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Send money from Zambia to Nigeria
"Western Union agents help you send money from a wide variety of countries. Find a local branch near you to deposit cash and send your funds abroad."
"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."
"If you and the person you are sending money to both have PayPal apps, you can quickly and easily send money between each other."
Alternative for Zambia to Nigeria
While you can’t send ZMW to NGN with Wise, you can transfer USD to USD.
"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."
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.
The best way to send money from Zambia to Nigeria is using PayPal P2P transfer service.
With P2P transfers, if you and your recipient both have the PayPal app, you can send money between them.
You will initiate the transfer in ZMW and your recipient will receive the NGN into their PayPal account.
The downside of this, is that PayPal charges higher fees and the withdrawal options can be limited depending.
How to to send from Zambia to Nigeria in the best way
Always compare rates
Money transfers to Nigeria should be easy. Use our live comparison tool to make sure you aren't missing the best rates to send money from Zambia to Nigeria.
Choose a provider
Select the provider that offers you the best value on your Zambian Kwacha & service for your needs.
Click, sign up & send
Follow the steps & start your transfer. Your funds will soon be on their way to Nigeria.
Summary of recent searches
Considerations for money transfers from Zambia to Nigeria
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 3 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.
Watch the Zambian Kwacha-Naira exchange rate
Choose the right payment method
Use providers regulated in Nigeria and Zambia
Consider transfer limits
Receiving money in Nigeria
Have your ID ready
Tax declarations
The cheapest way to send money to Nigeria from Zambia is to send cash via Western Union Agent.
Generally speaking, sending cash is more expensive than using the online transfer, however, after looking at 100+ money transfer companies, there aren’t many options servicing ZMW/NGN.
The main cost is made up of the fee (around 3 ZMW) and the exchange rate markup added on top.
However, this heavily depends on which branch you use, and how much ZMW you are sending.
The fastest way to send money to Nigeria from Zambia is to use cash transfer via MoneyGram Agent
In most cases cash transfers with MoneyGram are instant, and your recipient will be able to collect NGN in minutes.
However, depending on how much you send, it can take a bit longer (up to a day) due to the processing time.
With the limited number of money transfer companies servicing ZMW/NGN, cash transfer with MoneyGram is the fastest way.
Sending large amounts of money
Of the 3 companies compared, Western Union Agent 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 Western Union Agent 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 63.7185 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 64.0405 NGN per Zambian Kwacha, hitting a high of 64.2357 and a low of 63.6189.
Western Union Agent 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. Western Union Agent currently offers lowest fees of 3 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.
Over the last 7 days, the average numbers are:
The exchange rate from ZMW to NGN averaged 64.0405 NGN.
The highest value recorded was 64.2357 NGN, while the lowest was 63.6189 NGN.
3 providers currently offer transfers between Zambia and Nigeria close to this rate
Want to secure the best ZMW-Naira exchange rates?
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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 Western Union Agent 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, Western Union Agent is the cheapest provider for bank transfers from the 3 we tested when sending ZMW to Nigeria.
With a fee of ZMW3 to send money from Zambia to Nigeria, Western Union Agent 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 Western Union Agent.
Western Union Agent is a market leader in debit card payments for transfers from Zambia to Nigeria, this is among a total of 3 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.
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