Best South African Rand / Qatari Riyal Exchange Rate Today: 0.2017
Our comparison table and live data feed show the top euro rate you're likely to achieve for international payments is 0.2011, and the most competitive travel money / cash rates start at approximately 0.1999.
Live rate: 1 ZAR = 0.2017 QAR (-0.1485% )
Inverted: 1 QAR = 4.9579 ZAR
Click here for our full travel and holiday rates comparison tool.
Comparison Results:
| Provider | Exchange Rate | Fee | You Get | Service | Notes | Action |
Live Market Rate | 0.2017 | 0 | 0.1997 | |||
 | 0.2011 (indicative) | 0 | 0.2011 | International Payments and Transfers | Experts in international money transfers for business and individuals, delivering industry-beating exchange rates. | |
 | 0.2003 (indicative) | 0 | 0.2003 | International Payments and Transfers | Indicative Dealing Desk Quote. Rate can only be applied to transfers in excess of £2000 equivalent. | |
 | 0.2017 | 4.37% | 0.1929 | Best Multi-Currency Card | One currency card for all your travels. Use it instantly as a digital card and top-up from the app, with the mid-market rate. 40+ currencies. Save up to 87% when you spend internationally. | |
 | 0.1999 | 0 | 0.1999 | Holiday FX, Cash Delivery | A specialist alternative to banks, bureau de change & the Post Office for clients seeking competitive currency exchange rates. A multiple award-winning company, offering free delivery (over £700.00), no commission charges, payment by Debit Card or Bank Transfer and typically offering the best exchange rates available. | |
Best Bank Rate  | 0.1961 (upper range) | Variable | 0.1961 | Payments, transfers, holiday money | Determined using data on spread charges supplied by IMTI | |
Worst Bank Rate | 0.1946 (lower range) | Variable | 0.1946 | Payments, transfers, holiday money | Determined using data on spread charges supplied by Money Mover and Accourt | |
Paypal  | 0.1926 | 0 | 0.1926 | International Payments and Transfers |
Set Alert« | » |
January - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 | 2 Open: 0.1972 Close: 0.1961 Mid: 0.1966 | 3 Open: 0.1961 Close: 0.1942 Mid: 0.1951 | 4 Open: 0.1947 Close: 0.1946 Mid: 0.1947 | 5 Open: 0.1955 Close: 0.1951 Mid: 0.1948 | 6 | |
7 | 8 Open: 0.1953 Close: 0.1956 Mid: 0.1951 | 9 Open: 0.1953 Close: 0.1956 Mid: 0.1951 | 10 Open: 0.1950 Close: 0.1946 Mid: 0.1951 | 11 Open: 0.1950 Close: 0.1946 Mid: 0.1951 | 12 Open: 0.1954 Close: 0.1954 Mid: 0.1956 | 13 |
14 | 15 Open: 0.1954 Close: 0.1954 Mid: 0.1956 | 16 Open: 0.1935 Close: 0.1920 Mid: 0.1928 | 17 Open: 0.1925 Close: 0.1913 Mid: 0.1915 | 18 Open: 0.1913 Close: 0.1919 Mid: 0.1919 | 19 Open: 0.1920 Close: 0.1906 Mid: 0.1916 | 20 |
