "Whether a BTC/ZAR order book is trading, halted or not listed (a rand purchase is then quoted, or not offered)."
  },
  "exchange": {
    "id": "valr",
    "name": "VALR",
    "officialUrl": "https://www.valr.com/",
    "profileUrl": "https://swapsift.com/en-za/exchanges/valr/",
    "dataUrl": "https://swapsift.com/en-za/data/exchanges/valr.json",
    "verificationStatus": "verified",
    "lastVerifiedAt": "2026-10-03",
    "regulator": "Financial Sector Conduct Authority (FSCA)",
    "facts": [
      {
        "field": "availability",
        "category": "availability",
        "value": "available",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2027-01-02",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360020320351-Which-countries-does-VALR-support",
        "sourceTitle": null,
        "sourceAsOf": "2026-06-05",
        "note": "South Africa is not on the list of countries whose residents VALR cannot serve (article edited 5 June 2026). Its terms of service (effective 13 September 2026) tell South African customers they contract with VALR (Pty) Ltd, registration 2018/211274/07, incorporated in South Africa."
      },
      {
        "field": "licenseStatus",
        "category": "regulation",
        "value": "licensed",
        "status": "verified",
        "verifiedAt": "2026-09-27",
        "staleFrom": "2026-12-27",
        "sourceUrl": "https://www.fsca.co.za/_api/cr3ad_regulatoryframes(94942cc4-0238-f111-88b3-000d3a64fb06)/cr3ad_document/$value",
        "sourceTitle": null,
        "sourceAsOf": "2026-03",
        "note": "Entry 280 of the FSCA list of licensed CASPs titled March 2026: VALR (PTY) LTD, Category I & II."
      },
      {
        "field": "licenseReference",
        "category": "regulation",
        "value": "FSP 53308 (FSCA, Category I & II)",
        "status": "verified",
        "verifiedAt": "2026-09-27",
        "staleFrom": "2026-12-27",
        "sourceUrl": "https://www.fsca.co.za/_api/cr3ad_regulatoryframes(94942cc4-0238-f111-88b3-000d3a64fb06)/cr3ad_document/$value",
        "sourceTitle": null,
        "sourceAsOf": "2026-03",
        "note": "Futures are provided by group entity VALR DAM (Pty) Ltd, which VALR states holds FSP 54897 (not on the FSCA CASP list titled March 2026)."
      },
      {
        "field": "products",
        "category": "products",
        "value": [
          "spot",
          "futures",
          "margin",
          "staking",
          "earn",
          "otc"
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-12-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": null,
        "sourceAsOf": "2026-09-21",
        "note": "The fee schedule (edited 21 September 2026) lists spot tiers, perpetual-futures tiers, borrowing against collateral and OTC volume; staking is the Steady Returns product (SOL, AVAX and TRX). Futures need a fully verified account and a sub-account and are offered in \"qualifying jurisdictions\" (futures guide, edited 3 December 2025); the Futures Terms (effective 4 July 2026) say they may be restricted in some jurisdictions or for some account holders."
      },
      {
        "field": "fiatCurrencies",
        "category": "rails",
        "value": [
          "ZAR"
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": null,
        "sourceAsOf": "2026-09-21",
        "note": "USD (SWIFT) and EUR (SWIFT or SEPA) deposits are credited as USDC and EURC stablecoins rather than fiat balances, through a VALR subsidiary, for eligible customers (VALR deposit articles edited 3 July 2026)."
      },
      {
        "field": "depositMethods",
        "category": "rails",
        "value": [
          "eft",
          "card",
          "crypto"
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": null,
        "sourceAsOf": "2026-09-21",
        "note": "ZAR via EFT (free, no minimum) or South African card (3.9 %); crypto deposits free."
      },
      {
        "field": "withdrawalMethods",
        "category": "rails",
        "value": [
          "bank-transfer",
          "crypto"
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360028320512",
        "sourceTitle": null,
        "sourceAsOf": "2023-01-20",
        "note": "ZAR withdrawals only to a South African bank account in the account holder’s own name; normal or fast (RTC) withdrawals."
      },
      {
        "field": "fees.makerPercent",
        "category": "fees",
        "value": 0.18,
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": null,
        "sourceAsOf": null,
        "note": "Tier 1 (0 USDT 30-day volume) for fiat-quoted pairs such as BTC/ZAR; crypto-quoted pairs 0.08 %."
