Best companies for USD/ZMW transfers
6 of 6 providers Last updated on 28 October 2026
Based on 7,000 USD transfer Best companies for USD/ZMW transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee $69.56 1 USD = 20.1901 ZMW +0.07% vs mid-market	Recipient gets ZK 139,926.28 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Zambia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $69.561 USD = 20.1901 ZMW ZK 139,926.28You pay$7,000.00
Promoted Xe Pay via Bank transfer	Fee $0.00 1 USD = 19.3128 ZMW +4.51% vs mid-market	Recipient gets ZK 135,189.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Zambia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 19.3128 ZMW ZK 135,189.60You pay$7,000.00
Run a live search Showing top United States to Zambia deals for 7,000 USD. 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 USD 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 USD you're planning to spend in Zambia.
Run a live search These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 20.1496 ZMW +0.27% vs mid-market	Recipient gets ZK 141,047.22 Minutes - 24 hours
9 reviews Cheapest 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 USD = 20.1496 ZMW ZK 141,047.22You pay$7,000.00
Wise Pay via Bank transfer	Fee $69.56 1 USD = 20.1901 ZMW +0.07% vs mid-market	Recipient gets ZK 139,926.28 Within a week
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Zambia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $69.561 USD = 20.1901 ZMW ZK 139,926.28You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fee $60.79 1 USD = 19.9646 ZMW +1.19% vs mid-market	Recipient gets ZK 139,752.20 Minutes - 24 hours
2 reviews
Ways to receive money in Zambia with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 19.9646 ZMW ZK 139,752.20You pay$7,060.79
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee $5.99 1 USD = 19.9485 ZMW +1.27% vs mid-market	Recipient gets ZK 139,639.50 Minutes - 24 hours
2 reviews
Ways to receive money in Zambia with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $5.991 USD = 19.9485 ZMW ZK 139,639.50You pay$7,005.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $105.001 USD = 19.9288 ZMW ZK 139,501.60You pay$7,105.00 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $74.991 USD = 19.6100 ZMW ZK 137,270.00You pay$7,074.99

$0 fee on first online transfers MoneyGram Pay via Debit card	Fee $75.99 1 USD = 19.9485 ZMW +1.27% vs mid-market	Recipient gets ZK 139,639.50 Minutes - 24 hours
2 reviews
Ways to receive money in Zambia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $75.991 USD = 19.9485 ZMW ZK 139,639.50You pay$7,075.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $1.491 USD = 19.9288 ZMW ZK 139,501.60You pay$7,001.49 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $2.491 USD = 19.6099 ZMW ZK 137,269.30You pay$7,002.49
$0 fee on first online transfers MoneyGram Pay via Credit card	Fee $179.99 1 USD = 19.9485 ZMW +1.27% vs mid-market	Recipient gets ZK 139,639.50 Minutes - 24 hours
2 reviews
Ways to receive money in Zambia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $179.991 USD = 19.9485 ZMW ZK 139,639.50You pay$7,179.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $210.001 USD = 19.9288 ZMW ZK 139,501.60You pay$7,210.00
TapTap Send Pay via Debit card	Fee $0.00 1 USD = 19.8600 ZMW +1.72% vs mid-market	Recipient gets ZK 139,020.00 Minutes
0 reviews Fastest Receive to bank account
Ways to receive money in Zambia with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutesAvailable via:Airtel, MTN Free1 USD = 19.8600 ZMW ZK 139,020.00You pay$7,000.00
Only available via Mobile App WorldRemit Pay via Debit card	Fee $0.00 1 USD = 19.5511 ZMW +3.29% vs mid-market	Recipient gets ZK 136,857.63 Minutes - 2 days
13 reviews Receive to bank account or cash pickup
Ways to receive money in Zambia with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days Free1 USD = 19.5511 ZMW ZK 136,857.63You pay$7,000.00 Card depositMinutes - 2 days Free1 USD = 19.4970 ZMW ZK 136,479.14You pay$7,000.00 Cash pickupMinutes - 2 days $3.991 USD = 19.4907 ZMW ZK 136,356.99You pay$7,000.00
Xe Pay via Bank transfer	Fee $0.00 1 USD = 19.3128 ZMW +4.51% vs mid-market	Recipient gets ZK 135,189.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Zambia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 19.3128 ZMW ZK 135,189.60You pay$7,000.00
Xe Pay via Debit card	Fee $35.00 1 USD = 19.3128 ZMW +4.51% vs mid-market	Recipient gets ZK 134,513.65 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Zambia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 19.3128 ZMW ZK 134,513.65You pay$7,000.00
Xe Pay via Credit card	Fee $210.00 1 USD = 19.3128 ZMW +4.51% vs mid-market	Recipient gets ZK 131,133.91 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Zambia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 19.3128 ZMW ZK 131,133.91You pay$7,000.00
How Our Results Work Mid-market rate: 1 USD = 20.2042 ZMW Updates every 60 minutes.

