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How to send money to Zambia from India with the best INR-ZMW rate

Compare the best deals on sending money from India to Zambia. Get insights on the cheapest, fastest, and most reliable providers with the best INR to ZMW exchange rates.

Read on for the insights, analysis, and all you need to know about money transfers to Zambia from India.

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September 21st, 2025

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INR
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ZMW
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Best money transfer companies

Send money from India to Zambia

Last updated: Today
Mid-market rate as of 09/21/2025: 1 INR = 0.268723 ZMW
Results below are based on a 600000 INR search
0 of 1 providers
Promoted
Wise
Recipient gets (ZMW)
ZK 158,947.17
Full transfer details
Visit Wise
ZK 2,550 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Live Rates
Sort by:
1
Wise
Recipient gets (ZMW)
ZK 158,947.17
Full transfer details
Visit Wise
ZK 2,550 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Mid-market rate updates every 60 minutes

Best way to send: Wise

Wise is our top pick for sending INR to ZMW.

We tested & reviewed 1 money transfer companies offering services between India and Zambia, and Wise scored highly.

Sending 600,000 INR to Zambian Kwacha will cost you ₹10772.11 in fees, and you will receive 158,947.17 ZMW. The delivery time is within a week.

So for a great mix of cost, speed & features, make your India to Zambia transfer using Wise.

Wise is the top rated company for sending money from India (INR) to Zambia (ZMW) - Wise Screenshot

Getting the best deal on your India to Zambia transfer

Summary of recent searches

Top rated for transfers from India to Zambia
Wise
Total number of IN - ZM providers
1
Average cheapest fees & rate
Wise
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Wise

What to consider ahead of money transfers from India to Zambia

1

Compare providers

Comparing based on your specific needs is the best way to send money from India to Zambia with confidence.

Our analysis, and search results, include 1 providers that operate between India and Zambia. These are ranked by speed, overall cost and ease of use.

Through this, you get a comprehensive view of all the options you have in India when you need to send money to Zambia.

2

Understand the Indian Rupee-Zambian Kwacha exchange rate

3

Choose the right payment method

4

Use providers regulated in India and Zambia

5

Consider transfer limits

6

Receiving money in Zambia

7

Have your ID ready

8

Don't forget about taxes

Cheapest way to send money from India to Zambia: Wise

Wise offers the lowest cost transfers of the 1 compared.

Data collected for transfers between India and Zambia over the past week shows that Wise is 0% cheaper than the second-best option.

This cost combines an exchange rate between the Indian Rupee and Zambian Kwacha that is -0.4% different to the mid-market rate and a fee of 10772.11 INR.

Wise is the cheapest way to send money from India (INR) to Zambia (ZMW) - Wise Screenshot

Fastest way to transfer money to Zambia from India: Wise.

We tested 1 companies offering transfers from India to Zambia and Wise offered the quickest option.

For example, if you send 600,000 INR with Wise to Zambia, the transfer time is within a week

When using Wise to send money from India to Zambia you can expect to pay 10772.11 INR in fees. Although we would recommend comparing the amount you want to send.

When testing the 'fastest' options we compared 1 money transfer providers. To test overall speed of sending money from India to Zambia we included the timeframe for depositing Indian Rupee to a money transfer account and average transfer times to Zambia.

When sending money to Zambia from India quickly is a priority, Wise is our recommended choice.

Wise is the fastest way to send money from India (INR) to Zambia (ZMW) - Wise Screenshot

Transfer a large amount of money

For transferring bigger sums of money to Zambia from India, opt for a provider with a competitive exchange rate and strong account management.

Wise is the best rated company for sending large amounts of Zambian Kwacha to Zambia out of
1 companies offering the service.

Whether for a property purchase, or for business, sending large amounts of money to Zambia from India has the potential to be very expensive.

Wise is our choice for big transfers to INR because of all round price, speed and management when making large transfers.

Understanding the cost of transferring money to Zambia from India

Fees and exchange rates make up the total cost of sending money from Zambia to Zambia. Finding a company that can offer both ensures a good deal on your transfer.

The Mid-Market and Exchange Rates: The current INR-ZMW mid-market rate is 0.2687 ZMW per Indian Rupee. You will get more Zambian Kwacha for your Indian Rupees if you find a provider close to this number.

  • For context, over the last 7 days the INR-ZMW mid-market rate has had a high of 0.2689, a low of 0.2653 and averaged 0.2675 ZMW per Indian Rupee.

  • Across the 1 companies compared, the best exchange rate is with Wise.

  • Unless fees are unusually high, the exchange rate you receive on converting INR to ZMW will be the biggest determining factor when working out the cost of transferring Indian Rupees to Zambia.

Fees: Transfer fees are charged as part of the transfer. Wise charges the lowest fee of 10772.11 INR at the moment. We’d always recommend comparing providers for your exact send amount as fees may change.

Amount Received: Money transfer companies will show you the amount of Zambian Kwacha eventually received in Zambia. You can assume that a lower cost of sending from India will result in more money received in Zambia.

Finding the best exchange rate for Indian Rupee to Zambian Kwacha

Timing is essential for sending money between INR and ZMW. The exchange rate you secure impacts how much ZMW you get for your INR.

Mid-market Rate
1 
INR
=
0.268723 
ZMW

Over the past 7 days, here’s what we’ve seen:

  • The exchange rate from INR to ZMW averaged 0.2675 ZMW.

  • The highest value recorded was 0.2689 ZMW, while the lowest was 0.2653 ZMW.

  • There are currently 1 providers offering transfers between India and Zambia close to this rate

Want to secure the best INR-Zambian Kwacha exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from India to Zambia!

Payment methods available to fund your India to
Zambia transfer

  • Bank transfers

    Bank transfers are often the better option for money transfers from India to Zambia.

    Sending money via a bank transfer with a company such as Wise for transfers from India to Zambia allows you to benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    On average, Wise is the best provider for bank transfers of the 1 we tested when sending INR to Zambia.

    With a fee of INR10772.11 to send money from India to Zambia, Wise offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from India to Zambia with a prepaid or a debit card is very simple with .


    is a leader in card payments for transfers from India to Zambia, competing among a total of 1 active money transfer companies on this route.

  • Credit cards

    When it comes to international credit card transfers from India to Zambia, we recommend comparing your options to get the best deal.

    Beware of fees: using a credit card to transfer money often results in a fee being charged by your card issuer. Where possible, we recommend a bank transfer or debit card payment instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Zambia and India.


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 India to Zambia.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send INR to ZMW.


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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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 the founder and CEO of MoneyTransfers.com, with over 10 years’ experience building consumer products across finance, insurance, and travel. A frequent traveler himself, Luke has hands-on experience testing payment and transfer services globally, giving him a unique perspective on the real-world challenges users face. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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