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How to send money to Zambia from South Africa with the best ZAR-ZMW rate

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

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

Transferring the other way? Send ZMW from Zambia to South Africa instead.
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July 8th, 2025
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Send money from South Africa to Zambia

While you can’t send ZAR to ZMW with Wise, you can transfer USD to USD.

"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."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%

How to send money from South Africa to Zambia

Sending money from South Africa to Zambia doesn’t have a huge amount of options. Because of this, we would recommend sending money via:

Getting the best deal on your South Africa to Zambia transfer

Sending money from South Africa to Zambia: key insights and tips

1
Compare all the options

Don't settle for the first option. Always compare ways to send money from South Africa to Zambia to find out about fees, speed, and reliability.

Your analysis should include all the providers that operate between South Africa and Zambia. Through this, you get a comprehensive view of all the options you have in South Africa when you need to send money to Zambia.

2
Think about the Rand-Zambian Kwacha exchange rate
3
Keep your money safe
4
Consider transfer limits
5
How to receive money in Zambia
6
Have your ID ready
7
Don't forget about taxes

Cheapest way to send money from South Africa to Zambia

Without any money transfer providers serving the South Africa to Zambia route, the cheapest money transfer options are limited.

We would recommend using:

Understanding the costs involved when moving money from South Africa to Zambia

When calculating the costs of money transfers between South Africa and Zambia, here's what really matters:

The Mid-Market Rate: Today, the ZAR-ZMW mid-market rate equals to 1.3593. Keep in mind that this rate fluctuates all the time.

The ZAR-ZMW average exchange rate of the past week has been 1.3712, with a highest of 1.3779 and a lowest of 1.3593.

Fees and Markups: When you pick a service with competitive exchange rates and low fees, you get to make the most out of your ZAR to ZMW transfers. This strategy keeps your costs down, offering a smart way to handle your international transactions.

Finding the best exchange rate for Rand to Zambian Kwacha

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

Mid-market Rate
1 
ZAR
=
1.359283 
ZMW

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

  • The exchange rate from ZAR to ZMW averaged 1.3712 ZMW.

  • The highest value recorded was 1.3779 ZMW, while the lowest was 1.3593 ZMW.

  • There are currently 5 providers offering transfers between South Africa and Zambia close to this rate

Want to secure the best ZAR-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 South Africa to Zambia!

What payment methods are available when sending money from South Africa to
Zambia?

  • Sending bank transfers from South Africa to Zambia

    Bank transfers are the most common way of sending ZAR to Zambia as they are secure, reliable, and convenient.

    If you want to send Rands 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 South Africa 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 Rands to Zambia with a credit card.

    Note: Beware of charges

    Credit 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 South Africa to Zambia by payment apps

    If you’d like to send money from South Africa to Zambia via payment app, follow these steps:

    1. 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 South Africa to Zambia.

    2. Enter your details. Enter any of the details required. You may need a valid form of ID.

    3. 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.

    4. 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 South Africa to Zambia after it’s been sent.

    5. Send the money. Your app will probably charge a fee for the transfer. They may also add a markup to the ZAR 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 ZAR to ZMW is 1.3593

How we analyze the market

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


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 South Africa to Zambia.


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

How much money can be transferred from South Africa to Zambia?
Are there any tax implications to sending money from South Africa to Zambia?
Can I send money from South Africa to Zambia with MoneyTransfers.com?
What are the typical transfer fees for sending Rands to Zambia through various providers?
How long does it take to send money from South Africa to Zambia?
What is the best exchange rate I can get for sending money from South Africa to Zambia?
Are there any minimum or maximum transfer amounts for sending money from South Africa to Zambia?
Can I schedule regular transfers between South Africa and Zambia?

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 CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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