21 | 22 Open: 0.1920 Close: 0.1899 Mid: 0.1909 | 23 Open: 0.1889 Close: 0.1908 Mid: 0.1901 | 24 Open: 0.1920 Close: 0.1929 Mid: 0.1927 | 25 Open: 0.1924 Close: 0.1928 Mid: 0.1925 | 26 Open: 0.1932 Close: 0.1941 Mid: 0.1935 | 27 |
28 | 29 Open: 0.1939 Close: 0.1931 Mid: 0.1936 | 30 Open: 0.1928 Close: 0.1933 Mid: 0.1929 | 31 Open: 0.1940 Close: 0.1953 Mid: 0.1948 |
February - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 0.1947 Close: 0.1948 Mid: 0.1950 | 2 Open: 0.1939 Close: 0.1925 Mid: 0.1932 | 3 | ||||
4 | 5 Open: 0.1908 Close: 0.1907 Mid: 0.1910 | 6 Open: 0.1916 Close: 0.1930 Mid: 0.1923 | 7 Open: 0.1938 Close: 0.1927 Mid: 0.1931 | 8 Open: 0.1924 Close: 0.1919 Mid: 0.1922 | 9 Open: 0.1922 Close: 0.1913 Mid: 0.1918 | 10 |
11 | 12 Open: 0.1913 Close: 0.1924 Mid: 0.1916 | 13 Open: 0.1921 Close: 0.1904 Mid: 0.1914 | 14 Open: 0.1898 Close: 0.1910 Mid: 0.1906 | 15 Open: 0.1913 Close: 0.1919 Mid: 0.1918 | 16 Open: 0.1916 Close: 0.1922 Mid: 0.1921 | 17 |
18 | 19 Open: 0.1916 Close: 0.1922 Mid: 0.1921 | 20 Open: 0.1928 Close: 0.1929 Mid: 0.1923 | 21 Open: 0.1925 Close: 0.1922 Mid: 0.1930 | 22 Open: 0.1928 Close: 0.1899 Mid: 0.1915 | 23 Open: 0.1902 Close: 0.1887 Mid: 0.1891 | 24 |
25 | 26 Open: 0.1884 Close: 0.1886 Mid: 0.1886 | 27 Open: 0.1887 Close: 0.1907 Mid: 0.1898 | 28 Open: 0.1887 Close: 0.1907 Mid: 0.1898 | 29 Open: 0.1883 Close: 0.1897 Mid: 0.1889 |
March - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 0.1894 Close: 0.1898 Mid: 0.1894 | 2 | |||||
3 | 4 Open: 0.1894 Close: 0.1898 Mid: 0.1894 | 5 Open: 0.1894 Close: 0.1898 Mid: 0.1894 | 6 Open: 0.1925 Close: 0.1936 Mid: 0.1930 | 7 Open: 0.1943 Close: 0.1947 Mid: 0.1944 | 8 Open: 0.1947 Close: 0.1947 Mid: 0.1945 | 9 |
10 | 11 Open: 0.1936 Close: 0.1951 Mid: 0.1944 | 12 Open: 0.1943 Close: 0.1947 Mid: 0.1950 | 13 Open: 0.1951 Close: 0.1961 Mid: 0.1957 | 14 Open: 0.1961 Close: 0.1942 Mid: 0.1950 | 15 Open: 0.1941 Close: 0.1940 Mid: 0.1945 | 16 |
17 | 18 Open: 0.1943 Close: 0.1922 Mid: 0.1930 | 19 Open: 0.1922 Close: 0.1927 Mid: 0.1924 | 20 Open: 0.1926 Close: 0.1934 Mid: 0.1929 | 21 Open: 0.1926 Close: 0.1934 Mid: 0.1929 | 22 Open: 0.1926 Close: 0.1915 Mid: 0.1920 | 23 |
24 | 25 Open: 0.1925 Close: 0.1930 Mid: 0.1926 | 26 Open: 0.1927 Close: 0.1919 Mid: 0.1923 | 27 Open: 0.1917 Close: 0.1923 Mid: 0.1923 | 28 Open: 0.1925 Close: 0.1925 Mid: 0.1920 | 29 Open: 0.1922 Close: 0.1928 Mid: 0.1925 | 30 |
31 |
April - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 0.1913 Close: 0.1925 Mid: 0.1921 | 2 Open: 0.1913 Close: 0.1925 Mid: 0.1921 | 3 Open: 0.1950 Close: 0.1949 Mid: 0.1948 | 4 Open: 0.1949 Close: 0.1951 Mid: 0.1953 | 5 Open: 0.1942 Close: 0.1944 Mid: 0.1949 | 6 | |
