We’ve compared 7 companies, and found Ria Money Transfer to be the cheapest, while TapTap Send the fastest.
Sending £1,500 gets you K38,334.34 with Ria Money Transfer at 25.8318 rupees per pound, about 0.42% more than the next best option.
| 7 of 7 providers Last updated on 28 September 2026 | |||
| Based on 1,500 GBP transfer Best companies for GBP/ZMW transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee £46.78 1 GBP = 25.8317 ZMW 0.00% vs mid-market | Recipient gets ZK 37,539.14 Next day | |
Ways to receive money in Zambia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:SWIFT £46.781 GBP = 25.8317 ZMW ZK 37,539.14You pay£1,500.00 | |||
| Promoted  MoneyGram Pay via Debit card | Fee £4.99 1 GBP = 25.2330 ZMW +2.34% vs mid-market | Recipient gets ZK 37,849.50 Minutes - 24 hours | |
Ways to receive money in Zambia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours £4.991 GBP = 25.2330 ZMW ZK 37,849.50You pay£1,504.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 GBP = 24.8334 ZMW ZK 37,250.10You pay£1,500.00 | |||
Run a live search Showing top United Kingdom to Zambia deals for 1,500 GBP. 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 GBP 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 GBP you're planning to spend in Zambia. | |||
Run a live search These are managed services with real human support for large GBP transfers. Click the link and update the transfer amount to get the best deal. | |||
 Ria Money Transfer Pay via Credit card | Fee £16.00 1 GBP = 25.8318 ZMW 0.00% vs mid-market | Recipient gets ZK 38,334.34 Minutes - 24 hours | |
Ways to receive money in Zambia with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours £16.001 GBP = 25.8318 ZMW ZK 38,334.34You pay£1,500.00 Mobile walletMinutes - 24 hours £16.001 GBP = 25.6811 ZMW ZK 38,110.81You pay£1,500.00 Bank depositMinutes - 24 hours £16.001 GBP = 25.2147 ZMW ZK 37,418.62You pay£1,500.00 | |||
| Ria Money Transfer Pay via Debit card | Fee £16.00 1 GBP = 25.8318 ZMW 0.00% vs mid-market | Recipient gets ZK 38,334.34 Minutes - 24 hours | |
Ways to receive money in Zambia with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours £16.001 GBP = 25.8318 ZMW ZK 38,334.34You pay£1,500.00 Mobile walletMinutes - 24 hours £16.001 GBP = 25.6811 ZMW ZK 38,110.81You pay£1,500.00 Bank depositMinutes - 24 hours £16.001 GBP = 25.2147 ZMW ZK 37,418.62You pay£1,500.00 | |||
 Remitly Pay via Debit card | Fee £0.00 1 GBP = 25.4500 ZMW +1.48% vs mid-market | Recipient gets ZK 38,175.00 Minutes - 3 days | |
Ways to receive money in Zambia with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 GBP = 25.4500 ZMW ZK 38,175.00You pay£1,500.00 | |||
| Remitly Pay via Credit card | Fee £0.00 1 GBP = 25.4500 ZMW +1.48% vs mid-market | Recipient gets ZK 38,175.00 Minutes - 3 days | |
Ways to receive money in Zambia with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 GBP = 25.4500 ZMW ZK 38,175.00You pay£1,500.00 | |||
| Remitly Pay via Bank transfer | Fee £0.00 1 GBP = 25.4500 ZMW +1.48% vs mid-market | Recipient gets ZK 38,175.00 Minutes - 3 days | |
Ways to receive money in Zambia with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 GBP = 25.4500 ZMW ZK 38,175.00You pay£1,500.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee £4.99 1 GBP = 25.2330 ZMW +2.34% vs mid-market | Recipient gets ZK 37,849.50 Minutes - 24 hours | |
