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Send money from Nigeria to Zambia
"Western Union agents help you send money from a wide variety of countries. Find a local branch near you to deposit cash and send your funds abroad."
"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."
"If you and the person you are sending money to both have PayPal apps, you can quickly and easily send money between each other."
The best way to send NGN to Zambia is to use cash transfer via Western Union
We’ve analysed 100s of money transfer companies, and found that the overall coverage of NGN/ZMW transfers is very limited for online transfers.
This is why we suggest sending cash as an alternative, using Western Union.
The transfer fees depend on which branch you use and how much you send, but overall you can expect to pay around 3 NGN for a 360,000 NGN transfer.
Depending on where you are, we suggest checking Western Union to see what deposit methods you have available.
In many cases you can deposit NGN online and the recipient in Zambia will need to visit a branch to pick up ZMW.
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
Comparing providers when sending money from Nigeria to Zambia is the easiest way to make a transfer at the best price.
We’ve compared 3 providers for sending Naira to Zambia. This ensures you will get the best options for your transfer to Zambia from Nigeria.
We rate Western Union Agent as the best overall, but comparing gives you a comprehensive view of all the options for transferring money from Nigeria to Zambia.
Get ahead of the Naira-Zambian Kwacha exchange rate
Choosing the right payment method
Financial regulators in Nigeria and Zambia
Consider transfer limits
Receiving money in Zambia
Have your ID ready
Tax declarations
The cheapest way to send money from Nigeria to Zambia is a cash transfer via MoneyGram.
The cheapest way to send money to Zambia from Nigeria is via a cash transfer through a MoneyGram Agent.
While cash transfers are usually more expensive than online options, our analysis of hundreds of money transfer companies shows that very few services currently support NGN/ZMW transfers online.
The total cost of your transfer includes both the transfer fee (around 3 NGN per 360,000 NGN) and an exchange rate markup.
Ultimately, the exact price will depend on your location, payment method, and transfer amount.
The cheapest way to to send money to Zambia from Nigeria is via PayPal P2P Transfer
The coverage of NGN/ZMW transfer options is very limited, therefore, PayPal’s P2P transfer service is one of the cheaper options you have, along with cash transfer via Western Union and MoneyGram.
With PayPals P2P transfer, the main cost is the conversion between currencies, which can go as high as % on top of the mid market rate, as well as a NGN transfer fee.
You can also opt to use a cash transfer via MoneyGram or Western Union, which are cheaper in some cases (depending on the amount, deposit method, and your branch).
Transfer a large amount of money
Western Union Agent is the best rated company for sending large amounts of Zambian Kwacha to Zambia out of 3 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.
Western Union Agent 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 0.0156 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 week has averaged 0.0158 ZMW per Naira, hitting a high of 0.0159 and a low of 0.0157.
Western Union Agent 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. Western Union Agent currently offers lowest fees of 3 NGN. 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 past 7 days, here’s what we’ve seen:
The exchange rate from NGN to ZMW averaged 0.0158 ZMW.
The highest value recorded was 0.0159 ZMW, while the lowest was 0.0157 ZMW.
There are currently 3 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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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 Western Union Agent 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.
Western Union Agent is the best money transfer provider for bank transfers of the 3 we compared when sending NGN to Zambia.With a fee of 3 NGN to transfer money from Nigeria to Zambia, Western Union Agent 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 Western Union Agent.
Western Union Agent is a leader in debit card money transfers from Nigeria to Zambia. They are the best option of the 3 transfer companies compared.
Credit cards
Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.
We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.
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 and review methodology.
Money transfer company reviews
