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How to send money to Nigeria from Zambia with the best ZMW-NGN rate

Find money transfer deals for sending money from Zambia to Nigeria. Compare the cheapest, fastest, and most reliable providers with the best ZMW to NGN exchange rates.

Read on for the best deals, expert information, and easiest ways to send money to Nigeria from Zambia.

Transferring the other way? Send NGN from Nigeria to Zambia instead.
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August 11th, 2025
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Best money transfer companies

Send money from Zambia to Nigeria

Last updated: Today
Mid-market rate as of 08/11/2025: 1 ZMW = 66.15486 NGN
Results below are based on a 193209 ZMW search
0 of 1 providers
Live Rates
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1
WorldRemit
Recipient gets (NGN)
₦12,704,695.27
Full transfer details
Visit WorldRemit
₦306,432 better than a typical bank*

"24/7 live chat support provided in six languages. Special first transfer rates available, with airtime topup supported to many countries in Africa, Asia and South America."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Mid-market rate updates every 60 minutes
How effectively does your finance team manage international cash flow?

In our experience, there are always efficiencies to be made in how businesses manage international payments in and out.

Why not take our free FX health check test to see how effective your business is in managing these. It only takes a couple of minutes.

Overall best way: WorldRemit

WorldRemit is our recommended company for transferring Zambian Kwacha to Nigeria.

We tested & reviewed 1 transfer providers, and WorldRemit scored highly.

Sending 193,209 ZMW to NGN will cost you K5 in fees, and you will receive 12,704,695.27 NGN. The delivery time is minutes - 2 days, but it depends on the day you make the transfer.

So for a great mix of cost, speed & features, make your Zambia to Nigeria transfer using WorldRemit.

WorldRemit is the top rated company for sending money from Zambia (ZMW) to Nigeria (NGN) - WorldRemit Screenshot 1
WorldRemit is the top rated company for sending money from Zambia (ZMW) to Nigeria (NGN) - WorldRemit Screenshot 2

How to to send from Zambia to Nigeria in the best way

Summary of recent searches

Top rated for transfers from Zambia to Nigeria
WorldRemit
Total number of ZM - NG providers
1
Average cheapest fees & rate
WorldRemit
Average fastest transfer
WorldRemit
Average transfer time
Within minutes

Considerations for money transfers from Zambia to Nigeria

1
Compare providers

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

Our comparison includes 1 companies that provide the ability to send Zambian Kwacha to Nigeria.

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

2
Watch the Zambian Kwacha-Naira exchange rate
3
Choose the right payment method
4
Use providers regulated in Nigeria and Zambia
5
Consider transfer limits
6
Receiving money in Nigeria
7
Have your ID ready
8
Tax declarations

Cheapest way to send money to Nigeria from Zambia: WorldRemit

WorldRemit combines the lowest fees with the best exchange rate and from the 1 companies compared offers the cheapest transfers to Nigeria from Zambia.

Data collected through our comparison over the past week shows that WorldRemit is 0% cheaper than the second-best option.

The cost is made up of a fee of 5 ZMW and an exchange rate for buying Naira with Zambian Kwacha that is 0.6% different to the mid-market rate.

If you want to secure the best rates on a Zambia to Nigeria transfer, WorldRemit offers value. We would still recommend searching for the amount you want to send to Nigeria.

WorldRemit is the cheapest way to send money from Zambia (ZMW) to Nigeria (NGN) - WorldRemit Screenshot 1
WorldRemit is the cheapest way to send money from Zambia (ZMW) to Nigeria (NGN) - WorldRemit Screenshot 2

Fastest money transfers from Zambia to Nigeria: WorldRemit.

Of the 1 money transfer companies tested, WorldRemit offered the quickest way to send Zambian Kwachas to Nigeria.

Based on our recent data, transfer time for a K193,209 transfer to Nigeria with WorldRemit is minutes - 2 days. This can vary by amount and method, but it is a good point of reference.

Sending money from Zambia to Nigeria through WorldRemit will cost you 5 ZMW in fees & small markup.

WorldRemit was one of 1 money transfer providers we compared for overall speed of sending money from Zambia to Nigeria. This speed test included depositing Zambian Kwachas to an account and the average timeframe for sending money to Nigeria.

When fast transfers are a priority, WorldRemit is our best choice for sending from Zambia to Nigeria.

