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
Sending money from Nigeria to Zambia: key insights and tips
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.
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 0.0156. Keep in mind that this rate fluctuates all the time.
The NGN-ZMW average exchange rate of the past week has been 0.0155, with a highest of 0.0156 and a lowest of 0.0153.
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 0.0155 ZMW.
The highest value recorded was 0.0156 ZMW, while the lowest was 0.0153 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?
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What payment methods are available when sending money from Nigeria to Zambia?
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.
