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

Comparing providers offering services between Kenya and Zambia, based on your specific needs is the best way to send money with confidence.

Right now, for KES/ZMW

• Regency FX is our top choice for KES to ZMW transfers. Sending 1,000,000 KES to ZMW will cost you KSh0 in fees, and you will receive 146,250.06 ZMW. The delivery time usually is minutes - 24 hours, but it depends on the day you make the transfer.

• Regency FX offers the lowest cost transfers of the 1 compared. Data collected for transfers between Kenya and Zambia over the past week shows that Regency FX is 0% cheaper than the second-best option.

• Of 1 companies compared, Regency FX offers the quickest way to send Kenyan Shillings to Zambia is with minutes - 24 hours. When speed matters, Regency FX is our recommended choice for sending into Zambia from Kenya.

Our comparison includes 1 companies that provide the ability to send Kenyan Shilling to Zambia.

This ensures you get the best options for transfers to Zambia from Kenya, based on the amount you want to send.

The exchange rate determines the price you’ll pay for Zambian Kwacha when sending Kenyan Shilling to Zambia.

The rate between the Kenyan Shilling and Zambian Kwacha is currently 0.147.

The total cost of money transfers from Kenya to Zambia is a combination of fees and exchange rates. Get the best of both, and you will be getting a good deal.

• The Mid-Market and Exchange Rates: The mid-market rate for KES-ZMW is currently 0.147 ZMW per Kenyan Shilling. Providers offering services closer to this rate will ensure more Zambian Kwacha for your Kenyan Shillings.

• Fees: Transfer fees are charged alongside a transfer. The company offering the lowest fee is Regency FX, charging 0 KES per transfer. In all cases, we recommend searching for your exact send amount as fees may change.

• Amount Received: Money transfer companies will show you the amount eventually received in Zambian Kwacha. Simply, the higher the amount received in Kenya, the lower the cost of sending from Zambia.

Sometimes, waiting a day or two can help you get more ZMW for the same amount of Kenyan Shilling. Using a forward contract that also allows you to lock in an agreed exchange rate between Kenya and Zambia.

Sending money via a bank transfer is the recommended option for sending money from Kenya to Zambia.

Here are all the ways to send money from Kenya to Zambia:

Bank transfers

Paying via a bank transfer is often the better option for sending money from Kenya to Zambia.

By using a money transfer company such as Regency FX for transfers from Kenya to Zambia, you can send money and while benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


Debit and prepaid cards

Sending money from Kenya to Zambia with a debit or a prepaid card is easy with .


is a one of the better options in the market for international debit card transfers from Kenya to Zambia.

Credit cards

Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone (especially with high cash advance fees).

We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.

Some services between Kenya and Zambia have minimum or maximum thresholds on how much you can transfer. This is applies when receiving money in Zambia as well.

Companies will offer different rates and fees for different transfer amounts. For regular transfers to Zambia, use Regency FX. The combination of rates and fees when sending from Kenya to Zambia is the most competitive, even at larger amounts.

Also, always check with the recipient and understand any declarations needed on large amounts of money leaving Kenya, or entering Zambia. Mis-understanding these could result in a slower, or even failed, transfer.

There are different ways to receive Zambian Kwacha in Zambia. This includes a direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account.

Not all providers serving transfers from Kenya to Zambia will offer every method for incoming Zambian Kwacha, so it’s best to check ahead of time.

One of the more common ways to transfer from Kenya into Zambian Kwacha is directly into a bank account. Regency FX is the best company for bank transfers between Kenya and Zambia.

And if you need cash right away, check if cash pickup is an option for transfers between Kenya and Zambia.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Regency FX.

When signing up to and sending Kenyan Shilling to Zambia, through a money transfer company, you will have to verify your ID.

The precise documents you need will vary and in some cases you will need more than one.

For the most part however, in Kenya this will be a government issued ID such as a passport or driver's license. In Zambia it will be similar, although this should only be needed if you are opening a new account in Zambia, or collecting in cash. Sending to an existing bank account in Zambia shouldn’t require any additional ID checks.

Large transactions between Kenya and Zambia, are subject to additional checks. A provider may ask you for proof of address or may want to carry out a proof of funds check.

One of the reasons Regency FX has scored so highly for transfers to Zambia is their easy sign up process in Kenya.

When sending large amounts of money between Kenya and Zambia there will potentially be a tax declaration to consider.

Some transfers into Zambian Kwacha may need to be reported to tax authorities in Zambia, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances will change in Zambia based on age, income and a few other elements. When in doubt, please contact a tax professional in Kenya or Zambia to discuss your personal circumstances.