We’ve compared 7 companies, and found Remitly to be the cheapest, while TapTap Send is the fastest.
Sending £1,500 gets you ZK41,055 with Remitly at 27.3700 ZMW per GBP, about 1.37% more than the next best option.
| 7 of 7 providers Last updated on 10 November 2026 | |||
| Based on 1,500 GBP transfer Best companies for GBP/ZMW transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee £23.73 1 GBP = 27.4289 ZMW -0.61% vs mid-market | Recipient gets ZK 40,492.46 Same day | |
Ways to receive money in Zambia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:SWIFT £23.731 GBP = 27.4289 ZMW ZK 40,492.46You pay£1,500.00 | |||
| Promoted  Xe Pay via Debit card | Fee £0.00 1 GBP = 26.2472 ZMW +3.79% vs mid-market | Recipient gets ZK 39,370.80 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 = 26.2472 ZMW ZK 39,370.80You 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. | |||
 Remitly Pay via Debit card | Fee £0.00 1 GBP = 27.3700 ZMW -0.40% vs mid-market | Recipient gets ZK 41,055.00 Within minutes | |
Ways to receive money in Zambia with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 GBP = 27.3700 ZMW ZK 41,055.00You pay£1,500.00 | |||
| Remitly Pay via Credit card | Fee £0.00 1 GBP = 27.3700 ZMW -0.40% vs mid-market | Recipient gets ZK 41,055.00 Within minutes | |
Ways to receive money in Zambia with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 GBP = 27.3700 ZMW ZK 41,055.00You pay£1,500.00 | |||
| Remitly Pay via Bank transfer | Fee £0.00 1 GBP = 27.3700 ZMW -0.40% vs mid-market | Recipient gets ZK 41,055.00 Within minutes | |
Ways to receive money in Zambia with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 GBP = 27.3700 ZMW ZK 41,055.00You pay£1,500.00 | |||
| Wise Pay via Bank transfer | Fee £23.73 1 GBP = 27.4289 ZMW -0.61% vs mid-market | Recipient gets ZK 40,492.46 Same day | |
Ways to receive money in Zambia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:SWIFT £23.731 GBP = 27.4289 ZMW ZK 40,492.46You pay£1,500.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee £0.99 1 GBP = 26.9742 ZMW +1.06% vs mid-market | Recipient gets ZK 40,434.57 Minutes - 2 days | |
Ways to receive money in Zambia with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days £0.991 GBP = 26.9742 ZMW ZK 40,434.57You pay£1,500.00 Cash pickupMinutes - 2 days £1.991 GBP = 26.8923 ZMW ZK 40,284.89You pay£1,500.00 Card depositMinutes - 2 days Free1 GBP = 25.8191 ZMW ZK 38,728.58You pay£1,500.00 | |||
| Wise Pay via Debit card | Fee £28.35 1 GBP = 27.4289 ZMW -0.61% vs mid-market | Recipient gets ZK 40,365.74 Same day | |
Ways to receive money in Zambia with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:SWIFT £28.351 GBP = 27.4289 ZMW ZK 40,365.74You pay£1,500.00 | |||
 TapTap Send Pay via Debit card | Fee £0.00 1 GBP = 26.8900 ZMW +1.37% vs mid-market | Recipient gets ZK 40,335.00 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 = 26.8900 ZMW ZK 40,335.00You pay£1,500.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee £4.99 1 GBP = 26.7232 ZMW +1.99% vs mid-market | Recipient gets ZK 40,084.80 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 = 26.7232 ZMW ZK 40,084.80You pay£1,504.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 GBP = 26.2880 ZMW ZK 39,432.00You pay£1,500.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee £4.99 1 GBP = 26.7232 ZMW +1.99% vs mid-market | Recipient gets ZK 40,084.80 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 = 26.7232 ZMW ZK 40,084.80You pay£1,504.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 GBP = 26.2880 ZMW ZK 39,432.00You pay£1,500.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee £4.99 1 GBP = 26.7232 ZMW +1.99% vs mid-market | Recipient gets ZK 40,084.80 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 = 26.7232 ZMW ZK 40,084.80You pay£1,504.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 GBP = 26.5962 ZMW ZK 39,894.30You pay£1,500.00 | |||
