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Send money to Zambia
"Revolut has 50+ million customers globally. You can hold up to 36 currencies in the app and send money quickly in 70+ currencies to 160+ countries."
"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."
"Xoom, a PayPal service, allows you to send money in more than 160 countries. You can send cash for over-the-counter pickup or home delivery, as well as send by bank transfer or debit card."
"Paysend has transparent fees and rates, with transfer sent within seconds to your recipient's bank. They also have global 24/7 support for any enquiries, and bank-level security."
"Moneygram is a well established service with over 80 years in the sector. They support over 200 countries worldwide and have over 440,000 retail locations."
How to send money to Zambia with the best rate
- Always compare rates
Don't pay more than you have to. Use our live comparison tool to make sure you aren't missing the best rates when sending money to Zambia.
- Choose a provider
Select the provider that offers you the most ZMW and fits your needs.
- Click, sign up & send
Follow the steps & make your transfer. Your funds will soon be on their way to your chosen country & currency.
About money transfers to Zambia
We found Revolut to be the best way to send money to Zambia.
After testing and reviewing 5 money transfer providers servicing Zambia, Revolut came out on top.
Revolut offers quick transfers, adds a 0.2% markup on ZMW transfers, and costs $21 in fees.
This makes it the best option for a mix of cost, speed & features for ZMW transfers.
Revolut is the cheapest way to send money to Zambia
Revolut charges $21 per transfer and adds a 0.2% markup on top of the Zambian Kwacha exchange rate.
bank transfer is the cheapest funding option when sending money to Zambia. Pair it together with Revolut, to get the most out of your ZMW transfer.
Xoom: The fastest way to send money to Zambia
With Xoom, the transfer time to Zambia is minutes - 24 hours.
They charge $0 in fees and apply a 2.3% markup on the ZMW exchange rate, which is 0% better than the second-best option.
For the best combination of cost and speed, we suggest using bank transfer to fund your ZMW transfer.
Easiest way to send money to Zambia: Revolut
We recommend Revolut if you are after convenience. Their app is made for ZMW transfers on the go, their fees are low, and transfer times are fast.
They may not always be the cheapest or the fastest for transfers to Zambia, but the difference would be minimal, especially on smaller ZMW transfers.
By “easiest”, we mean the service that is easy to get started with, is fully transparent, and offers a good balance of cheap and fast transfers.
Consider this before sending money to Zambia
Don't settle for the first option. Always compare ways to send money to Zambia to find out about fees, speed, and reliability.
Our analysis included 5 providers that operate in Zambia.
Through this, you get a comprehensive view of all the options you have when sending money to Zambia.
Need to send over $10,000?
For transfers over $10,000, your best bet is Revolut.
While Revolut may not always be the cheapest or fastest way to send ZMW, but they offer the best exchange rate, years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
Understand the costs of money transfers to Zambia
The total cost of ZMW transfers depends on your location, the amount of ZMW sent, the delivery/deposit methods, transfer fees, and the markup applied to the ZMW exchange rate.
Transfer fee
The money transfer service you use to send Zambian Kwacha can apply a fixed fee, a percentage-based fee, or a combination of both.
For example, a $7,000 transfer to Zambia will cost you $0 in fees with Xoom, based on our July 2025 analysis of 5 services supporting Zambian Kwacha transfers.
ZMW exchange rate markup
An exchange rate markup is the percentage added to the mid-market ZMW rate.
Using the same example, Revolut offers the best ZMW exchange rates, with a 0.2% markup on the USD-ZMW rate. This means for every USD sent, you receive 23.8771 ZMW with 0.2% deducted from it.
Deposit method
How you fund your transfer can significantly impact the overall cost.
Bank transfer is the most common option, costing up to $490 per transfer to Zambia.
Debit card transfers can go as high as $ in fees, while credit cards are usually more expensive and may include additional cash advance fees.
bank transfer is the cheapest payment method for sending ZMW.
Getting the best ZMW rate when sending money to Zambian Kwacha
The exchange rate is the value of the Zambian Kwacha (ZMW) compared to other currencies. Since it consistently moves up and down, sending at the high will give your receiver more ZMW compared to the low.
In the past 7 days, the ZMW exchange rate reached:
An average rate of 23.5966 Zambian Kwacha per US Dollar
A high of 23.8759 ZMW per USD
And a low of 23.2932 ZMW per US Dollar
The ZMW/USD exchange rate has seen some movements. Making a transfer when the rate is close to 23.8759 ZMW/USD will result in more ZMW received.
Revolut is our top recommendation for sending Zambian Kwacha, offering a markup of 0.2% which is 0% better than the next cheapest option.
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Payment methods available for money transfers to Zambia
The way you fund your transfer to Zambia will impact the speed, cost, and amount of ZMW your recipient receives.
Bank transfers
Bank transfer deposits are a common and reliable funding method for sending ZMW, offered by most services covering Zambia.
While bank transfers are typically more affordable, it may take up to 3 business days for the ZMW to arrive in Zambia.
In our testing of 5 providers, Revolut appeared as the cheapest option for bank transfers to Zambia, charging $21 per transfer with a 0.2% markup (1.81% cheaper than the next cheapest money transfer company).
Avoid using wire transfers to Zambia over the SWIFT network, as they are slower and more expensive due to the bank intermediaries on the way to Zambia. Instead, choose ACH or your local network option.
Credit cards
A credit card deposit is another option for ZMW transfers.
Based on our comparison of 5 companies serving Zambia, there are a few available options.
To get the best deal, we recommend running a live comparison as CC transfer fees and rates can vary a lot depending on where you are.
CC deposits are usually more expensive when sending Zambian Kwacha, so if you can, opt for a bank transfer deposit or a debit card deposit.
Money transfer to Zambia is an international transaction.
Your credit card company may apply a cash advance fee and higher interest rates for international payments to Zambia. We recommend avoiding credit cards when sending money to Zambia.
Debit and prepaid cards
Debit cards are typically faster but more expensive than bank deposits, with most ZMW transfers completed within a few hours.
We recommend using for debit or prepaid card deposits.
With , you’ll pay a % markup on the ZMW rate and $ in fees when depositing money via the card. This is % cheaper than using the next cheapest option for transferring money to Zambia.
How we analyze the market
We track the cost, speed, and product offerings of the leading money transfer services available in 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 to Zambia.
We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to find the best service for your needs when sending money to Zambia
For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.
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FAQs
Find answers to the most common questions on our dedicated FAQ page.
