Best companies for EUR/ZMW transfers
5 of 5 providers Last updated on 28 September 2026
Based on 7,000 EUR transfer Best companies for EUR/ZMW transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €201.05 1 EUR = 22.3646 ZMW -0.70% vs mid-market	Recipient gets ZK 152,055.80 Next day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Zambia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:SWIFT €201.051 EUR = 22.3646 ZMW ZK 152,055.80You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 21.6915 ZMW +2.36% vs mid-market	Recipient gets ZK 151,840.50 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Zambia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 21.6915 ZMW ZK 151,840.50You pay€7,000.00
Run a live search Showing top Spain to Zambia deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live EUR to ZMW rates.
Run a live search These companies offer multi-currency accounts for spending ZMW. We suggest doing a live search based on how much EUR you're planning to spend in Zambia.
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 22.1493 ZMW +0.27% vs mid-market	Recipient gets ZK 155,045.43 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Zambia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 22.1493 ZMW ZK 155,045.43You pay€7,000.00
Wise Pay via Bank transfer	Fee €201.05 1 EUR = 22.3646 ZMW -0.70% vs mid-market	Recipient gets ZK 152,055.80 Next day
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Zambia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:SWIFT €201.051 EUR = 22.3646 ZMW ZK 152,055.80You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 21.6915 ZMW +2.36% vs mid-market	Recipient gets ZK 151,840.50 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Zambia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 21.6915 ZMW ZK 151,840.50You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 21.6915 ZMW +2.36% vs mid-market	Recipient gets ZK 151,840.50 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Zambia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 21.6915 ZMW ZK 151,840.50You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 21.6915 ZMW +2.36% vs mid-market	Recipient gets ZK 151,840.50 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Zambia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 21.6915 ZMW ZK 151,840.50You pay€7,000.00
Wise Pay via iDEAL/WERO	Fee €210.72 1 EUR = 22.3646 ZMW -0.70% vs mid-market	Recipient gets ZK 151,839.53 Next day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Zambia with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:SWIFT €210.721 EUR = 22.3646 ZMW ZK 151,839.53You pay€7,000.00
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee €1.99 1 EUR = 21.6636 ZMW +2.49% vs mid-market	Recipient gets ZK 151,645.20 Minutes - 24 hours
2 reviews
Ways to receive money in Zambia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets €1.991 EUR = 21.6636 ZMW ZK 151,645.20You pay€7,001.99 Cash pickupMinutes - 24 hours €1.001 EUR = 21.5744 ZMW ZK 151,020.80You pay€7,001.00

$0 fee on first online transfers MoneyGram Pay via Credit card	Fee €1.99 1 EUR = 21.6636 ZMW +2.49% vs mid-market	Recipient gets ZK 151,645.20 Minutes - 24 hours
2 reviews
Ways to receive money in Zambia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets €1.991 EUR = 21.6636 ZMW ZK 151,645.20You pay€7,001.99 Cash pickupMinutes - 24 hours €1.001 EUR = 21.5744 ZMW ZK 151,020.80You pay€7,001.00
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee €1.99 1 EUR = 21.6636 ZMW +2.49% vs mid-market	Recipient gets ZK 151,645.20 Minutes - 24 hours
2 reviews
Ways to receive money in Zambia with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets €1.991 EUR = 21.6636 ZMW ZK 151,645.20You pay€7,001.99 Cash pickupMinutes - 24 hours €1.001 EUR = 21.5744 ZMW ZK 151,020.80You pay€7,001.00
Wise Pay via Debit card	Fee €253.54 1 EUR = 22.3646 ZMW -0.70% vs mid-market	Recipient gets ZK 150,881.88 Next day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Zambia with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:SWIFT €253.541 EUR = 22.3646 ZMW ZK 150,881.88You pay€7,000.00
Wise Pay via Credit card	Fee €293.65 1 EUR = 22.3646 ZMW -0.70% vs mid-market	Recipient gets ZK 149,984.84 Next day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Zambia with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:SWIFT €293.651 EUR = 22.3646 ZMW ZK 149,984.84You pay€7,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 21.1200 ZMW +5.03% vs mid-market	Recipient gets ZK 147,840.00 Minutes
0 reviews Fastest Receive to bank account
Ways to receive money in Zambia with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutesAvailable via:Airtel, MTN Free1 EUR = 21.1200 ZMW ZK 147,840.00You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 22.2093 ZMW Updates every 60 minutes.