7 | 8 Open: 0.1951 Close: 0.1952 Mid: 0.1957 | 9 Open: 0.1955 Close: 0.1971 Mid: 0.1964 | 10 Open: 0.1950 Close: 0.1938 Mid: 0.1941 | 11 Open: 0.1950 Close: 0.1938 Mid: 0.1941 | 12 Open: 0.1927 Close: 0.1929 Mid: 0.1931 | 13 |
14 | 15 Open: 0.1933 Close: 0.1922 Mid: 0.1926 | 16 Open: 0.1915 Close: 0.1911 Mid: 0.1909 | 17 Open: 0.1915 Close: 0.1911 Mid: 0.1909 | 18 Open: 0.1915 Close: 0.1905 Mid: 0.1910 | 19 Open: 0.1897 Close: 0.1911 Mid: 0.1898 | 20 |
21 | 22 Open: 0.1899 Close: 0.1896 Mid: 0.1903 | 23 Open: 0.1910 Close: 0.1903 Mid: 0.1904 | 24 Open: 0.1906 Close: 0.1892 Mid: 0.1901 | 25 Open: 0.1898 Close: 0.1909 Mid: 0.1908 | 26 Open: 0.1898 Close: 0.1909 Mid: 0.1908 | 27 |
28 | 29 Open: 0.1948 Close: 0.1953 Mid: 0.1947 | 30 Open: 0.1949 Close: 0.1944 Mid: 0.1941 |
May - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 0.1944 Close: 0.1958 Mid: 0.1954 | 2 Open: 0.1954 Close: 0.1958 Mid: 0.1956 | 3 Open: 0.1959 Close: 0.1966 Mid: 0.1960 | 4 | |||
5 | 6 Open: 0.1973 Close: 0.1971 Mid: 0.1972 | 7 Open: 0.1969 Close: 0.1973 Mid: 0.1971 | 8 Open: 0.1965 Close: 0.1961 Mid: 0.1962 | 9 Open: 0.1964 Close: 0.1971 Mid: 0.1967 | 10 Open: 0.1964 Close: 0.1971 Mid: 0.1967 | 11 |
12 | 13 Open: 0.1979 Close: 0.1982 Mid: 0.1984 | 14 Open: 0.1986 Close: 0.1979 Mid: 0.1982 | 15 Open: 0.1992 Close: 0.1990 Mid: 0.1991 | 16 Open: 0.1990 Close: 0.2002 Mid: 0.1995 | 17 Open: 0.2001 Close: 0.2004 Mid: 0.2003 | 18 |
19 | 20 Open: 0.2006 Close: 0.2003 Mid: 0.2003 | 21 Open: 0.2004 Close: 0.2016 Mid: 0.2009 | 22 Open: 0.2018 Close: 0.1993 Mid: 0.2006 | 23 Open: 0.1992 Close: 0.1973 Mid: 0.1983 | 24 Open: 0.1976 Close: 0.1977 Mid: 0.1980 | 25 |
26 | 27 Open: 0.1976 Close: 0.1977 Mid: 0.1980 | 28 Open: 0.1976 Close: 0.1977 Mid: 0.1980 | 29 Open: 0.1985 Close: 0.1975 Mid: 0.1983 | 30 Open: 0.1979 Close: 0.1943 Mid: 0.1963 | 31 Open: 0.1941 Close: 0.1935 Mid: 0.1941 |
June - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 | ||||||
2 | 3 Open: 0.1939 Close: 0.1964 Mid: 0.1954 | 4 Open: 0.1962 Close: 0.1947 Mid: 0.1953 | 5 Open: 0.1946 Close: 0.1919 Mid: 0.1935 | 6 Open: 0.1923 Close: 0.1919 Mid: 0.1924 | 7 Open: 0.1908 Close: 0.1927 Mid: 0.1921 | 8 |
9 | 10 Open: 0.1908 Close: 0.1927 Mid: 0.1921 | 11 Open: 0.1944 Close: 0.1956 Mid: 0.1949 | 12 Open: 0.1974 Close: 0.1987 Mid: 0.1978 | 13 Open: 0.1975 Close: 0.1976 Mid: 0.1974 | 14 Open: 0.1976 Close: 0.1979 Mid: 0.1981 | 15 |
16 | 17 Open: 0.1976 Close: 0.1979 Mid: 0.1981 | 18 Open: 0.1993 Close: 0.2016 Mid: 0.2004 | 19 Open: 0.2019 Close: 0.2026 Mid: 0.2023 | 20 Open: 0.2018 Close: 0.2026 Mid: 0.2013 | 21 Open: 0.2022 Close: 0.2025 Mid: 0.2028 | 22 |
