MoneyTransfers

How to send money to Zambia from Kenya with the best KES-ZMW rate

Regency FX is the cheapest way to send money from Kenya to Zambia, giving your recipient 150,069.71 ZMW from KSh1,000,000.

Use bank transfer to deposit KES and bank deposit to withdraw ZMW to get the most of your transfer.

Best companies for KES/ZMW transfers

1 of 1 providers

Last updated on 28 September 2026

Based on 1,000,000 KES transfer

Best companies for KES/ZMW transfers

Sort Cheapest
Promoted

Regency FX

Pay via Bank transfer
Fee Ksh 0.00 1 KES = 0.1501 ZMW +0.27% vs mid-market Recipient gets ZK 150,069.71 Minutes - 24 hours
9 reviews
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 KES = 0.1501 ZMW
ZK 150,069.71You payKsh 1,000,000.00

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Regency FX

Pay via Bank transfer
Fee Ksh 0.00 1 KES = 0.1501 ZMW +0.27% vs mid-market Recipient gets ZK 150,069.71 Minutes - 24 hours
9 reviews
CheapestFastestRecommended
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 KES = 0.1501 ZMW
ZK 150,069.71You payKsh 1,000,000.00
How Our Results Work
Mid-market rate: 1 KES = 0.1505 ZMW Updates every 60 minutes.

How to send money from Kenya to Zambia

Pick a company

Start with the cheapest option, which is Regency FX. It will get you the most ZMW on a KES 1,000,000 transfer.

This heavily depends on how much you send, so I suggest to get the best KES/ZMW rate.

Fund your transfer

You have 1 ways to pay, including bank transfer.

Paying from your M-Pesa balance is quickest way to fund the transfer (but you'll need to top it up with cash first).

Verify and send

You'll need your ID and your KRA PIN to register.

Nobody legitimate will ask for your PIN to reverse a transfer or verify anything, so treat that as the end of the conversation.

Ways to send money from Kenya to Zambia

You have 1 companies sending money from Kenya to Zambia.

Paying from business accounts

Global accounts

Global accounts help Kenyan businesses pay suppliers and contractors in Zambia.

Payoneer and Veem specialise in recurring business payments, invoicing, and getting paid into Kenyan accounts from Zambia.

Currency brokers

Currency brokers have no fees and add markup instead.

Usually the more KES you send to Zambia, the better rate you will get.

The availability also depends on wherever you live in Kenya or just need to send KES from somewhere else.

Regency FX charges no fee and adds 0.27% on EUR/ZMW rate.

Ways to fund KES and receive ZMW in Zambia

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending KSh1,000,000 gives your recipient 150,069.71 ZMW.

Fund the transfer using bank transfer.

In Zambia, they can receive ZMW with bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay KSh1,000,000.00

    K150,070

    Cheapest

Consider this before sending KES to Zambia

Mobile money is the natural starting point for this route, but the registered recipient name and the tax added to the transfer fee both matter.

Compare KES/ZMW transfer services

There are 1 companies available for a KSh1,000,000 payment to Zambia.

Cheapest option

Regency FX is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 150,069.71 ZMW, which is 0% more than the next best option.

Fastest option

Regency FX sends bank transfer to bank deposit in minutes - 24 hours, giving the recipient 150,069.71 ZMW.

Excise duty applies to the fee

Kenya charges 15% excise duty on fees for money-transfer services.

It applies to the fee charged by the bank, mobile operator or money transfer company, not to the KSh1,000,000 being sent.

Check the CBK licence when in doubt

Use the Central Bank of Kenya's directory to check a money-remittance company.

A legitimate company should also display its CBK licence or authorisation at its premises.

Live KES-ZMW Exchange Rate

Get the best KES to ZMW exchange rate

The rate determines how much ZMW reaches the recipient for your KES. A recent high and low help you judge the quote before sending.

Mid-market rate:1 KES = 0.150132 ZMW

How we analyse the market

Only companies licensed by the Central Bank of Kenya appear here, which is the same check worth doing yourself before signing up anywhere.

We track 1 of them on KES to Zambia in real time on live comparisons, comparing rates, fees and how the money is sent and collected, and each goes through our review.

More on who we are, why you can trust us and getting started.

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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