WorldRemit is the fastest way to send money from Zambia (ZMW) to Nigeria (NGN) - WorldRemit Screenshot 1
WorldRemit is the fastest way to send money from Zambia (ZMW) to Nigeria (NGN) - WorldRemit Screenshot 2

Sending large amounts of money

Transferring Zambian Kwacha to Naira in large sums calls for a strong exchange rate and hands-on management of the transfer.

Of the
1 companies compared, WorldRemit has the strongest option for large transfers from Zambia to Nigeria.

Whatever the reason, sending bigger sums of money can be costly if you get a bad exchange rate from Zambian Kwacha to Naira.

The WorldRemit rate makes them great for large transfers between Nigeria and Zambia.

Understanding the costs involved when transferring money to Nigeria from Zambia

When calculating the cost of sending money from Zambia to Nigeria, a combination of fees and exchange rates ensure the best deal:

The Mid-Market and Exchange Rates: The current ZMW-NGN mid-market rate is 65.9733 NGN per Zambian Kwacha. Finding a provider as close to this number as possible will ensure more Naira for your money.

  • As a comparison, the ZMW-NGN mid-market rate for the past week has averaged 66.2493 NGN per Zambian Kwacha, hitting a high of 66.4969 and a low of 65.9371.

  • WorldRemit is currently offering the best exchange rate on transfers between Zambia and Nigeria.

  • Often the ZMW-NGN exchange rate you receive will be the biggest factor impacting the cost of sending Zambian Kwacha to Nigeria.

Fees: Transfer fees are charged on top of a transfer. WorldRemit currently offers lowest fees of 5 ZMW. Although we recommend searching for your exact send amount for an exact fee.

Amount Received: The total amount received in Naira is the biggest indicator in the total cost of sending money to Zambia from Nigeria. The higher the total amount received in Nigeria, the lower the cost of sending from Zambia.

Track the exchange rate for Zambian Kwacha to Naira

Sending money at the right time between ZMW and NGN can make a huge difference to overall cost. The exchange rate impacts how much NGN you get for your ZMW.

Mid-market Rate
1 
ZMW
=
65.973311 
NGN

Over the last 7 days, the average numbers are:

  • The exchange rate from ZMW to NGN averaged 66.2493 NGN.

  • The highest value recorded was 66.4969 NGN, while the lowest was 65.9371 NGN.

  • 1 providers currently offer transfers between Zambia and Nigeria close to this rate

Want to secure the best ZMW-Naira exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Zambia to Nigeria!

Payment methods for Zambia to
Nigeria transfers

  • Bank transfers

    Bank transfers are often the fastest option, and normally the cheapest, for sending money from Zambia to Nigeria.

    By opting for a money transfer company such as for transfers from Zambia to Nigeria, you can send money via a bank transfer while benefiting from lower fees and more favorable exchange rates. 


    On average, is the cheapest provider for bank transfers from the 1 we tested when sending ZMW to Nigeria.

    With a fee of ZMW to send money from Zambia to Nigeria, offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid card payments

    Using a debit card, or prepaid option, for sending money from Zambia to Nigeria is easy with .


    is a market leader in debit card payments for transfers from Zambia to Nigeria, this is among a total of 1 money transfer companies compared.

  • Credit cards transfers

    When it comes to the credit card deposits, when sending money from Zambia to Nigeria, we recommend comparing your options to get the best deal.

    Fee alert: credit card money transfers often result in a cash advance fee being charged by your card issuer. We recommend bank transfer or debit card where possible.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Nigeria and Zambia.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from Zambia to Nigeria.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send ZMW to NGN.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy and review methodology.

Money transfer company reviews

How much money can be transferred from Zambia to Nigeria?
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Can I send money from Zambia to Nigeria with MoneyTransfers.com?
What are the typical transfer fees for sending Zambian Kwachas to Nigeria through various providers?
How long does it take to send money from Zambia to Nigeria?
What is the best exchange rate I can get for sending money from Zambia to Nigeria?
Are there any minimum or maximum transfer amounts for sending money from Zambia to Nigeria?
Can I schedule regular transfers between Zambia and Nigeria?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is the founder and CEO of MoneyTransfers.com, with over 10 years’ experience building consumer products across finance, insurance, and travel. A frequent traveler himself, Luke has hands-on experience testing payment and transfer services globally, giving him a unique perspective on the real-world challenges users face. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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