Why compare

USD/ZMW exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to Zambia

Pick a company

If you're sending a one-off transfer, then Regency FX is the best option.

Regency FX was the cheapest on 13 of the 30 days it quoted $7,000 transfers to Zambia.

For recurring transfers, I'd suggest using an app or a multi-currency account with Wise.

For large transfers, a broker like Regency FX is the best option.

If your recipient needs cash, MoneyGram is the cheapest.

How much you send will affect the best option for you right now.

Pay for it

You have 4 ways to pay for your transfer to Zambia, including bank transfer, debit card, credit card, and cash deposit.

Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a day or two).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but its a bit more expensive.

I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).

Check and send

First time round you'll need to confirm who you are.

An SSN isn't required, an ITIN or a foreign passport works with most companies here.

Compare amounts

How much USD are you sending to Zambia?

How much USD 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 27% of the transfers from $5,000 it quoted, and in 27% of all the transfers it quoted.


$500	-2.38%	$0.00	ZK 10,345.00with debit card to bank deposit	+ZK 537.09
$2,000	0.12%	$0.00	ZK 40,360.00with debit card to bank deposit	+ZK 1,093.34
$5,000	0.07%	$53.49	ZK 99,874.49with bank transfer to bank deposit	+ZK 1,339.30
$7,000This page	0.27%	$0.00	ZK 141,047.22with bank transfer to bank deposit	+ZK 3,196.40
$10,000	0.27%	$0.00	ZK 201,496.03with bank transfer to bank deposit	+ZK 4,550.94
$50,000	0.25%	$0.00	ZK 1,007,682.18with bank transfer to bank deposit	+ZK 22,130.78
$100,000	0.20%	$0.00	ZK 2,016,374.57with bank transfer to bank deposit	+ZK 45,143.85
$250,000	0.20%	$0.00	ZK 5,040,936.42with bank transfer to bank deposit	+ZK 112,839.16

Mid-market rate: 1 USD = 20.2042 ZMW

USD/ZMW Exchange Rate History

Is today a good time to send money from US to Zambia?

The cheapest way to send USD 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 7,000 USD transfers to Zambia.

Each line shows what the recipient gets when you send $7,000, after fees, as quoted by each company. The mid-market line shows what $7,000 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.

Understanding USD/ZMW exchange rate

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 USD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 8 of the last 30 days.

Right now, Regency FX pays 141,047.22 ZMW on 7,000 USD, which is 381.86 ZMW less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 141,630.47 ZMW.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

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 207 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

Regency FXAppeared in 117 comparisons
Cheapest in 27% of them
WiseAppeared in 207 comparisons
Cheapest in 63% of them
MoneyGramAppeared in 207 comparisons
Cheapest in 8% of them

Based on 207 comparisons across 8 amounts over the last 30 days.

Is the cheapest money transfer company always the best?

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 analyze 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, but it was the cheapest in only 27% of the 117 comparisons it appeared in over the past month.

Wise (today's second cheapest) was the cheapest in 63% of its comparisons, so if you send money to Zambia regularly, it's worth comparing it with Regency FX before each transfer.

If it's a one-off transfer, go with Regency FX, since it's the cheapest right now.

Ways to send money from the US to Zambia

There are 6 companies available for sending money from the US to Zambia, across app, online, broker, multi-currency account, global account, and in person, and more.

For regular transfers home

Money transfer apps

If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.

Wise charges $69.56 on a $7,000 transfer with 0.07% markup, saves your recipient's details for next time, and ZMW arrives in within a week.

Over the past month, Wise was the cheapest app on 97% of the days it appeared for $7,000 transfers.

Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.

Sending without a US bank account

Cash & in-person transfers

Paying in cash at an agent can work without a US bank account.

The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.

Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 139,752.2 ZMW in minutes - 24 hours.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).

For one-off transfers

Online transfers

For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Zambia.

Of all online companies listed here, Wise gets you the most ZMW per USD.

On a $7,000 transfer, you will get 139,926.28 ZMW after a $69.56 fee and 0.07% markup.