23 | 24 Open: 0.2027 Close: 0.2009 Mid: 0.2013 | 25 Open: 0.2009 Close: 0.1994 Mid: 0.2003 | 26 Open: 0.1987 Close: 0.2005 Mid: 0.1993 | 27 Open: 0.1987 Close: 0.2005 Mid: 0.1993 | 28 Open: 0.1987 Close: 0.2005 Mid: 0.1993 | 29 |
30 |
July - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 0.1987 Close: 0.2005 Mid: 0.1993 | 2 Open: 0.1980 Close: 0.1952 Mid: 0.1966 | 3 Open: 0.1969 Close: 0.1980 Mid: 0.1978 | 4 Open: 0.1969 Close: 0.1980 Mid: 0.1978 | 5 Open: 0.2000 Close: 0.2001 Mid: 0.2000 | 6 | |
7 | 8 Open: 0.2001 Close: 0.2011 Mid: 0.2006 | 9 Open: 0.2001 Close: 0.2011 Mid: 0.2006 | 10 Open: 0.2014 Close: 0.2008 Mid: 0.2016 | 11 Open: 0.2017 Close: 0.2021 Mid: 0.2020 | 12 Open: 0.2021 Close: 0.2028 Mid: 0.2024 | 13 |
14 | 15 Open: 0.2021 Close: 0.2028 Mid: 0.2024 | 16 Open: 0.2021 Close: 0.2028 Mid: 0.2024 | 17 Open: 0.2022 Close: 0.2000 Mid: 0.2008 | 18 Open: 0.2022 Close: 0.2000 Mid: 0.2008 | 19 Open: 0.1988 Close: 0.1992 Mid: 0.1987 | 20 |
21 | 22 Open: 0.1989 Close: 0.1991 Mid: 0.1991 | 23 Open: 0.1989 Close: 0.1991 Mid: 0.1991 | 24 Open: 0.1979 Close: 0.1985 Mid: 0.1987 | 25 Open: 0.1978 Close: 0.1987 Mid: 0.1976 | 26 Open: 0.1978 Close: 0.1987 Mid: 0.1976 | 27 |
28 | 29 Open: 0.1978 Close: 0.1987 Mid: 0.1976 | 30 Open: 0.1969 Close: 0.1986 Mid: 0.1979 | 31 Open: 0.1986 Close: 0.1997 Mid: 0.1994 |
August - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 0.1990 Close: 0.2000 Mid: 0.1997 | 2 Open: 0.2003 Close: 0.1992 Mid: 0.2003 | 3 | ||||
4 | 5 Open: 0.1987 Close: 0.1963 Mid: 0.1970 | 6 Open: 0.1957 Close: 0.1974 Mid: 0.1966 | 7 Open: 0.1957 Close: 0.1974 Mid: 0.1966 | 8 Open: 0.1984 Close: 0.1980 Mid: 0.1984 | 9 Open: 0.1986 Close: 0.1988 Mid: 0.1990 | 10 |
11 | 12 Open: 0.1991 Close: 0.1998 Mid: 0.1998 | 13 Open: 0.2004 Close: 0.2005 Mid: 0.2005 | 14 Open: 0.2011 Close: 0.2019 Mid: 0.2014 | 15 Open: 0.2019 Close: 0.2024 Mid: 0.2020 | 16 Open: 0.2024 Close: 0.2031 Mid: 0.2029 | 17 |
18 | 19 Open: 0.2048 Close: 0.2056 Mid: 0.2051 | 20 Open: 0.2062 Close: 0.2043 Mid: 0.2049 | 21 Open: 0.2048 Close: 0.2038 Mid: 0.2041 | 22 Open: 0.2041 Close: 0.2020 Mid: 0.2029 | 23 Open: 0.2037 Close: 0.2051 Mid: 0.2046 | 24 |
25 | 26 Open: 0.2056 Close: 0.2055 Mid: 0.2052 | 27 Open: 0.2060 Close: 0.2051 Mid: 0.2056 | 28 Open: 0.2044 Close: 0.2040 Mid: 0.2041 | 29 Open: 0.2036 Close: 0.2049 Mid: 0.2045 | 30 Open: 0.2044 Close: 0.2043 Mid: 0.2049 | 31 |
September - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 | 2 Open: 0.2044 Close: 0.2043 Mid: 0.2049 | 3 Open: 0.2033 Close: 0.2021 Mid: 0.2027 | 4 Open: 0.2029 Close: 0.2036 Mid: 0.2033 | 5 Open: 0.2040 Close: 0.2053 Mid: 0.2047 | 6 Open: 0.2047 Close: 0.2039 Mid: 0.2044 | 7 |