Why compare

EUR/ZMW exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Spain to Zambia

Pick a company

For a one-off transfer from Spain to Zambia, I suggest picking Regency FX, it will get you the most Zambia

The best option will change depending on the amount, so it's good to to get the best EUR/ZMW rate today.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.

Bizum only works between Spanish accounts and caps at €500, which is why these companies exist in the first place.

Verify and send

First time round you'll need your DNI, or your NIE if you're not Spanish, and a proof of address.

An empadronamiento certificate covers the address if you don't have a bill in your name yet.

Compare amounts

How much EUR are you sending to Zambia?

How much EUR you send to Zambia heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.


€500	2.47%	€1.99	ZK 10,831.80with debit card to mobile wallet	+ZK 152.81
€1,000	1.81%	€0.00	ZK 21,799.82with debit card to mobile money	+ZK 224.80
€2,000	1.78%	€0.00	ZK 43,619.28with debit card to mobile money	+ZK 559.34
€7,000This page	0.27%	€0.00	ZK 155,045.43with bank transfer to bank deposit	+ZK 3,536.71
€10,000	0.27%	€0.00	ZK 221,493.47with bank transfer to bank deposit	+ZK 5,027.51

Mid-market rate: 1 EUR = 22.2093 ZMW

Ways to send money from Spain to Zambia

5 companies send money from Spain to Zambia, across app, online, broker, multi-currency account, global account, and in person, and more.

Monthly remesas abroad

Money transfer apps

Sending monthly remesa is extremely popular in Spain.

Money transfer apps let you save contacts, schedule transfers, and lock-in rates.

Useful if you’re sending €100 to €300 monthly to Zambia.

Wise charges €201.05 on a €7,000 transfer and pays out 152,055.8 ZMW in next day, often straight into a mobile wallet, so the person receiving doesn't need a bank account.

You can pay for the transfers via bank transfer, debit card, credit card, and ideal, but Bizum is usually not accepted as a funding method.

For cash pickup and deposit

In-person transfers

The locutorio on the corner has been sending money home for decades, and for families who need to collect cash the same day, this is the best way.

Pay MoneyGram the €7,000 by card or transferencia, and they can collect cash in Zambia.

Worth noting, cash transfers are faster than online methods, but usually more expensive, so .

For one-off transfers

Online transfers

For medium sized or one-off transfers to Zambia, an online money transfer service funded from your bank account is better than any bank.

Wise turns €7,000 into 152,055.8 ZMW with a €201.05 fee and -0.7% markup.

Sending large amounts

Currency brokers

Currency brokers are best for sending €10,000+ to Zambia. This can be things like selling property, moving a pension, moving back home, etc…

Regency FX charges no fee and works on a margin (~0.27% on EUR/ZMW), with a person on the phone, and offices in Spain if you'd rather sit down with someone.

For getting paid and spending abroad

Multi-currency accounts

If you often receive ZMW (things like pensions, payments, salary, dividends, etc…), this is the best way to do it.

Because a multi-currency account gives you account details to receive ZMW like a local and you can exchange it to EUR at any time.

The best multi-currency account in Spain with ZMW support is offered by Wise.

For example, converting €7,000 gets you 152,055.8 ZMW.

For businesses and autónomos paying abroad

Global accounts

Companies like Wise Business, Payoneer, or Airwallex are best suited for businesses in Spain making payments to Zambia.

You can pay suppliers and freelancers, process invoices, make batch payments, and much more.