Ways to receive money in Zambia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours £4.991 GBP = 25.2330 ZMW ZK 37,849.50You pay£1,504.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 GBP = 24.8334 ZMW ZK 37,250.10You pay£1,500.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee £4.99 1 GBP = 25.2330 ZMW +2.34% vs mid-market | Recipient gets ZK 37,849.50 Minutes - 24 hours | |
Ways to receive money in Zambia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours £4.991 GBP = 25.2330 ZMW ZK 37,849.50You pay£1,504.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 GBP = 24.8334 ZMW ZK 37,250.10You pay£1,500.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee £4.99 1 GBP = 25.2330 ZMW +2.34% vs mid-market | Recipient gets ZK 37,849.50 Minutes - 24 hours | |
Ways to receive money in Zambia with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours £4.991 GBP = 25.2330 ZMW ZK 37,849.50You pay£1,504.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 GBP = 25.1807 ZMW ZK 37,771.05You pay£1,500.00 | |||
 Western Union Pay via Debit card | Fee £0.00 1 GBP = 25.0790 ZMW +2.95% vs mid-market | Recipient gets ZK 37,618.50 Minutes - 2 days | |
Ways to receive money in Zambia with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 GBP = 25.0790 ZMW ZK 37,618.50You pay£1,500.00 | |||
| Western Union Pay via Bank transfer | Fee £0.00 1 GBP = 25.0790 ZMW +2.95% vs mid-market | Recipient gets ZK 37,618.50 Minutes - 2 days | |
Ways to receive money in Zambia with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 GBP = 25.0790 ZMW ZK 37,618.50You pay£1,500.00 | |||
| Wise Pay via Bank transfer | Fee £46.78 1 GBP = 25.8317 ZMW 0.00% vs mid-market | Recipient gets ZK 37,539.14 Next day | |
Ways to receive money in Zambia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:SWIFT £46.781 GBP = 25.8317 ZMW ZK 37,539.14You pay£1,500.00 | |||
| Wise Pay via Debit card | Fee £51.28 1 GBP = 25.8317 ZMW 0.00% vs mid-market | Recipient gets ZK 37,422.90 Next day | |
Ways to receive money in Zambia with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:SWIFT £51.281 GBP = 25.8317 ZMW ZK 37,422.90You pay£1,500.00 | |||
 Xe Pay via Debit card | Fee £0.00 1 GBP = 24.8474 ZMW +3.88% vs mid-market | Recipient gets ZK 37,271.10 Minutes - 24 hours | |
Ways to receive money in Zambia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 24.8474 ZMW ZK 37,271.10You pay£1,500.00 | |||
| Xe Pay via Bank transfer | Fee £0.00 1 GBP = 24.8474 ZMW +3.88% vs mid-market | Recipient gets ZK 37,271.10 Minutes - 24 hours | |
Ways to receive money in Zambia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 24.8474 ZMW ZK 37,271.10You pay£1,500.00 | |||
| Xe Pay via Credit card | Fee £0.00 1 GBP = 24.8474 ZMW +3.88% vs mid-market | Recipient gets ZK 37,271.10 Minutes - 24 hours | |
Ways to receive money in Zambia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 24.8474 ZMW ZK 37,271.10You pay£1,500.00 | |||
| Wise Pay via Credit card | Fee £78.31 1 GBP = 25.8317 ZMW 0.00% vs mid-market | Recipient gets ZK 36,724.67 Next day | |
Ways to receive money in Zambia with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:SWIFT £78.311 GBP = 25.8317 ZMW ZK 36,724.67You pay£1,500.00 | |||
 TapTap Send Pay via Debit card | Fee £0.00 1 GBP = 23.8200 ZMW +8.10% vs mid-market | Recipient gets ZK 35,730.00 Minutes | |
Ways to receive money in Zambia with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutesAvailable via:Airtel, MTN Free1 GBP = 23.8200 ZMW ZK 35,730.00You pay£1,500.00 | |||
| How Our Results Work Mid-market rate: 1 GBP = 25.8306 ZMW Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Zambia, I suggest picking the cheapest option which is Ria Money Transfer.
