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 155,104.09 ZMW from KSh1,000,000.
Use bank transfer to deposit KES and bank deposit to withdraw ZMW to get the most out of your transfer.
Best companies for KES/ZMW transfers
1 of 1 providers
Last updated on 28 October 2026i
This page updates weekly. We collect, store, and analyze KES/ZMW exchange rates from our comparisons.
Based on 1,000,000 KES transfer
Best companies for KES/ZMW transfers
All money transfer offers for KES/ZMW transfers, sorted by most ZMW received. The first two offers may be sponsored promotions. Some offers here pay us a commission.
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 = 0.1551 ZMW
ZK 155,104.09You payKsh 1,000,000.00
Run a live search
Showing top Kenya to Zambia deals for 1,000,000 KES. 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 KES 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 KES you're planning to spend in Zambia.
Run a live search
These are managed services with real human support for large KES transfers. Click the link and update the transfer amount to get the best deal.
Mid-market rate: 1 KES = 0.1555 ZMWUpdates every 60 minutes.
Transfer details
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.
Regency FX was the cheapest on 29 of the 29 days it quoted KSh1,000,000 transfers to Zambia.
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 the 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.
Compare amounts
How much KES are you sending to Zambia?
How much KES 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 Regency FX was the cheapest in 100% of all the transfers it quoted over the past month.
How much more the cheapest provider gets you than the average of all providers we compared at this amount.
Cheapest service
Ksh 270,000
0.27%
Ksh 0.00
ZK 41,868.41with bank transfer to bank deposit
ZK 0.00
Ksh 1,000,000This page
0.27%
Ksh 0.00
ZK 155,104.09with bank transfer to bank deposit
ZK 0.00
Mid-market rate: 1 KES = 0.1555 ZMW
KES/ZMW Exchange Rate History
Is today a good time to send money from Kenya to Zambia?
The cheapest way to send KES 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 Regency FX), across 30 days of comparisons for 1,000,000 KES transfers to Zambia.
Show on chart
ZMW received for Ksh 1,000,000, after fees
Wed, 28 Oct 2026Mid-market rateZK 155,524.00Regency FXZK 155,104.09Regency FXZK 155,104.09
154,000
154,500
155,000
155,500
156,000
At the mid-market rateWith the cheapest optionRegency FX
22 Oct23 Oct24 Oct25 Oct26 Oct27 Oct28 Oct
149,000
150,000
151,000
152,000
153,000
154,000
155,000
156,000
At the mid-market rateWith the cheapest optionRegency FX
29 Sept9 Oct18 Oct28 Oct
140,000
145,000
150,000
155,000
160,000
At the mid-market rateWith the cheapest optionRegency FX
12 Aug7 Sept2 Oct28 Oct
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1503
–
ZK 150,319.00
Locked-in rate
Regency FXCheapest
0.1499
Ksh 0.00
ZK 149,913.14
−ZK 405.86
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1510
–
ZK 151,001.00
Locked-in rate
Regency FXCheapest
0.1506
Ksh 0.00
ZK 150,593.30
−ZK 407.70
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1510
–
ZK 151,035.00
Locked-in rate
Regency FXCheapest
0.1506
Ksh 0.00
ZK 150,627.21
−ZK 407.79
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1524
–
ZK 152,357.00
Locked-in rate
Regency FXCheapest
0.1519
Ksh 0.00
ZK 151,945.64
−ZK 411.36
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1531
–
ZK 153,149.00
Locked-in rate
Regency FXCheapest
0.1527
Ksh 0.00
ZK 152,735.50
−ZK 413.50
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1514
–
ZK 151,382.00
Locked-in rate
Regency FXCheapest
0.1510
Ksh 0.00
ZK 150,973.27
−ZK 408.73
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1513
–
ZK 151,319.00
Locked-in rate
Regency FXCheapest
0.1509
Ksh 0.00
ZK 150,910.44
−ZK 408.56
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1518
–
ZK 151,759.00
Locked-in rate
Regency FXCheapest
0.1513
Ksh 0.00
ZK 151,349.25
−ZK 409.75
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1521
–
ZK 152,146.00
Locked-in rate
Regency FXCheapest
0.1517
Ksh 0.00
ZK 151,735.21
−ZK 410.79
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1531
–
ZK 153,118.00
Locked-in rate
Regency FXCheapest
0.1527
Ksh 0.00
ZK 152,704.58
−ZK 413.42
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1530
–
ZK 152,966.00
Locked-in rate
Regency FXCheapest
0.1526
Ksh 0.00
ZK 152,552.99
−ZK 413.01
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1532
–
ZK 153,247.00
Locked-in rate
Regency FXCheapest
0.1528
Ksh 0.00
ZK 152,833.23
−ZK 413.77
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1532
–
ZK 153,247.00
Locked-in rate
Regency FXCheapest
0.1528
Ksh 0.00
ZK 152,833.23
−ZK 413.77
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1530
–
ZK 153,012.00
Locked-in rate
Regency FXCheapest
0.1526
Ksh 0.00
ZK 152,598.87
−ZK 413.13
No data was collected on Tue, 13 Oct 2026.