 Western Union Pay via Debit card | Fee £0.00 1 GBP = 26.6825 ZMW +2.15% vs mid-market | Recipient gets ZK 40,023.68 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 = 26.6825 ZMW ZK 40,023.68You pay£1,500.00 | |||
| Western Union Pay via Bank transfer | Fee £0.00 1 GBP = 26.6825 ZMW +2.15% vs mid-market | Recipient gets ZK 40,023.68 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 = 26.6825 ZMW ZK 40,023.68You pay£1,500.00 | |||
| Wise Pay via Credit card | Fee £56.24 1 GBP = 27.4289 ZMW -0.61% vs mid-market | Recipient gets ZK 39,600.75 Same day | |
Ways to receive money in Zambia with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:SWIFT £56.241 GBP = 27.4289 ZMW ZK 39,600.75You pay£1,500.00 | |||
| Xe Pay via Debit card | Fee £0.00 1 GBP = 26.2472 ZMW +3.79% vs mid-market | Recipient gets ZK 39,370.80 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 = 26.2472 ZMW ZK 39,370.80You pay£1,500.00 | |||
| Xe Pay via Bank transfer | Fee £0.00 1 GBP = 26.2472 ZMW +3.79% vs mid-market | Recipient gets ZK 39,370.80 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 = 26.2472 ZMW ZK 39,370.80You pay£1,500.00 | |||
| Xe Pay via Credit card | Fee £0.00 1 GBP = 26.2472 ZMW +3.79% vs mid-market | Recipient gets ZK 39,370.80 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 = 26.2472 ZMW ZK 39,370.80You pay£1,500.00 | |||
| How Our Results Work Mid-market rate: 1 GBP = 27.2614 ZMW Updates every 60 minutes. | |||
Transfer details
For a one-off GBP transfer to Zambia, I suggest picking the cheapest option which is Remitly.
Remitly was the cheapest on 21 of the 30 days it quoted £1,500 transfers to Zambia.
On a 1,500 GBP transfer, Remitly 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 the fastest, since most companies connect to 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 a £1,500 transfer the verification is normally instant but can take a couple of 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.
Our analysis shows Remitly was the cheapest in % of the transfers from £6,000 it quoted, and in 68% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| £500 | -1.71% | £0.00 | ZK 13,875.00with debit card to bank deposit | +ZK 497.51 | |
| £1,000 | -0.75% | £0.00 | ZK 27,470.00with debit card to bank deposit | +ZK 722.76 | |
| £1,500This page | -0.40% | £0.00 | ZK 41,055.00with debit card to bank deposit | +ZK 879.52 | |
| £2,000 | -0.25% | £0.00 | ZK 54,660.00with debit card to bank deposit | +ZK 1,096.42 | |
| £6,000 | 0.27% | £0.00 | ZK 163,234.11with bank transfer to bank deposit | +ZK 2,944.81 | |
| £10,000 | 0.27% | £0.00 | ZK 271,969.03with bank transfer to bank deposit | +ZK 5,088.97 | |
| £50,000 | 0.25% | £0.00 | ZK 1,359,815.89with bank transfer to bank deposit | +ZK 25,774.26 | |
| £250,000 | 0.20% | £0.00 | ZK 6,803,997.98with bank transfer to bank deposit | +ZK 137,689.41 |
Mid-market rate: 1 GBP = 27.2614 ZMW
The cheapest way to send GBP to ZMW can change every day, or stay with the same company all month.
We've compared the mid-market rate with the cheapest option each day (today it's Remitly), across 30 days of comparisons for 1,500 GBP transfers to Zambia.
