MoneyTransfers

How to send money to South Africa from Zambia with the best ZMW-ZAR rate

Find the best deals when you transfer from Zambia to South Africa. Get insights on the fastest, cheapest, and providers with the best ZMW to ZAR exchange rates.

Read on to get the best value, expert information, and analysis on ways to send money to South Africa from Zambia.

Transferring the other way? Send ZAR from South Africa to Zambia instead.
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July 3rd, 2025
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How to send money from Zambia to South Africa

Sending money from Zambia to South Africa doesn’t have a huge amount of options. Because of this, we would recommend sending money via:

Compare for the best deal on your Zambia to South Africa transfer

Sending money from Zambia to South Africa: key insights and tips

1
Compare all the options

Don't settle for the first option. Always compare ways to send money from Zambia to South Africa to find out about fees, speed, and reliability.

Your analysis should include all the providers that operate between Zambia and South Africa. Through this, you get a comprehensive view of all the options you have in Zambia when you need to send money to South Africa.

2
Think about the Zambian Kwacha-Rand exchange rate
3
Keep your money safe
4
Consider transfer limits
5
How to receive money in South Africa
6
Have your ID ready
7
Don't forget about taxes

Cheapest way to send money from Zambia to South Africa

Without any money transfer providers serving the Zambia to South Africa route, the cheapest money transfer options are limited.

We would recommend using:

Understanding the costs involved when moving money from Zambia to South Africa

When calculating the costs of money transfers between Zambia and South Africa, here's what really matters:

The Mid-Market Rate: Today, the ZMW-ZAR mid-market rate equals to 0.7345. Keep in mind that this rate fluctuates all the time.

The ZMW-ZAR average exchange rate of the past week has been 0.7443, with a highest of 0.7535 and a lowest of 0.7388.

Fees and Markups: When you pick a service with competitive exchange rates and low fees, you get to make the most out of your ZMW to ZAR transfers. This strategy keeps your costs down, offering a smart way to handle your international transactions.

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.

Mid-market Rate
1 
=
0.734533 
ZAR

Over the last 7 days, the average numbers are:

  • The exchange rate from ZMW to ZAR averaged 0.7443 ZAR.

  • The highest value recorded was 0.7535 ZAR, while the lowest was 0.7388 ZAR.

  • 5 providers currently offer transfers between Zambia and South Africa close to this rate

Want to secure the best ZMW-Rand exchange rates?

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What payment methods are available when sending money from Zambia to
South Africa?

  • Sending bank transfers from Zambia to South Africa

    Bank transfers are the most common way of sending ZMW to South Africa as they are secure, reliable, and convenient.

    If you want to send Zambian Kwachas to South Africa via bank transfer, you can use your bank where no provider is available, but it will likely be at a bad exchange rate.

  • Sending money from Zambia to South Africa by credit card

    Credit card payments are quick, convenient, and typically more secure than other methods, thanks to backing by the issuing party. Some users may even be able to rack up reward points when making large transactions.

    If you want to send Zambian Kwachas to South Africa with a credit card.

    Note: Beware of charges

    Credit card payments are often classified as cash advances, which bring their own charges, as well as currency conversion and usage fees. Forgetting to pay your balance can also result in high interest charges, and can even damage your credit score.

  • Sending money from Zambia to South Africa by payment apps

    If you’d like to send money from Zambia to South Africa via payment app, follow these steps:

    1. Download the app and register. Download the app from the App Store or Google Play. You’ll need to register to be able to open an account. Make sure the app services transfers from Zambia to South Africa.

    2. Enter your details. Enter any of the details required. You may need a valid form of ID.

    3. Start your transfer. Enter the details of your recipient. Some apps will require full payment details, while others allow you to pay with just an email address. You may need to state that you’re planning to send money to South Africa in Rand at this stage.

    4. Check the details. It’s vital that you check the details you’ve added to make sure everything is correct. It can be very difficult to reverse a transfer, and most payment apps don’t let you cancel a transfer from Zambia to South Africa after it’s been sent.

    5. Send the money. Your app will probably charge a fee for the transfer. They may also add a markup to the ZMW to ZAR exchange rate. Check the rate they’re offering against the mid-market rate to make sure you’re getting a good deal.

    The current mid-market rate of ZMW to ZAR is 0.7345

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 document.

Money transfer company reviews

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

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 CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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