+27 (0)10 599 22 53

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Authorised financial services provider & treasury outsourcer
to importers, exporters, South African & non-South African residents.

About Lucrative Exchange

Lucrative Exchange (LE) is an authorised financial services provider and treasury outsourcer to importers, exporters, South African and Non-South African residents. The LE client, qualifies for personalised customer service, which includes a foreign exchange portfolio of products ranging from reserve bank applications, spot and forward cover, property & performance guarantees, advanced payment guarantees, letters of credit, foreign bills for collection, foreign currency account (CFC) and personal foreign currency account (FCA). The most sought after is our basket of treasury saving products incorporating, overnight call deposits, long term deposits and variable notice deposits.

Exchange" is our business so let us make it "Lucrative" for yours.

Mission Statement
To be a resourceful financial services provider and treasury outsourcer, by fostering lasting relationships, with the aim To enthuse, To elucidate, To bourgeon.


Client Login


Customer Service

Telephone +27 (0)10 599 2253
Office Mobile +27 (0)82 781 0502
Fax  0865 3000 33
Skype  lucrative53
E-mail  info@lucrative.co.za

Operating Hours  Mondays to Fridays,
08h00 to 17h00

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Lucrative Services

The banking sector has been liberalised due to the lack of service and high banking fees on offer to businesses by their own banks. This has created opportunities for financial services providers to differentiate itself through value driven service, achieved through extended working hours to provide enhanced accessibility, versatility, efficiency and reliability to clients globally, and who have on-going or once off, large financial requirements. Lucrative Exchange is value driven resulting in forging lasting relationships with their clientele.

The introduction of Twin Peaks by the Financial Services Board (FSB) and the South African Reserve Bank (SARB) have increased compliance in the financial sector scrutinising all concerned operational strategies. LE consolidates its internal operational procedures, quarterly and includes reviews of its quality customer service strategy.

To exchange with us is lucrative.

Inspirational thoughts ..

Courage isn’t having the strength to go on – it is going on when you don’t have strength.” 

"Never interupt your enemy when he is making a mistake."

"Nothing is more difficult, and therefore more precious, than to be able to decide."

Napoleon Bonaparte

2021, proudly 15 years in service, Lucrative Exchange ..

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Proud to offer travel related foreign exchange services with a renown Bureau de Change.

My Travel

Foreign Currency for Travellers

South African residents with their travel originating and ending from South Africa, enjoy the privilege of having their foreign exchange delivered to their business premises, at a convenient date and time within business hours. Guidance regarding documentation requirement is provided with each consultation.

Travel Products on offer for personal or business

  • Foreign currency (cash)
  • Multi-currency cash passport
  • Swift payment
  • Omnibus Facility *

Omnibus Facility

Companies, who have employees traveling several times a year on behalf of their company for business purposes, are encouraged to apply for an omnibus facility. The omnibus application form and document requirement is available upon request at info@lucrative.co.za

Foreign Exchange travel application documents are available upon request.

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Lucrative Associations

Financial Sector Conduct Authority (FSCA)

The FSCA is the market conduct regulator of financial institutions, that provide financial products and financial services, financial institutions that are licensed in terms of a financial sector law, including banks, insurers, retirement funds and administrators, and market infrastructures.



The Fais Act makes provision for the appointment of an Ombud for financial services.
The function of the Ombud for Financial Services Providers is:

  • To resolve disputes relating to the rendering of financial services by providers where they have:
  • Either failed to comply with the fais act or
  • Where as a result of either wilful or negligent conduct by the provider the client has suffered or
  • Will potentially suffer prejudice or damage.



Local and International Compliance Standards



The Financial Intelligence Centre (FIC) is South Africa’s national centre for the gathering, analysis and dissemination of financial intelligence. The FIC was established to identify proceeds of crime, combat money laundering, and the financing of terrorism and, in so doing, has a primary role to protect the integrity of South Africa’s financial system. The Entity was established by the FIC Act 38 of 2001 and reports to the Minister of Finance and to Parliament.



The South African Reserve Bank (SARB) and the National Treasury (ministry of finance) together constitute the monetary authority in South Africa.The SARB acts as the central bank for the country and its banking institutions, is co-responsible for formulating South Africa's monetary policy, and is largely responsible for implementing this policy.



Money laundering, terrorist financing and other financial crimes are a concern to be raised in the daily business of a Financial Services Provider. Lucrative Exchange Pty Ltd is therefore strongly committed to curbing these illegal activities as extensively and diligently as possible.

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Giving back.

Social Responsibility

The Lucrative Exchange Team is committed to continued self-development through self- study and workshops to retain expertise. Our core belief being - knowledge is power.

In the spirit of giving, selected non-profit organizations receive an ongoing monthly donation from Lucrative Exchange. A proud tradition we have instituted since inception.