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Our recommendation: Wise
We tested & reviewed 4 money transfer providers offering money transfers from Nigeria to Zambia, and Wise scored highly.
In total, Wise appeared in 100% of Nigeria to Zambia searches, and was the top rated company supporting transfers between NGN and ZMW.
For a great mix of cost, speed & features, we recommend making your Nigeria to Zambia transfer using Wise.
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.
Summary of recent searches
Understanding Nigeria to Zambia money transfers
Comparing providers when sending money from Nigeria to Zambia is the easiest way to make a transfer at the best price.
We’ve compared 4 providers for sending Naira to Zambia. This ensures you will get the best options for your transfer to Zambia from Nigeria.
We rate Wise as the best overall, but comparing gives you a comprehensive view of all the options for transferring money from Nigeria to Zambia.
Cheapest way to send money from Nigeria to Zambia: Wise
Data collected for transfers between Nigeria and Zambia over the past six months shows that Wise is 0.6% cheaper than the second-best option.
This cost combines an average exchange rate between the Naira and Zambian Kwacha that is 0% different to the mid-market rate and an average fee of 15* NGN.
*The most common fee applied to NGN-ZMW by Wise, based on data from the past six months.
Fastest way to transfer money to Zambia from Nigeria: Wise.
Wise was the quickest way to send Naira to Zambian Kwacha in 100% of searches. For fast transfers between NGN and ZMW, Wise comes highly recommended.
When using Wise to send money from Nigeria to Zambia you can expect an average fee of 6.62 NGN. Although we would recommend comparing the amount you want to send.
When testing the 'fastest' options we compared 4 money transfer providers. To test overall speed of sending money from Nigeria to Zambia we included the timeframe for depositing Naira to a money transfer account and average transfer times to Zambia.
When sending money to Zambia from Nigeria quickly is a priority, Wise is our recommended choice.
Transfer a large amount of money
Wise is the best rated company for sending large amounts of Zambian Kwacha to Zambia out of 4 companies offering the service.
Whether for a property purchase, or for business, sending large amounts of money to Zambia from Nigeria has the potential to be very expensive.
Wise is our choice for big transfers to NGN because of all round price, speed and management when making large transfers.
Understanding the costs involved when transferring money to Zambia from Nigeria
When calculating the cost of sending money from Nigeria to Zambia, a combination of fees and exchange rates ensure the best deal:
The Mid-Market and Exchange Rates: The current NGN-ZMW mid-market rate is 0.0189 ZMW per Naira. Finding a provider as close to this number as possible will ensure more Zambian Kwacha for your money.
As a comparison, the NGN-ZMW mid-market rate for the past three months has averaged 0.0171 ZMW per Naira, hitting a high of 0.019 and a low of 0.0157.
Wise is currently offering the best exchange rate on transfers between Nigeria and Zambia.
Often the NGN-ZMW exchange rate you receive will be the biggest factor impacting the cost of sending Naira to Zambia.
Fees: Transfer fees are charged on top of a transfer. Instarem currently offers lowest fees, at an average of 15 NGN over the last 6 months. Although, we recommend searching for your exact send amount for an exact fee.
Amount Received: The total amount received in Zambian Kwacha is the biggest indicator in the total cost of sending money to Nigeria from Zambia. The higher the total amount received in Zambia, the lower the cost of sending from Nigeria.
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 last six months, here’s what we’ve seen:
The exchange rate from NGN to ZMW averaged 0.0171 ZMW.
The highest value recorded was 0.019 ZMW, while the lowest was 0.0157 ZMW.
There are currently 4 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!
Payment options for transfers from Nigeria to Zambia
Bank transfers
Bank transfers are often the fastest and cheapest way to send money from Nigeria to Zambia.
Using a money transfer company such as Wise for payments from Nigeria to Zambia, means you can send via a bank transfer and benefit from lower fees and more favorable exchange rates than you would get with a traditional bank.
Wise is the best money transfer provider for bank transfers of the 4 we compared when sending NGN to Zambia.With an average fee of 9.03 NGN to transfer money from Nigeria to Zambia, Wise offers a great combination of competitive exchange rates and lower fees.
Prepaid and debit cards
Sending money with a debit card from Nigeria to Zambia is easy with Wise.
Wise is a leader in debit card money transfers from Nigeria to Zambia. They are the best option of the 4 transfer companies compared.
Credit cards
When it comes to credit card transfers from Nigeria to Zambia, is the top choice of the 4 companies offering this service.
Fee alert: using a credit card to transfer money internationally often results in a fee being charged by your card issuer. That's why we recommend bank transfer or debit card instead.
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 document.
Money transfer company reviews