On a 1,500 GBP transfer, Ria Money Transfer delivers the most ZMW.
The best option will change depending on how much you actually send, so I suggest to get the best GBP/ZMW rate.
You have 3 ways to pay, including debit card, bank transfer, and credit card.
Paying from your bank is usually both cheapest and quickest, since most companies connect straight into your banking app via Open Banking.
Anywhere a debit card works, Apple Pay and Google Pay usually do too.
First time round you'll need to confirm your name, date of birth, address and a photo ID.
On £1,500 transfer it's normally instant but can take a couple hours.
How much GBP 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| £500 | 1.13% | £0.00 | ZK 12,795.00with debit card to bank deposit | +ZK 230.29 | |
| £1,000 | 1.54% | £0.00 | ZK 25,450.00with debit card to bank deposit | +ZK 410.46 | |
| £1,500This page | 0.00% | £16.00 | ZK 38,334.34with credit card to cash pickup | +ZK 733.80 | |
| £2,000 | 1.04% | £0.99 | ZK 51,129.02with debit card to mobile money | +ZK 1,256.82 | |
| £6,000 | 0.27% | £0.00 | ZK 154,869.82with bank transfer to bank deposit | +ZK 4,445.41 | |
| £250,000 | 0.20% | £0.00 | ZK 6,443,037.60with bank transfer to bank deposit | +ZK 222,046.04 |
Mid-market rate: 1 GBP = 25.8306 ZMW
There are many ways to send money to Zambia from the UK, including app, online, in person, SNPL, digital wallet, multi-currency account, global account, and broker, and more.
For small & frequent transfers
If you send small amounts back home to Zambia, say weekly or monthly, an app like Ria Money Transfer is the easiest and cheapest way to do it.
It charges £16 in fees, has 0% markup, lets you save recipient details, and ZMW will arrive in minutes.
For one off transfers
Sending money online is good for occasional medium sized ZMW transfers, around £1,000 - £5,000.
Online companies like Ria Money Transfer often have higher limits and/or first time promos.
Of 1 online services, Ria Money Transfer is the cheapest and will get you K38,334.34 on £1,500 transfer.
For large transfers
Currency brokers like Xe are the best for £10,000+ transfers (things like house deposits, education fees, relocation, etc.).
You get a dedicated account manager to handle your transfer to Zambia, and 24/7 support.
Xe charges no fees on large transfers, but adds 3.88% markup on top of the current GBP/ZMW rate.
The markup gets better the more GBP you send, so we suggest .
For fast money transfers
Sending cash is the fastest way to send money from the UK to Zambia, but is usually a bit more more expensive.
You will need to deposit £1,500 online via Ria Money Transfer, and your recipient in Zambia will be able to collect K38,334.34 in minutes.
For spending and receiving
Multi-currency accounts let you hold and spend Zambian Kwacha abroad like a local.
Wise offers the best multi-currency account.
With it, converting £1,500 to ZMW will get you K37,539.14 after fees.
If you don’t have ZMW in your account, your GBP will auto-convert whenever you pay with Wise in Zambia.
Once you have ZMW in the account, there are no extra fees from Wise for spending or holding it (local ATM charges may still apply).
For business transfers
Global accounts are for UK businesses making payments overseas.
For suppliers, freelancers, salaries, or invoices in Zambia, companies like Airwallex, WorldFirst, or Payoneer handle batch and recurring payments a consumer app simply can’t.
Pay-in and pay-out methods will affect how much GBP you deposit and how much ZMW your recipient gets. Use the table below to see how different options change how much you pay and what they get.
The overall best and cheapest way to send £1,500 to Zambia is via Ria Money Transfer, using a credit card to deposit GBP and cash pickup to receive ZMW.
You have 3 pay-in options for transfers to Zambia, including debit card, bank transfer, and credit card.