In our comparisons over the past month, it was the cheapest online service on 29 of the 30 days it quoted.

But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.

For transfers over $10,000

Currency brokers

For large transfers to Zambia (e.g. a property purchase, tuition, or moving to Zambia), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/ZMW that gets lower the more you send.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from $5,000 it quoted.

It's also good to check Wise since you get a bulk discount on transfers over $25,000.

Business payments from the US

Global accounts

Global accounts are for US businesses paying people abroad.

Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.

Holding & spending currencies

Multi-currency accounts

A multi-currency account like Wise is the best for holding and receiving ZMW.

This is useful for traveling to Zambia, building up ZMW balance, or receiving payments in ZMW.

Wise converts $7,000 at 0.07% markup plus small fee and holds the ZMW until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund USD and receive ZMW in Zambia

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 141,047.22 ZMW.

Deposit USD by bank transfer, debit card, credit card, and cash deposit.

The simplest way is to pay from your US checking account

Pay by bank transfer using your routing and account numbers.

An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Zambia.

You can deposit cash

You'll need to visit the nearest MoneyGram branch and hand over $7,000.

MoneyGram is the cheapest option and will get you 139,752.2 ZMW on a $7,000 transfer after fees.

Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.

Zelle, Venmo and Cash App only support domestic transfers, so they cannot send money to Zambia.

Your recipient in Zambia can collect ZMW through bank deposit, cash pickup, mobile money, card deposit, and mobile wallet.

They can collect cash in Zambia

Your recipient can collect ZMW from a participating MoneyGram location in Zambia.

They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.

1

Bank transfer Bank deposit

You pay $7,000.00

ZK141,047

Cheapest
2

Cash deposit Cash pickup

You pay $7,060.79

ZK139,752

-ZK1,295
3

Bank transfer Cash pickup

You pay $7,005.99

ZK139,640

-ZK1,408
4

Debit card Cash pickup

You pay $7,075.99

ZK139,640

-ZK1,408
5

Credit card Cash pickup

You pay $7,179.99

ZK139,640

-ZK1,408

Show moreShow less

6

Bank transfer Mobile wallet

You pay $7,105.00

ZK139,502

-ZK1,546
7

Debit card Mobile wallet

You pay $7,001.49

ZK139,502

-ZK1,546
8

Credit card Mobile wallet

You pay $7,210.00

ZK139,502

-ZK1,546
9

Debit card Mobile money

You pay $7,000.00

ZK139,020

-ZK2,027
10

Bank transfer Card deposit

You pay $7,074.99

ZK137,270

-ZK3,777
11

Debit card Card deposit

You pay $7,002.49

ZK137,269

-ZK3,778
12

Debit card Bank deposit

You pay $7,000.00

ZK134,514

-ZK6,534
13

Credit card Bank deposit

You pay $7,000.00

ZK131,134

-ZK9,913

Things to consider before sending USD to Zambia

The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.

Find the right USD/ZMW company

Cheapest way to send money to Zambia

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 141,047.22 ZMW, which is 0.79% more than the next best option.

Fastest way to send money to Zambia

The fastest option is TapTap Send. Pay by debit card and choose mobile money for the payout. Your recipient gets 139,020 ZMW, with the money arriving in minutes.

Cash-funded transfers now carry a 1% tax

Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.

Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.

The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.

The $10,000 rule is not a transfer limit

There is no federal cap on how much of your own money you can send electronically abroad.

Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.

Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.

Do not split cash transactions to avoid a report.

You normally have 30 minutes to cancel

The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.

You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.

You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.

Contact the company first and keep the receipt.

The CFPB explains the cancellation and error process.

Need to send a large amount of USD to Zambia?

For transfers over $10,000, Wise is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to Zambia.

While Wise may not always be the cheapest or fastest way to send ZMW, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.

Read Review

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Zambia and United States. 

We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 207 comparisons across 8 amounts.

This page covers the cheapest and fastest options for USD/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.