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1532
–
ZK 153,212.00
Locked-in rate
Regency FXCheapest
0.1528
Ksh 0.00
ZK 152,798.33
−ZK 413.67
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1530
–
ZK 153,016.00
Locked-in rate
Regency FXCheapest
0.1526
Ksh 0.00
ZK 152,602.86
−ZK 413.14
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1533
–
ZK 153,295.00
Locked-in rate
Regency FXCheapest
0.1529
Ksh 0.00
ZK 152,881.10
−ZK 413.90
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1541
–
ZK 154,113.00
Locked-in rate
Regency FXCheapest
0.1537
Ksh 0.00
ZK 153,696.89
−ZK 416.11
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1541
–
ZK 154,113.00
Locked-in rate
Regency FXCheapest
0.1537
Ksh 0.00
ZK 153,696.89
−ZK 416.11
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1548
–
ZK 154,793.00
Locked-in rate
Regency FXCheapest
0.1544
Ksh 0.00
ZK 154,375.06
−ZK 417.94
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1538
–
ZK 153,846.00
Locked-in rate
Regency FXCheapest
0.1534
Ksh 0.00
ZK 153,430.62
−ZK 415.38
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1541
–
ZK 154,057.00
Locked-in rate
Regency FXCheapest
0.1536
Ksh 0.00
ZK 153,641.05
−ZK 415.95
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1546
–
ZK 154,617.00
Locked-in rate
Regency FXCheapest
0.1542
Ksh 0.00
ZK 154,199.53
−ZK 417.47
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1546
–
ZK 154,562.00
Locked-in rate
Regency FXCheapest
0.1541
Ksh 0.00
ZK 154,144.68
−ZK 417.32
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1548
–
ZK 154,839.00
Locked-in rate
Regency FXCheapest
0.1544
Ksh 0.00
ZK 154,420.93
−ZK 418.07
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1548
–
ZK 154,839.00
Locked-in rate
Regency FXCheapest
0.1544
Ksh 0.00
ZK 154,420.93
−ZK 418.07
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1545
–
ZK 154,547.00
Locked-in rate
Regency FXCheapest
0.1541
Ksh 0.00
ZK 154,129.72
−ZK 417.28
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1553
–
ZK 155,268.00
Locked-in rate
Regency FXCheapest
0.1548
Ksh 0.00
ZK 154,848.78
−ZK 419.22
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
0.1555
–
ZK 155,524.00
Locked-in rate
Regency FXCheapest
0.1551
Ksh 0.00
ZK 155,104.09
−ZK 419.91
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Exchange rate
Fee
Recipient gets
Difference
Mid-market rate
0.1555
–
ZK 155,524.00
Regency FX
Each line shows what the recipient gets when you send Ksh 1,000,000, after fees, as quoted by each company. The mid-market line shows what Ksh 1,000,000 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 KES than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of ZMW on every transfer from Kenya.
Right now, Regency FX pays 155,104.09 ZMW on 1,000,000 KES, which is 419.91 ZMW less than the mid-market amount.
Today's payout is the highest in the past month.
Cheapest over time
Picking the cheapest money transfer company
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 50 comparisons to check how often today's top companies were the cheapest across 2 amounts over the past month.
Transfer amount
Locked-in rate
Regency FXAppeared in 7 comparisons
Cheapest every time
22 Oct28 Oct
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 14 comparisons across 2 amounts over the last 7 days.
Locked-in rate
Regency FXAppeared in 29 comparisons
Cheapest every time
29 Sept28 Oct
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 50 comparisons across 2 amounts over the last 30 days.
Locked-in rate
Regency FXAppeared in 77 comparisons
Cheapest every time
31 Jul28 Oct
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 98 comparisons across 2 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 Regency FX is the cheapest and gets you the most ZMW, and it was also the cheapest in 100% of the 29 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Zambia.
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.
Availability also depends on whether you live in Kenya or are sending KES from elsewhere.
Regency FX charges no fee and adds 0.27% on KES/ZMW rate.
Our analysis shows Regency FX was the cheapest broker in 100% of all the transfers it quoted.
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 155,104.09 ZMW.
Fund the transfer using bank transfer.
In Zambia, they can receive ZMW with bank deposit.
1
Bank transfer→Bank deposit
You pay KSh1,000,000.00
ZK155,104
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.
1
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 155,104.09 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 155,104.09 ZMW.
2
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.
A legitimate company should also display its CBK licence or authorisation at its premises.
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.
In the past 30 days alone, we analysed 50 comparisons across 2 amounts.
This page covers the cheapest and fastest options for KES/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.
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.
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