Tue, 10 Nov 2026Mid-market rateZK 40,892.05 Remitly ZK 41,055.00RemitlyZK 41,055.00WiseZK 40,492.46WorldRemitZK 40,434.57
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.3039 | – | ZK 39,455.92 | |
| | 26.0900 | £0.00 | ZK 39,135.00 | −ZK 320.92 |
| | 26.4448 | £23.81 | ZK 39,037.55 | −ZK 418.37 |
| | 25.9240 | £0.99 | ZK 38,860.38 | −ZK 595.54 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.2998 | – | ZK 39,449.73 | |
| | 26.0700 | £0.00 | ZK 39,105.00 | −ZK 344.73 |
| | 25.9735 | £0.99 | ZK 38,934.58 | −ZK 515.15 |
| | 26.3619 | £23.82 | ZK 38,914.91 | −ZK 534.82 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.3628 | – | ZK 39,544.13 | |
| | 26.1100 | £0.00 | ZK 39,165.00 | −ZK 379.13 |
| | 26.4855 | £23.80 | ZK 39,097.90 | −ZK 446.23 |
| | 26.0258 | £0.99 | ZK 39,012.99 | −ZK 531.14 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.3005 | – | ZK 39,450.79 | |
| | 26.2100 | £0.00 | ZK 39,315.00 | −ZK 135.79 |
| | 26.4532 | £23.81 | ZK 39,049.95 | −ZK 400.84 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.4966 | – | ZK 39,744.83 | |
| | 26.9206 | £23.79 | ZK 39,740.46 | −ZK 4.37 |
| | 26.3400 | £0.00 | ZK 39,510.00 | −ZK 234.83 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.6592 | – | ZK 39,988.86 | |
| | 27.2340 | £23.78 | ZK 40,203.38 | +ZK 214.52 |
| | 26.4200 | £0.00 | ZK 39,630.00 | −ZK 358.86 |
| | 26.2420 | £0.99 | ZK 39,336.99 | −ZK 651.87 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.6592 | – | ZK 39,988.86 | |
| | 27.2340 | £23.78 | ZK 40,203.38 | +ZK 214.52 |
| | 26.4200 | £0.00 | ZK 39,630.00 | −ZK 358.86 |
| | 26.2420 | £0.99 | ZK 39,336.99 | −ZK 651.87 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.7546 | – | ZK 40,131.90 | |
| | 26.4300 | £0.00 | ZK 39,645.00 | −ZK 486.90 |
| | 26.6976 | £23.78 | ZK 39,411.53 | −ZK 720.37 |
| | 26.2489 | £0.99 | ZK 39,347.32 | −ZK 784.58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.6646 | – | ZK 39,996.93 | |
| | 27.5700 | £0.00 | ZK 41,355.00 | +ZK 1,358.07 |
| | 26.6216 | £0.99 | ZK 39,906.10 | −ZK 90.83 |
| | 26.5400 | £0.00 | ZK 39,810.00 | −ZK 186.93 |
| | 26.7440 | £23.77 | ZK 39,480.30 | −ZK 516.63 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.7228 | – | ZK 40,084.18 | |
| | 27.5700 | £0.00 | ZK 41,355.00 | +ZK 1,270.82 |
| | 26.5900 | £0.00 | ZK 39,885.00 | −ZK 199.18 |
| | 26.8928 | £23.76 | ZK 39,700.23 | −ZK 383.95 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.8862 | – | ZK 40,329.25 | |
| | 26.7000 | £0.00 | ZK 40,050.00 | −ZK 279.25 |
| | 28.0133 | £79.87 | ZK 39,782.53 | −ZK 546.72 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.8609 | – | ZK 40,291.38 | |
| | 27.6389 | £23.75 | ZK 40,801.93 | +ZK 510.55 |
| | 26.6800 | £0.00 | ZK 40,020.00 | −ZK 271.38 |
| | 26.4537 | £0.99 | ZK 39,654.36 | −ZK 637.02 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.8708 | – | ZK 40,306.15 | |
| | 26.7692 | £0.00 | ZK 40,153.74 | −ZK 152.41 |
| | 26.6800 | £0.00 | ZK 40,020.00 | −ZK 286.15 |
| | 27.1010 | £23.75 | ZK 40,007.85 | −ZK 298.30 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.8708 | – | ZK 40,306.15 | |
| | 26.7692 | £0.00 | ZK 40,153.74 | −ZK 152.41 |
| | 26.6800 | £0.00 | ZK 40,020.00 | −ZK 286.15 |
| | 27.1010 | £23.75 | ZK 40,007.85 | −ZK 298.30 |
| | 26.4931 | £0.99 | ZK 39,713.41 | −ZK 592.74 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.8253 | – | ZK 40,237.90 | |
| | 27.8857 | £33.61 | ZK 40,891.31 | +ZK 653.41 |
| | 26.6800 | £0.00 | ZK 40,020.00 | −ZK 217.90 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.8994 | – | ZK 40,349.13 | |
| | 26.6300 | £0.00 | ZK 39,945.00 | −ZK 404.13 |
| | 26.9521 | £23.77 | ZK 39,787.50 | −ZK 561.63 |