Ways to fund EUR and receive ZMW in Zambia

How you fund the transfer and how your recipient receives it affect the fees and how much ZMW they get.

With Regency FX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending €7,000 gives your recipient 155,045.43 ZMW.

For funding your transfer from Spain, you can use bank transfer, debit card, credit card, and ideal.

Bizum only supports domestic transfers in Spain, so it cannot send money to Zambia directly.

Pay from your Spanish bank account

Deposit your funds with a SEPA Instant (essentially your bank transfer) using your ES IBAN.

It is fast to fund the transfer, although delivery to Zambia depends on the company's payout time and delivery method.

In Zambia, the recipient can use bank deposit, mobile wallet, cash pickup, and mobile money to receive money.

Payout is available through .

Collect cash in Zambia

Your recipient can collect ZMW from a participating MoneyGram location in Zambia.

1

Bank transfer Bank deposit

You pay €7,000.00

K155,045

Cheapest
2

Debit card Bank deposit

You pay €7,000.00

K151,841

-K3,205
3

Credit card Bank deposit

You pay €7,000.00

K151,841

-K3,205
4

Ideal Bank deposit

You pay €7,000.00

K151,840

-K3,206
5

Bank transfer Mobile wallet

You pay €7,001.99

K151,645

-K3,400

Show moreShow less

6

Debit card Mobile wallet

You pay €7,001.99

K151,645

-K3,400
7

Credit card Mobile wallet

You pay €7,001.99

K151,645

-K3,400
8

Bank transfer Cash pickup

You pay €7,001.00

K151,021

-K4,025
9

Debit card Cash pickup

You pay €7,001.00

K151,021

-K4,025
10

Credit card Cash pickup

You pay €7,001.00

K151,021

-K4,025
11

Debit card Mobile money

You pay €7,000.00

K147,840

-K7,205

What to consider when sending money from Spain

Here are a few things to know before sending money from Spain to Zambia.

Find the best EUR/ZMW transfer

These are the current best options for sending €7,000 to Zambia:

Cheapest option

Use K155,045.43, pay by bank transfer and choose bank deposit for the payout. Your recipient gets 155,045.43 ZMW, which is 1.93% more than the next best option.

Fastest option

With TapTap Send, a debit card payment to mobile money gives your recipient 147,840 ZMW in minutes.

SEPA & ZMW are different

SEPA and SEPA Instant only work within the Eurozone, and Bizum largely operates in Spain.

Sending EUR to Zambia is different because it needs a currency conversion.

SEPA or SEPA Instant can be used to fund the transfer itself (since both are in EUR), but it does not guarantee instant transfer to Zambia.

Expect questions on a large payment

Your bank or transfer company can ask for a justificante showing the source and purpose of a large or unusual transfer.

Keep the sale agreement for property, an invoice for tuition or a bank statement for savings.

Ask your bank to raise its own online transfer limit before the payment is due, rather than splitting a payment to avoid a check.

Staying safe when sending money

A payment or electronic-money institution is not the same as a bank, so do not assume its stored balance has bank deposit protection.

For bank deposits, protection normally comes from the deposit guarantee scheme in the bank's home country.

For a transfer service, check how customer money is safeguarded and avoid leaving a large balance there longer than needed.

When in doubt, use the Banco de Espana register to check the legal entity behind a transfer service.

Live EUR-ZMW Exchange Rate

Finding the best rate to send money from Spain to Zambia

The exchange rate has a direct impact on how much ZMW your recipient gets. A weekly comparison makes it easier to judge today's EUR/ZMW rate.

Mid-market rate:1 EUR = 22.148368 ZMW

How we analyse the market

Every company here is authorised to operate in Spain, and you can check any of them on the Banco de España register yourself.

We track 5 of them on EUR to ZMW, comparing fees, rates and the ways money can be paid in and collected. Each one also goes through our own review.

Pricing mostly comes straight from the companies, and anything we collect by hand is marked in the table.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

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Best companies for EUR/ZMW transfers