For a deeper understanding of our commitment to integrity and transparency, check out these articles:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Related transfer routes

Send money to Zambia

Send money from Nigeria to Zambia Send money from India to Zambia Send money from South Africa to Zambia Send money from United Kingdom to Zambia Send money from Kenya to Zambia Send money from Spain to Zambia

Recommendations

Fastest way to send money

Cheapest way to send money

Money transfer companies

Multi-currency accounts

Global business payments

Tools & resources

SWIFT code calculator

Tue, Sep 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.4874	–	ZK 136,411.87
Wise Cheapest	19.6853	$69.56	ZK 136,427.79	+ZK 15.92
Regency FX	19.4348	$0.00	ZK 136,043.56	−ZK 368.31
MoneyGram	19.3701	$60.79	ZK 135,590.70	−ZK 821.17

Wed, Sep 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.5924	–	ZK 137,146.69
Regency FX Cheapest	19.5395	$0.00	ZK 136,776.39	−ZK 370.30
Wise	19.8106	$147.05	ZK 135,761.05	−ZK 1,385.64
MoneyGram	19.2909	$60.79	ZK 135,036.30	−ZK 2,110.39

Thu, Oct 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.5968	–	ZK 137,177.40
Regency FX Cheapest	19.5439	$0.00	ZK 136,807.02	−ZK 370.38
Wise	19.6315	$69.56	ZK 136,054.93	−ZK 1,122.47
MoneyGram	19.3454	$60.79	ZK 135,417.80	−ZK 1,759.60

Fri, Oct 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.7683	–	ZK 138,378.14
Wise Cheapest	20.1835	$69.56	ZK 139,880.54	+ZK 1,502.40
Regency FX	19.7149	$0.00	ZK 138,004.52	−ZK 373.62
MoneyGram	19.4593	$60.79	ZK 136,215.10	−ZK 2,163.04

Sat, Oct 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.6460	–	ZK 137,521.92
Wise Cheapest	19.7975	$69.56	ZK 137,205.39	−ZK 316.53
Regency FX	19.5929	$0.00	ZK 137,150.61	−ZK 371.31
MoneyGram	19.4494	$1.99	ZK 136,145.80	−ZK 1,376.12

Sun, Oct 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.6066	–	ZK 137,245.88
Wise Cheapest	19.7975	$69.56	ZK 137,205.39	−ZK 40.49
Regency FX	19.5536	$0.00	ZK 136,875.31	−ZK 370.57
MoneyGram	19.4494	$1.99	ZK 136,145.80	−ZK 1,100.08

Mon, Oct 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.6352	–	ZK 137,446.08
Regency FX Cheapest	19.5821	$0.00	ZK 137,074.97	−ZK 371.11
Wise	19.7250	$69.56	ZK 136,702.93	−ZK 743.15
MoneyGram	19.4494	$1.99	ZK 136,145.80	−ZK 1,300.28

Tue, Oct 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.6847	–	ZK 137,792.65
Wise Cheapest	20.4208	$69.56	ZK 141,525.13	+ZK 3,732.48
Regency FX	19.6315	$0.00	ZK 137,420.61	−ZK 372.04
MoneyGram	19.5188	$60.79	ZK 136,631.60	−ZK 1,161.05

Wed, Oct 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.7652	–	ZK 138,356.50
Regency FX Cheapest	19.7118	$0.00	ZK 137,982.94	−ZK 373.56
Wise	19.8405	$69.56	ZK 137,503.39	−ZK 853.11
MoneyGram	19.5683	$60.79	ZK 136,978.10	−ZK 1,378.40

Thu, Oct 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.8761	–	ZK 139,132.99
Regency FX Cheapest	19.8225	$0.00	ZK 138,757.33	−ZK 375.66
Wise	19.9625	$69.56	ZK 138,348.91	−ZK 784.08
MoneyGram	19.6674	$60.79	ZK 137,671.80	−ZK 1,461.19

Fri, Oct 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.8489	–	ZK 138,942.40
Wise Cheapest	20.2687	$69.56	ZK 140,471.01	+ZK 1,528.61
Regency FX	19.7953	$0.00	ZK 138,567.25	−ZK 375.15
MoneyGram	19.7169	$60.79	ZK 138,018.30	−ZK 924.10

Sat, Oct 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.8760	–	ZK 139,131.83
Regency FX Cheapest	19.8223	$0.00	ZK 138,756.18	−ZK 375.65
Wise	20.0050	$69.56	ZK 138,643.45	−ZK 488.38
MoneyGram	19.6674	$60.79	ZK 137,671.80	−ZK 1,460.03

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.8625	–	ZK 139,037.55
Wise Cheapest	20.1581	$69.56	ZK 139,704.50	+ZK 666.95
Regency FX	19.8089	$0.00	ZK 138,662.15	−ZK 375.40
MoneyGram	19.6674	$60.79	ZK 137,671.80	−ZK 1,365.75