      },
      {
        "field": "fees.takerPercent",
        "category": "fees",
        "value": 0.35,
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": null,
        "sourceAsOf": null,
        "note": "Tier 1 for fiat-quoted pairs such as BTC/ZAR; crypto-quoted pairs 0.10 %."
      },
      {
        "field": "fees.tradingFeeNote",
        "category": "fees",
        "value": "Nine volume tiers on 30-day rolling spot + futures volume (in USDT). Fiat-quoted spot Tier 1: 0.180 % maker / 0.350 % taker; crypto-quoted spot Tier 1: 0.080 % / 0.100 %; stable-to-stable 0.050 % / 0.100 %; perpetual futures Tier 1: 0.030 % / 0.070 %. Simple Buy/Sell/Swap and Auto-Buy cost 1.6 %. No monthly, custody or account fees.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": null,
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "fees.fiatDepositFee",
        "category": "fees",
        "value": "EFT: free (no minimum). Card: 3.9 %.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": null,
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "fees.fiatWithdrawalFee",
        "category": "fees",
        "value": "Normal withdrawals: first 30 per calendar month free for individual clients, R8.50 each thereafter. Fast withdrawal: R30.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": null,
        "sourceAsOf": "2026-09-21",
        "note": "The charges page says \"30 FREE withdrawals per month (R8.50 thereafter)\"; the free-withdrawals article (edited 18 May 2026) limits them to individual clients and normal withdrawals, per calendar month, with no carry-over."
      },
      {
        "field": "fees.cryptoWithdrawalFeeNote",
        "category": "fees",
        "value": "Network-dependent fee quoted on the withdrawal screen before you confirm (it can exceed the raw network cost); crypto deposits and VALR-to-VALR transfers are free.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": null,
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "kycSummary",
        "category": "kyc",
        "value": "Three levels. Semi-verified (name, e-mail, mobile) cannot deposit or trade. Fully-verified requires a government-issued ID (identity card or book, passport or driver’s licence) plus tax information and enables deposits and trading with a 0.2 BTC/day crypto withdrawal limit. Fully-verified PLUS adds authenticator-app 2FA (100 BTC/day).",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2027-01-02",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360014053531-What-are-VALR-s-verification-levels",
        "sourceTitle": null,
        "sourceAsOf": "2026-05-06",
        "note": "Rand must come from, and is paid only to, a South African bank account in your own name (EFT deposit and rand withdrawal articles)."
      },
      {
        "field": "facts.pricingModel",
        "category": "fees",
        "value": "order-book",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": "What are VALR’s charges?",
        "sourceAsOf": null,
        "note": "Order book with maker/taker tiers plus a 1.6 % Simple Buy/Sell screen."
      },
      {
        "field": "facts.feeSchedule",
        "category": "fees",
        "value": [
          {
            "id": "fiat-quoted",
            "appliesTo": [
              "general-crypto-zar",
              "stablecoin-zar"
            ],
            "label": "Fiat-quoted pairs (BTC/ZAR, USDT/ZAR)",
            "makerPercent": 0.18,
            "takerPercent": 0.35,
            "note": "Tier 1, 0 USDT 30-day volume"
          },
          {
            "id": "crypto-quoted",
            "appliesTo": [
              "crypto-crypto"
            ],
            "label": "Crypto-quoted pairs (BTC/USDT)",
            "makerPercent": 0.08,
            "takerPercent": 0.1,
            "note": "Tier 1"
          },
          {
            "id": "stable-to-stable",
            "label": "Stablecoin-to-stablecoin pairs",
            "makerPercent": 0.05,
            "takerPercent": 0.1,
            "note": "Tier 1"
          }
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": "What are VALR’s charges?",
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "facts.zarDeposits",
        "category": "rails",
        "value": true,
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": "What are VALR’s charges?",
        "sourceAsOf": null,
        "note": "ZAR deposit via EFT (free, no minimum) or South African card (3.9 %)."
      },
      {
        "field": "facts.zarWithdrawals",
        "category": "rails",
        "value": true,
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360028320512",
        "sourceTitle": "How do I withdraw Rand (ZAR) into my South African bank account?",
        "sourceAsOf": null,
        "note": "Only to a South African bank account in your own name."
