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Send money from Zambia to South Africa
"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 South Africa
While you can’t send ZMW to ZAR 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 South Africa 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 ZAR into their PayPal account.
The downside of this, is that PayPal charges higher fees and the withdrawal options can be limited depending.
Compare for the best deal on your Zambia to South Africa transfer
Always compare rates
Don't spend more than you have to. Use our live comparison tool to compare rates on money transfers from Zambia to South Africa.
Choose a provider
Pick the provider that offers you the best value & service for your needs for ZMW to ZAR transfers.
Click, sign up & send
Follow the steps & make your transfer. Your funds will soon be heading to South Africa.
Summary of recent searches
Transfer consider from Zambia to South Africa
Compare available providers
A comparison of providers offering services between Zambia and South Africa is paramount. Based on your specific transfer amount, the best way to send money to South Africa could change. Comparing ensures the best price for your needs.
For services allowing you to send Zambian Kwacha to South Africa we've compared 3 providers.
This coverage of the market ensure you will get the best options for your transfer to South Africa from Zambia.
Overall, we rated Western Union Agent as the best, but remember comparing for your specific transfer gives you a comprehensive view of all the options for transferring money from Zambia to South Africa.
Getting the best Zambian Kwacha-Rand exchange rate
Choose the right payment method
Financial regulators
Consider transfer limits
Consider how the money will be received
Have your ID ready
Tax declarations in South Africa
The cheapest way to send money to South Africa from Zambia is using Western Union cash transfer service.
While online transfers are usually cheaper, there are very few providers offering ZMW to ZAR transfers, making cash transfer through a Western Union Agent the most practical and affordable option available.
The overall cost of your transfer includes both the transfer fee (around 3 ZMW per 5,700 ZMW) and the exchange rate markup applied by Western Union.
These costs can vary depending on the branch location, payment method, and the amount you’re sending, so it’s always worth checking with your branch before making a transfer.
Fastest way to send money to South Africa from Zambia : MoneyGram cash pickup
When speed is your priority, the quickest way to transfer money from Zambia to South Africa is through a MoneyGram cash transfer.
In most cases, funds are available for pickup within minutes, allowing your recipient to collect ZAR almost instantly. Sometimes it can take a day or two, depending on the deposit method, branch, and the amount.
Given the limited online options for ZMW to ZAR transfers, using MoneyGram’s cash pickup service remains the fastest and most dependable choice.
Need to make a large transfer?
Western Union Agent is the best option for large transfers of the 3 providers compared.
While Western Union Agent may not always be the cheapest or fastest way to send ZMW from Zambia to South Africa, it's a great provider for larger transfers for things like buying or selling property.
Understanding the costs involved when transferring money to South Africa from Zambia
When calculating the cost of sending money from Zambia to South Africa, a combination of fees and exchange rates ensure the best deal:
The Mid-Market and Exchange Rates: The current ZMW-ZAR mid-market rate is 0.7591 ZAR per Zambian Kwacha. Finding a provider as close to this number as possible will ensure more Rand for your money.
As a comparison, the ZMW-ZAR mid-market rate for the past week has averaged 0.7523 ZAR per Zambian Kwacha, hitting a high of 0.7538 and a low of 0.7471.
Western Union Agent is currently offering the best exchange rate on transfers between Zambia and South Africa.
Often the ZMW-ZAR exchange rate you receive will be the biggest factor impacting the cost of sending Zambian Kwacha to South Africa.
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 Rand is the biggest indicator in the total cost of sending money to Zambia from South Africa. The higher the total amount received in South Africa, the lower the cost of sending from Zambia.
Track the exchange rate for Zambian Kwacha to Rand
Sending money at the right time between ZMW and ZAR can make a huge difference to overall cost. The exchange rate impacts how much ZAR you get for your ZMW.
Over the last 7 days, the average numbers are:
The exchange rate from ZMW to ZAR averaged 0.7523 ZAR.
The highest value recorded was 0.7538 ZAR, while the lowest was 0.7471 ZAR.
3 providers currently offer transfers between Zambia and South Africa close to this rate
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Payment methods for Zambia to South Africa transfers
Bank transfers
Bank transfers are often the fastest option, and normally the cheapest, for sending money from Zambia to South Africa.
By opting for a money transfer company such as Western Union Agent for transfers from Zambia to South Africa, 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 South Africa.
With a fee of ZMW3 to send money from Zambia to South Africa, 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 South Africa is easy with Western Union Agent.
Western Union Agent is a market leader in debit card payments for transfers from Zambia to South Africa, 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 South Africa, 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 South Africa 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 South Africa.
We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send ZMW to ZAR.
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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