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How to send money from Nigeria to Zambia
Sending money from Nigeria to Zambia doesn’t have a huge amount of options. Because of this, we suggest sending money via:
An agent like Western Union, MoneyGram, or Ria Money Transfer
Send cash to Zambia from Nigeria
Agents are physical stores where you hand in NGN as cash and the receiver picks it up from the store in Zambia.
Western Union Agent
We suggest using Western Union agent as it's reputable, fast, and is partnered with multiple banks in Nigeria.
The fees and rates will vary from day to day and based on your transfer amount, but it's still much cheaper than using your bank directly.
To get started, find the closest WU agent using the store locator, fill in the forms at the counter, pay for your transfer and let the recipient know.
Most transfers will be available for collection the same day, but sometimes can take up to a few days.
Getting the best deal on your Nigeria to Zambia transfer
Always compare rates
Don't pay more than you have to. Our live comparison tool will give you the best rates for sending money from Nigeria to Zambia.
Choose a provider
Select the provider that offers you the best value & service for transfers between Nigeria and Zambia.
Click, sign up & send
Follow the steps & make your transfer. Your funds will soon be on their way to Zambia.
Sending money from Nigeria to Zambia: key insights and tips
Compare all the options
Don't settle for the first option. Always compare ways to send money from Nigeria to Zambia to find out about fees, speed, and reliability.
Your analysis should include all the providers that operate between Nigeria and Zambia. Through this, you get a comprehensive view of all the options you have in Nigeria when you need to send money to Zambia.
Think about the Naira-Zambian Kwacha exchange rate
Keep your money safe
Consider transfer limits
How to receive money in Zambia
Have your ID ready
Don't forget about taxes
Cheapest way to send money from Nigeria to Zambia
Without any money transfer providers serving the Nigeria to Zambia route, the cheapest money transfer options are limited.
We would recommend using:
Understanding the costs involved when moving money from Nigeria to Zambia
When calculating the costs of money transfers between Nigeria and Zambia, here's what really matters:
The Mid-Market Rate: Today, the NGN-ZMW mid-market rate equals to 0.0159. Keep in mind that this rate fluctuates all the time.
The NGN-ZMW average exchange rate of the past week has been 0.0159, with a highest of 0.016 and a lowest of 0.0158.
Fees and Markups: When you pick a service with competitive exchange rates and low fees, you get to make the most out of your NGN to ZMW transfers. This strategy keeps your costs down, offering a smart way to handle your international transactions.
Finding the best exchange rate for Naira to Zambian Kwacha
Timing is essential for sending money between NGN and ZMW. The exchange rate you secure impacts how much ZMW you get for your NGN.
Over the past 7 days, here’s what we’ve seen:
The exchange rate from NGN to ZMW averaged 0.0159 ZMW.
The highest value recorded was 0.016 ZMW, while the lowest was 0.0158 ZMW.
There are currently 2 providers offering transfers between Nigeria and Zambia close to this rate
Want to secure the best NGN-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 Nigeria to Zambia!
What payment methods are available when sending money from Nigeria to Zambia?
Sending bank transfers from Nigeria to Zambia
Bank transfers are the most common way of sending NGN to Zambia as they are secure, reliable, and convenient.
If you want to send Nairas to Zambia 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 Nigeria to Zambia 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 Nairas to Zambia with a credit card.
Note: Beware of chargesCredit 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 Nigeria to Zambia by payment apps
If you’d like to send money from Nigeria to Zambia via payment app, follow these steps:
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 Nigeria to Zambia.
Enter your details. Enter any of the details required. You may need a valid form of ID.
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 Zambia in Zambian Kwacha at this stage.
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 Nigeria to Zambia after it’s been sent.
Send the money. Your app will probably charge a fee for the transfer. They may also add a markup to the NGN to ZMW 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 NGN to ZMW is 0.0159
How we analyze the market
We track the cost, speed, and product offerings of the leading money transfer services available between Zambia and Nigeria.
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 Nigeria to Zambia.
We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send NGN to ZMW.
For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy and review methodology.
Money transfer company reviews