| | 26.5124 | £0.99 | ZK 39,742.32 | −ZK 606.81 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.8492 | – | ZK 40,273.84 | |
| | 27.5200 | £0.00 | ZK 41,280.00 | +ZK 1,006.16 |
| | 27.6017 | £23.79 | ZK 40,745.91 | +ZK 472.07 |
| | 26.4373 | £0.99 | ZK 39,629.79 | −ZK 644.05 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.8144 | – | ZK 40,221.60 | |
| | 26.8700 | £0.00 | ZK 40,305.00 | +ZK 83.40 |
| | 26.9516 | £23.78 | ZK 39,786.49 | −ZK 435.11 |
| | 26.4962 | £0.99 | ZK 39,718.08 | −ZK 503.52 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 27.0567 | – | ZK 40,585.09 | |
| | 27.1200 | £0.00 | ZK 40,680.00 | +ZK 94.91 |
| | 27.2094 | £23.75 | ZK 40,167.88 | −ZK 417.21 |
| | 26.6733 | £0.99 | ZK 39,983.50 | −ZK 601.59 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.9826 | – | ZK 40,473.97 | |
| | 27.2000 | £0.00 | ZK 40,800.00 | +ZK 326.03 |
| | 27.2770 | £23.75 | ZK 40,267.67 | −ZK 206.30 |
| | 26.7252 | £0.99 | ZK 40,061.37 | −ZK 412.60 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.9816 | – | ZK 40,472.46 | |
| | 27.2100 | £0.00 | ZK 40,815.00 | +ZK 342.54 |
| | 27.2770 | £23.75 | ZK 40,267.67 | −ZK 204.79 |
| | 26.7252 | £0.99 | ZK 40,061.37 | −ZK 411.09 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 27.1028 | – | ZK 40,654.15 | |
| | 27.0500 | £0.00 | ZK 40,575.00 | −ZK 79.15 |
| | 27.1414 | £23.75 | ZK 40,067.49 | −ZK 586.66 |
| | 26.7282 | £0.99 | ZK 40,065.87 | −ZK 588.28 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 27.1490 | – | ZK 40,723.50 | |
| | 27.1400 | £0.00 | ZK 40,710.00 | −ZK 13.50 |
| | 27.2361 | £23.74 | ZK 40,207.56 | −ZK 515.94 |
| | 26.7658 | £0.99 | ZK 40,122.16 | −ZK 601.34 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 27.1331 | – | ZK 40,699.59 | |
| | 27.2200 | £0.00 | ZK 40,830.00 | +ZK 130.41 |
| | 27.3478 | £23.72 | ZK 40,373.01 | −ZK 326.58 |
| | 26.9331 | £0.99 | ZK 40,372.94 | −ZK 326.65 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 27.3567 | – | ZK 41,035.00 | |
| | 28.2700 | £0.00 | ZK 42,405.00 | +ZK 1,370.00 |
| | 28.3435 | £42.71 | ZK 41,304.70 | +ZK 269.70 |
| | 26.9991 | £0.99 | ZK 40,471.94 | −ZK 563.06 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 27.2476 | – | ZK 40,871.43 | |
| | 28.0100 | £0.00 | ZK 42,015.00 | +ZK 1,143.57 |
| | 26.8810 | £0.99 | ZK 40,294.95 | −ZK 576.48 |
| | 28.0572 | £67.62 | ZK 40,188.57 | −ZK 682.86 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 27.1397 | – | ZK 40,709.54 | |
| | 27.1100 | £0.00 | ZK 40,665.00 | −ZK 44.54 |
| | 26.9004 | £0.99 | ZK 40,323.91 | −ZK 385.63 |
| | 27.1549 | £23.77 | ZK 40,086.88 | −ZK 622.66 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 27.2169 | – | ZK 40,825.39 | |
| | 27.1100 | £0.00 | ZK 40,665.00 | −ZK 160.39 |
| | 26.9004 | £0.99 | ZK 40,323.91 | −ZK 501.48 |
| | 27.1549 | £23.77 | ZK 40,086.88 | −ZK 738.51 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 27.2357 | – | ZK 40,853.58 | |
| | 27.2000 | £0.00 | ZK 40,800.00 | −ZK 53.58 |
| | 26.9507 | £0.99 | ZK 40,399.40 | −ZK 454.18 |
| | 27.2602 | £23.75 | ZK 40,242.87 | −ZK 610.71 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 27.2614 | – | ZK 40,892.05 | |
| | 27.3700 | £0.00 | ZK 41,055.00 | +ZK 162.95 |
| | 27.4289 | £23.73 | ZK 40,492.46 | −ZK 399.59 |
| | 26.9742 | £0.99 | ZK 40,434.57 | −ZK 457.48 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 27.2614 | – | ZK 40,892.05 | |
|---|---|---|---|---|
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Each line shows what the recipient gets when you send £1,500, after fees, as quoted by each company. The mid-market line shows what £1,500 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.