The cheapest pay-in option is bank transfer.
The fastest option in the UK is almost always bank transfer, since most companies use Open Banking and Faster Payments System (FPS).
The most expensive deposit option is debit card.
Be careful with credit card deposits, since your bank often treats it as a cash advance and will charge interest.
Money can reach Zambia by bank deposit, cash pickup, mobile wallet, and mobile money, and each delivery method comes with its own fees.
The cheapest way to receive money in Zambia is with cash pickup on average.
Receiving cash
Ria Money Transfer is the cheapest option for cash pickup ( getting you K38,334.34 on £1,500 transfer).
Mobile wallets
You can receive ZMW into a mobile wallet, which is useful since they don't need a bank account.
Mobile money
You can send money directly to a mobile number in Zambia.
and use our filters to find the company offering mobile money at the best GBP/ZMW rate.
You pay £1,500.00
K38,334
Cheapest
You pay £1,500.00
K38,334
K0
You pay £1,500.00
K38,175
-K159
You pay £1,500.00
K38,175
-K159
You pay £1,500.00
K38,175
-K159
You pay £1,500.00
K38,111
-K224
You pay £1,500.00
K38,111
-K224
You pay £1,504.99
K37,850
-K485
You pay £1,500.00
K37,771
-K563
You pay £1,500.00
K35,730
-K2,604
There are a few nuances you should consider before sending GBP to Zambia such as limits, taxes, and safety.
Right now, these are the best money transfer options for £1,500 transfer to Zambia:
Cheapest way to send money to Zambia
The cheapest way is to use Ria Money Transfer, pay in with a credit card and withdraw via cash pickup. You will get K38,334.34, which is 0.42% more than the next best option.
Fastest way to send money to Zambia
The fastest way is to use TapTap Send via debit card deposit and mobile money for pay out. You get K35,730 and it will arrive in minutes.
There is no legal limit and no tax on sending your own money abroad.
Main hard limits come from your bank or money transfer company, often around £10,000 to £25,000 online (which you can usually increase in the app).
Also, the "£10,000 declaration" only applies to physically carrying cash through the border, not online transfers.
And on bigger GBP/ZMW transfers (roughly £10,000 up) expect a source-of-funds check, such as a payslip or a statement.
That's anti-money-laundering checks, but it holds transfers up, so be prepared.
Your cost is the fee plus the exchange-rate margin.
For example, sending K38,334.34 with Ria Money Transfer will get you 38,334.34 ZMW, that’s including £16 fee and 0% in exchange rate markup.
A bank like on the other hand, will get you K0, that’s £ in fees but % in FX fees.
There is no UK tax for the act of sending money to Zambia.
And, regular gifts out of your normal income are free of inheritance tax straight away, no cap and no seven-year wait.
Only ever use a provider authorised by the FCA, which you can check on the FCA register in under a minute.
The rules in place for any scams cover domestic pound transfers only, on a transfer abroad you're less protected.
Always confirm who you're really sending to before you send, because there's little recourse after.
For more information, check our guide to money transfer regulations in the UK.
The exchange rate you secure impacts how much ZMW you get for your GBP, so waiting a day or two can get you more Zambian Kwacha.
Mid-market rate:1 GBP = 25.853512 ZMW
We track 7 regulated companies offering money transfers from the UK to Zambia in real time.
We analyse the fees, exchange rates, deposit/withdrawal methods, and each goes through our internal review.
Most GBP/ZMW pricing data comes directly from the providers. We collect the rest manually, run it through our comparison engine and label it in the table.
More on how we work:
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
Advanced filters
Advanced filters
Tailor this money transfer comparison to your needs.
Show companies that support specific transfer features.
Only show providers with user feedback and reviews.
Hide selected providers from the GBP/ZMW comparison.
Search Now & Save On Your Transfer
Instantly view live exchange rates, fees & features.
Please share your experience with …