      },
      {
        "field": "facts.spotTrading",
        "category": "products",
        "value": true,
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-12-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": "What are VALR’s charges?",
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "facts.derivativesTrading",
        "category": "products",
        "value": true,
        "status": "partially-verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-12-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/11224098420892-How-to-enable-Futures-trading-on-VALR",
        "sourceTitle": "How to enable Futures trading on VALR?",
        "sourceAsOf": null,
        "note": "Perpetual futures, provided by group entity VALR DAM (FSP 54897), can be enabled on a sub-account of a fully verified account \"in qualifying jurisdictions\" (guide edited 3 December 2025); VALR does not list those jurisdictions, and its Futures Terms (effective 4 July 2026) say access may be restricted for some jurisdictions or account holders."
      },
      {
        "field": "facts.instantBuy",
        "category": "fees",
        "value": {
          "kind": "percent",
          "percent": 1.6,
          "note": "Simple Buy/Sell/Swap and Auto-Buy: 1.6 % of trade value."
        },
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": "What are VALR’s charges?",
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "facts.depositFees",
        "category": "fees",
        "value": [
          {
            "id": "eft",
            "label": "EFT (bank transfer)",
            "method": "eft",
            "kind": "free",
            "feeText": "Free (no minimum deposit)",
            "minimum": "None",
            "processingTime": "Up to 48 hours to clear (VALR deposit help article, read 27 September 2026)"
          },
          {
            "id": "card",
            "label": "South African debit/credit card",
            "method": "card",
            "kind": "percent",
            "percent": 3.9,
            "feeText": "3.9 %"
          }
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": "What are VALR’s charges?",
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "facts.withdrawalFees",
        "category": "fees",
        "value": [
          {
            "id": "normal",
            "label": "Normal ZAR withdrawal",
            "method": "bank-transfer",
            "kind": "fixed",
            "amount": 8.5,
            "freeQuota": "First 30 normal withdrawals per calendar month free (individual clients)",
            "feeText": "30 free per month, then R8.50",
            "processingTime": "Up to 2 business days"
          },
          {
            "id": "fast",
            "label": "Fast withdrawal (RTC)",
            "method": "bank-transfer",
            "kind": "fixed",
            "amount": 30,
            "feeText": "R30",
            "processingTime": "Near-instant to RTC banks: Standard Bank 24/7 except Sundays and public holidays; other RTC banks 24/7 under R250,000, larger amounts sent after 15:50 on a weekday or at a weekend next business day; RTGS for other banks and for R5 million or more"
          }
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": "What are VALR’s charges?",
        "sourceAsOf": null,
        "note": "Processing times from the Fast Withdrawals help article (edited 30 September 2026), which adds that banks may hold a fast withdrawal for up to 2 hours for fraud monitoring."
      },
      {
        "field": "facts.minimumDeposit",
        "category": "rails",
        "value": "None for EFT deposits",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": "What are VALR’s charges?",
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "facts.minimumWithdrawal",
        "category": "rails",
        "value": "None for rand; crypto minimum is generally three times the quoted withdrawal fee",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360016231112-Is-there-a-minimum-withdrawal-amount",
        "sourceTitle": "Is there a minimum withdrawal amount?",
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "facts.supportedNetworks",
        "category": "fees",
        "value": "No per-network fee table: the crypto withdrawal fee is variable and displayed on the withdrawal screen; VALR-to-VALR transfers are free.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": "What are VALR’s charges?",
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "facts.feeVariesByPair",
        "category": "fees",
        "value": true,
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": "What are VALR’s charges?",
        "sourceAsOf": null,
        "note": "Fiat-quoted, crypto-quoted, stable-to-stable, xStocks and perpetual pairs each have their own tier table."
      },
      {
        "field": "facts.usdtPairs",
        "category": "rails",
        "value": [
          "USDT/ZAR",
          "BTC/USDT"
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": "What are VALR’s charges?",
        "sourceAsOf": null,
        "note": "USDT/ZAR is a fiat-quoted pair (Tier 1: 0.18 % maker / 0.35 % taker); USDT-quoted pairs such as BTC/USDT are crypto-quoted (0.08 % / 0.10 %)."
      },
      {
        "field": "facts.usdtDepositNetworks",
        "category": "rails",
        "value": [
          "Ethereum (ERC-20)",
          "Tron (TRC-20)",
          "Solana"
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/13171357223836-USDT-Deposits-Withdrawals-on-Solana-Tron-and-Ethereum",
        "sourceTitle": "USDT Deposits & Withdrawals on Solana, Tron and Ethereum",
        "sourceAsOf": "2024-08-19",
        "note": "The network is selected on the USDT deposit / withdrawal screen; deposits over any other network are lost."