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.8870	–	ZK 139,209.02
Regency FX Cheapest	19.8333	$0.00	ZK 138,833.16	−ZK 375.86
MoneyGram	19.7169	$60.79	ZK 138,018.30	−ZK 1,190.72
Wise	20.0209	$118.71	ZK 137,769.62	−ZK 1,439.40

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.8716	–	ZK 139,101.10
Wise Cheapest	20.0500	$69.56	ZK 138,955.32	−ZK 145.78
Regency FX	19.8179	$0.00	ZK 138,725.53	−ZK 375.57
MoneyGram	19.6985	$60.79	ZK 137,889.50	−ZK 1,211.60

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.8631	–	ZK 139,041.55
Wise Cheapest	20.0785	$69.56	ZK 139,152.84	+ZK 111.29
Regency FX	19.8094	$0.00	ZK 138,666.13	−ZK 375.42
MoneyGram	19.6674	$60.79	ZK 137,671.80	−ZK 1,369.75

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.9269	–	ZK 139,488.07
Wise Cheapest	20.1045	$69.56	ZK 139,333.03	−ZK 155.04
Regency FX	19.8731	$0.00	ZK 139,111.45	−ZK 376.62
MoneyGram	19.7367	$60.79	ZK 138,156.90	−ZK 1,331.17

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20.0498	–	ZK 140,348.71
Wise Cheapest	20.4360	$69.56	ZK 141,630.47	+ZK 1,281.77
Regency FX	19.9957	$0.00	ZK 139,969.76	−ZK 378.94
MoneyGram	19.8309	$60.79	ZK 138,816.30	−ZK 1,532.40

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20.0820	–	ZK 140,573.80
Regency FX Cheapest	20.0277	$0.00	ZK 140,194.25	−ZK 379.55
Wise	20.1125	$69.56	ZK 139,388.47	−ZK 1,185.33
MoneyGram	19.8309	$60.79	ZK 138,816.30	−ZK 1,757.50

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.9783	–	ZK 139,848.34
Wise Cheapest	20.1400	$69.56	ZK 139,579.06	−ZK 269.28
Regency FX	19.9244	$0.00	ZK 139,470.75	−ZK 377.59
MoneyGram	19.7665	$60.79	ZK 138,365.50	−ZK 1,482.84

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.9874	–	ZK 139,912.10
Wise Cheapest	20.1788	$69.56	ZK 139,847.96	−ZK 64.14
Regency FX	19.9335	$0.00	ZK 139,534.34	−ZK 377.76
MoneyGram	19.8160	$60.79	ZK 138,712.00	−ZK 1,200.10

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20.0615	–	ZK 140,430.61
Regency FX Cheapest	20.0073	$0.00	ZK 140,051.44	−ZK 379.17
Wise	20.1978	$69.56	ZK 139,979.64	−ZK 450.96
MoneyGram	19.8507	$60.79	ZK 138,954.90	−ZK 1,475.71

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20.0652	–	ZK 140,456.71
Wise Cheapest	20.2246	$69.56	ZK 140,165.38	−ZK 291.33
Regency FX	20.0111	$0.00	ZK 140,077.47	−ZK 379.24
MoneyGram	19.8655	$60.79	ZK 139,058.50	−ZK 1,398.21

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20.0910	–	ZK 140,637.30
Wise Cheapest	20.2594	$69.56	ZK 140,406.56	−ZK 230.74
Regency FX	20.0368	$0.00	ZK 140,257.58	−ZK 379.72
MoneyGram	19.9248	$1.49	ZK 139,473.60	−ZK 1,163.70

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20.0617	–	ZK 140,431.73
Regency FX Cheapest	20.0075	$0.00	ZK 140,052.57	−ZK 379.16
Wise	20.1544	$69.56	ZK 139,678.86	−ZK 752.87
MoneyGram	19.9248	$1.49	ZK 139,473.60	−ZK 958.13

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Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20.1786	–	ZK 141,250.25
Regency FX Cheapest	20.1241	$0.00	ZK 140,868.87	−ZK 381.38
Wise	20.2675	$69.56	ZK 140,462.69	−ZK 787.56
MoneyGram	19.9250	$60.79	ZK 139,475.00	−ZK 1,775.25

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20.2042	–	ZK 141,429.08
Regency FX Cheapest	20.1496	$0.00	ZK 141,047.22	−ZK 381.86
Wise	20.1901	$69.56	ZK 139,926.28	−ZK 1,502.80
MoneyGram	19.9646	$60.79	ZK 139,752.20	−ZK 1,676.88