8 | 9 Open: 0.1940 Close: 0.1945 Mid: 0.1939 | 10 Open: 0.2035 Close: 0.2025 Mid: 0.2031 | 11 Open: 0.2021 Close: 0.2031 Mid: 0.2027 | 12 Open: 0.2044 Close: 0.2045 Mid: 0.2039 | 13 Open: 0.2050 Close: 0.2052 Mid: 0.2052 | 14 |
15 | 16 Open: 0.2066 Close: 0.2065 Mid: 0.2063 | 17 Open: 0.2058 Close: 0.2070 Mid: 0.2063 | 18 Open: 0.2077 Close: 0.2073 Mid: 0.2074 | 19 Open: 0.2086 Close: 0.2081 Mid: 0.2085 | 20 Open: 0.2086 Close: 0.2081 Mid: 0.2085 | 21 |
22 | 23 Open: 0.2091 Close: 0.2100 Mid: 0.2100 | 24 Open: 0.2105 Close: 0.2105 Mid: 0.2106 | 25 Open: 0.2096 Close: 0.2108 Mid: 0.2101 | 26 Open: 0.2096 Close: 0.2108 Mid: 0.2101 | 27 Open: 0.2118 Close: 0.2133 Mid: 0.2125 | 28 |
29 | 30 Open: 0.2129 Close: 0.2109 Mid: 0.2120 |
October - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 0.2109 Close: 0.2093 Mid: 0.2103 | 2 Open: 0.2091 Close: 0.2098 Mid: 0.2093 | 3 Open: 0.2098 Close: 0.2077 Mid: 0.2097 | 4 Open: 0.2076 Close: 0.2079 Mid: 0.2078 | 5 | ||
6 | 7 Open: 0.2075 Close: 0.2092 Mid: 0.2084 | 8 Open: 0.2075 Close: 0.2092 Mid: 0.2084 | 9 Open: 0.2067 Close: 0.2063 Mid: 0.2067 | 10 Open: 0.2058 Close: 0.2075 Mid: 0.2067 | 11 Open: 0.2080 Close: 0.2094 Mid: 0.2087 | 12 |
13 | 14 Open: 0.2080 Close: 0.2094 Mid: 0.2087 | 15 Open: 0.2077 Close: 0.2067 Mid: 0.2072 | 16 Open: 0.2063 Close: 0.2067 Mid: 0.2068 | 17 Open: 0.2066 Close: 0.2057 Mid: 0.2058 | 18 Open: 0.2064 Close: 0.2068 Mid: 0.2068 | 19 |
20 | 21 Open: 0.2065 Close: 0.2067 Mid: 0.2062 | 22 Open: 0.2064 Close: 0.2073 Mid: 0.2072 | 23 Open: 0.2071 Close: 0.2051 Mid: 0.2056 | 24 Open: 0.2054 Close: 0.2061 Mid: 0.2058 | 25 Open: 0.2054 Close: 0.2061 Mid: 0.2058 | 26 |
27 | 28 Open: 0.2066 Close: 0.2059 Mid: 0.2058 | 29 Open: 0.2063 Close: 0.2060 Mid: 0.2062 | 30 Open: 0.2057 Close: 0.2067 Mid: 0.2065 | 31 Open: 0.2048 Close: 0.2064 Mid: 0.2050 |
November - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 0.2077 Close: 0.2067 Mid: 0.2071 | 2 | |||||
3 | 4 Open: 0.2069 Close: 0.2078 Mid: 0.2074 | 5 Open: 0.2089 Close: 0.2088 Mid: 0.2091 | 6 Open: 0.2064 Close: 0.2063 Mid: 0.2054 | 7 Open: 0.2084 Close: 0.2105 Mid: 0.2092 | 8 Open: 0.2095 Close: 0.2073 Mid: 0.2083 | 9 |
10 | 11 Open: 0.2095 Close: 0.2073 Mid: 0.2083 | 12 Open: 0.2017 Close: 0.2016 Mid: 0.2012 | 13 Open: 0.2004 Close: 0.1996 Mid: 0.2007 | 14 Open: 0.1995 Close: 0.1998 Mid: 0.1996 | 15 Open: 0.1988 Close: 0.2005 Mid: 0.1995 | 16 |
17 | 18 Open: 0.2009 Close: 0.2027 Mid: 0.2018 | 19 Open: 0.2027 Close: 0.2016 Mid: 0.2022 | 20 Open: 0.2009 Close: 0.2007 Mid: 0.2006 | 21 Open: 0.2006 Close: 0.2017 Mid: 0.2012 | 22 Open: 0.2000 Close: 0.2009 Mid: 0.2011 | 23 |
24 | 25 Open: 0.2014 Close: 0.2016 Mid: 0.2015 | 26 Open: 0.2012 Close: 0.1998 Mid: 0.2006 | 27 Open: 0.2012 Close: 0.1998 Mid: 0.2006 | 28 Open: 0.2012 Close: 0.1998 Mid: 0.2006 | 29 Open: 0.2016 Close: 0.2014 Mid: 0.2019 | 30 |
December - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 | 2 Open: 0.1997 Close: 0.2005 Mid: 0.1997 | 3 Open: 0.2015 Close: 0.2015 Mid: 0.2015 | 4 Open: 0.2019 Close: 0.2006 Mid: 0.2013 | 5 Open: 0.2012 Close: 0.2020 Mid: 0.2018 | 6 Open: 0.2020 Close: 0.2022 Mid: 0.2020 | 7 |
8 | 9 Open: 0.2026 Close: 0.2050 Mid: 0.2038 | 10 Open: 0.2047 Close: 0.2041 Mid: 0.2042 | 11 Open: 0.2047 Close: 0.2041 Mid: 0.2042 | 12 Open: 0.2047 Close: 0.2041 Mid: 0.2042 | 13 Open: 0.2047 Close: 0.2041 Mid: 0.2042 | 14 |
15 | 16 | 17 | 18 | 19 | 20 | 21 |
22 | 23 | 24 | 25 | 26 | 27 | 28 |
29 | 30 | 31 |
Compare Exchange Rates:
Know What the Best Exchange Rate Looks Like
Benchmark the exchange rate market with Pound Sterling Live's custom currency rate comparison tool with built-in algorithms to find the best rates in the market.
Banks and financial institutions buy and sell currency from each other - these sizeable institutions are 'the market' and the rate they transact at is the 'market rate'. The difference between how much a currency is purchased and sold is the spread, which is essentially the difference between the buy and sell price.
But, when currency is sold by banks to retail customers that spread widens significantly and the profit on the transaction is therefore substantially larger.
Therefore when we focus on the transfer fee when sending money abroad we often miss the biggest cost: the exchange rate spread.
Foreign exchange providers have essentially recognised this and they enter the market to transfer money at tighter spreads, thereby saving potentially significant amounts of money for their clients simply by providing better exchange rates.
For example, the transfer of £100K into euros is expected to attract a rate that delivers between €112,480 and €113,296 with the UK's leading high street banks. But FCA authorised providers will provide a rate that delivers between €115,510 and €115,740 (using rates on 05/07/21).
Taking the time to work with a FCA regulated currency provider could therefore result in the delivery of an extra euros amount of between €2444 and €3030.
Pound Sterling Live only works with foreign exchange payment companies that are FCA Authorised. This is important: FCA regulations and oversight requires the money they transfer on your behalf to be protected through a process known as 'safeguarding'. Safeguarding requires the payments company to keep your money separate from their own money in a top-tier bank. Therefore if the provider comes under stress your money should be protected.
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