      },
      {
        "field": "facts.usdtWithdrawalFees",
        "category": "fees",
        "value": [
          {
            "network": "Ethereum (ERC-20)",
            "kind": "variable",
            "feeText": "Variable — verify current fee on the provider (quoted on the withdrawal screen)"
          },
          {
            "network": "Tron (TRC-20)",
            "kind": "variable",
            "feeText": "Variable — verify current fee on the provider (quoted on the withdrawal screen)"
          },
          {
            "network": "Solana",
            "kind": "variable",
            "feeText": "Variable — verify current fee on the provider (quoted on the withdrawal screen)"
          }
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360015777451-What-are-VALR-s-charges",
        "sourceTitle": "What are VALR’s charges?",
        "sourceAsOf": null,
        "note": "Crypto withdrawal fee is \"Variable (displayed on the crypto withdrawal screen)\"; based on the current network fee and free when sending to another VALR account."
      },
      {
        "field": "facts.usdtMinimumWithdrawal",
        "category": "fees",
        "value": "Generally 3 × the withdrawal fee quoted on the withdrawal screen (no fixed USDT figure)",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360016231112-Is-there-a-minimum-withdrawal-amount",
        "sourceTitle": "Is there a minimum withdrawal amount?",
        "sourceAsOf": "2019-12-04",
        "note": "Because the fee is variable, the minimum is variable too and is shown on the withdrawal screen."
      },
      {
        "field": "facts.zarDepositProcessing",
        "category": "rails",
        "value": "Standard Bank to Standard Bank near immediate; other banks up to 48 business hours. VALR asks you to contact support only after 48 hours.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360028737292-How-long-does-it-take-for-my-Rand-ZAR-deposit-to-reflect-in-my-VALR-account",
        "sourceTitle": "How long does it take for my Rand (ZAR) deposit to reflect in my VALR account?",
        "sourceAsOf": "2024-10-24",
        "note": null
      },
      {
        "field": "facts.depositReferenceRule",
        "category": "rails",
        "value": "Use your unique VR reference as the beneficiary reference and pay from a bank account registered in your own name; a wrong reference needs a PDF proof of payment from the bank (screenshots and statements are not accepted).",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360018710279-How-to-deposit-Rand-ZAR-using-a-Bank-account",
        "sourceTitle": "How to deposit Rand (ZAR) using a Bank account?",
        "sourceAsOf": "2025-09-17",
        "note": "The proof-of-payment rule is from \"Where do I find proof of payment (PoP) from my bank?\" (edited 12 March 2024)."
      },
      {
        "field": "facts.zarWithdrawalProcessing",
        "category": "rails",
        "value": "Standard Bank: near-instant 24/7 except Sundays and public holidays. Fast withdrawals to other banks: near-instant under R250,000, 24/7 except Sundays and public holidays (Monday–Saturday above R250,000). Regular withdrawals to other banks: requested before 16:10 on a weekday arrive the next business day, after 16:10 in two business days.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/360029061992-How-often-does-VALR-process-FIAT-withdrawals",
        "sourceTitle": "How often does VALR process FIAT withdrawals?",
        "sourceAsOf": "2026-07-21",
        "note": "The Fast Withdrawals article (edited 30 September 2026) differs: it lists fast withdrawals under R250,000 to other RTC banks as 24/7, and larger amounts sent after 15:50 on a weekday or at a weekend as next business day."
      },
      {
        "field": "facts.wrongNetworkRecovery",
        "category": "products",
        "value": "Withdrawals from VALR to a wrong address or chain cannot be recovered. For wrong deposits to VALR, recovery may be attempted but is not guaranteed and carries a minimum fee of $5,000 (or crypto equivalent).",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-12-03",
        "sourceUrl": "https://support.valr.com/hc/en-us/articles/5292947934620-What-can-I-do-if-I-deposit-or-withdraw-cryptocurrency-to-an-incorrect-address-or-an-unsupported-blockchain",
        "sourceTitle": "What can I do if I deposit or withdraw cryptocurrency to an incorrect address or an unsupported blockchain",
        "sourceAsOf": "2022-07-08",
        "note": null
      },
      {
        "field": "facts.btcZarMarket",
        "category": "fees",
        "value": "trading",
        "status": "verified",
        "verifiedAt": "2026-10-04",
        "staleFrom": "2026-11-04",
        "sourceUrl": "https://api.valr.com/v1/public/pairs",
        "sourceTitle": "VALR public API: currency pairs",
        "sourceAsOf": null,
        "note": "BTCZAR and USDTZAR are listed as active spot pairs (read 4 October 2026)."
      }
    ]
  }
}