The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.
When the blue line goes above the dashed one, you're getting more ZMW per GBP than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
In the past month, a money transfer company beat the mid-market rate on 15 of the last 30 days.
Right now, Remitly pays 41,055 ZMW on 1,500 GBP, which is 162.95 ZMW more than the mid-market amount, so it's a good deal (pretty much free money).
Today's payout isn't the best this month though, since the highest receive amount was 42,405 ZMW.
If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.
If you need to send money now, it's a good time to send.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Zambia.
We've tracked 239 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.
Cheapest every time
Cheapest in 4% of them
Never the cheapest
Based on 56 comparisons across 8 amounts over the last 7 days.
Cheapest in 68% of them
Cheapest in 17% of them
Never the cheapest
Based on 239 comparisons across 8 amounts over the last 30 days.
Cheapest in 68% of them
Cheapest in 13% of them
Cheapest in 19% of them
Based on 620 comparisons across 8 amounts over the last 90 days.
Different companies can come out cheapest depending on the day and the amount you send.
To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).
Today Remitly is the cheapest and gets you the most ZMW, and it was also the cheapest in 68% of the 120 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Zambia.
Wise (today's second cheapest) was the cheapest in only 17% of its comparisons, so it's rarely the cheapest option for transfers to Zambia.
There are many ways to send money to Zambia from the UK, including app, online, in person, SNPL, digital wallet, multi-currency account, global business account, and currency broker, and more.
For small & frequent transfers
If you send small amounts back home to Zambia, say weekly or monthly, an app like Remitly is the easiest and cheapest way to do it.
It charges £0 in fees, has -0.4% markup, lets you save recipient details, and ZMW will arrive in minutes.
Over the past month, Remitly was the cheapest app on 70% of the days it appeared for £1,500 transfers.
For one off transfers
Sending money online is good for occasional medium sized ZMW transfers, around £1,000 - £5,000.
Online companies like Remitly often have higher limits and/or first time promos.
Of the 7 companies we compared, Remitly is the cheapest online service and will get you ZK41,055 on a £1,500 transfer.
In our comparisons over the past month, it was the cheapest online service on 23 of the 30 days it quoted.
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 real human support.
Xe charges no fees on large transfers, but adds 3.79% markup on top of the current GBP/ZMW rate.
The markup gets better the more GBP you send, so we suggest .
Our analysis shows Xe was the cheapest broker in 0% of the transfers from £6,000 it quoted.
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 ZK40,492.46 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).
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
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 Remitly, using a debit card to deposit GBP and bank deposit 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 debit card.
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 credit 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, mobile money, cash pickup, mobile wallet, and card deposit, and each delivery method comes with its own fees.
The cheapest way to receive money in Zambia is with mobile money on average.
Receiving cash
Remitly is the cheapest option for cash pickup (getting you ZK41,055 on a £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
ZK41,055
Cheapest
You pay £1,500.00
ZK41,055
ZK0
You pay £1,500.00
ZK41,055
ZK0
You pay £1,500.00
ZK40,435
-ZK620
You pay £1,500.00
ZK40,285
-ZK770
You pay £1,504.99
ZK40,085
-ZK970
You pay £1,504.99
ZK40,085
-ZK970
You pay £1,500.00
ZK39,894
-ZK1,161
You pay £1,500.00
ZK39,432
-ZK1,623
You pay £1,500.00
ZK39,432
-ZK1,623
You pay £1,500.00
ZK38,729
-ZK2,326
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 a £1,500 transfer to Zambia:
Cheapest way to send money to Zambia
The cheapest way is to use Remitly, pay in with a debit card and withdraw via bank deposit. You will get ZK41,055, which is 1.37% 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 ZK40,335 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.
These are anti-money-laundering checks, and they can hold your transfer up, so have the documents ready.
Your cost is the fee plus the exchange-rate margin.
For example, sending £1,500 with Remitly will get you 41,055 ZMW, that’s including £0 fee and -0.4% in exchange rate markup.
There is no UK tax for the act of sending money to Zambia.
And, regular gifts from your normal income are free of inheritance tax straight away, with no cap and no seven-year wait, as long as you can still cover your usual living costs.
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.
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.
In the past 30 days alone, we analysed 239 comparisons across 8 amounts.
This page covers the cheapest and fastest options for GBP/ZMW transfers. This is how we pick them:
Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.
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.
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