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Send money from South Africa 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."
Alternative for 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."
The best way to send ZAR to Zambia is through a cash transfer with MoneyGram.
MoneyGram offers broad coverage across South Africa and Zambia, making it a reliable option.
Transfer fees vary depending on the branch and the amount you send, but you can generally expect to pay around 3 ZAR per 4,300 ZAR transferred.
Before sending, check which deposit options are available in your area. In many cases, you can fund your transfer online in ZAR, while the recipient collects ZMW in cash at a local branch.
If you’re looking for alternatives, MoneyGram also offers competitive cash pickup services.
Getting the best deal on your South Africa 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 South Africa to Zambia.
Choose a provider
Select the provider that offers you the best value & service for transfers between South Africa 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
Sending money from South Africa to Zambia considerations
Compare providers
A comparison of providers offering services between South Africa and Zambia is the easiest way to ensure the best deal.
We've compared 3 providers that offer services for sending Rand to Zambia.
This ensures you will get the best options for your transfer to Zambia from South Africa.
Whilst we rate Western Union Agent as the best overall, comparing gives you a comprehensive view of all the options for transferring money from South Africa to Zambia.
Get the most from the Rand-Zambian Kwacha exchange rate
Choose the right payment method
Financial regulations in South Africa and Zambia
Consider transfer limits
How to receive money
Have your ID ready
Tax declarations
The cheapest way to send money from South Africa to Zambia is a cash transfer via Western Union.
The cheapest way to send money to Zambia from South Africa is via a cash transfer through a Western Union 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 ZAR/ZMW transfers online.
The total cost of your transfer includes both the transfer fee (around 3 ZAR per 4,300 ZAR) 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 South Africa is via PayPal P2P Transfer
The coverage of ZAR/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 ZAR 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 South Africa has the potential to be very expensive.
Western Union Agent is our choice for big transfers to ZAR because of all round price, speed and management when making large transfers.
Understanding the cost of sending money to Zambia from South Africa
The cost of sending money from Zambia to Zambia, is made-up of a combination of fees and exchange rates:
The Mid-Market and Exchange Rates: The mid-market rate determines a mid-price for buying currency. The current mid-market rate from ZAR-ZMW is 1.3276 ZMW per Rand.
Finding a provider offering an exchange as close to 1.3276 as possible will ensure more Zambian Kwacha received when transferring.
For context, the ZAR-ZMW mid-market rate for the past 7 days has averaged 1.3248 ZMW per Rand. This includes a high of 1.3296, and low of 1.3151.
Western Union Agent currently offers the best exchange rate on transfers from South Africa to Zambia.
For the most part the ZAR-ZMW exchange rate you receive is the biggest factor impacting the cost of sending ZAR to Zambia.
Fees: Outside of exchange rates, you may need to pay a fee to send. Western Union Agent currently offers the lowest fees on transfers to Zambia from South Africa. They charge 3 ZAR per transfer.
Although this does include large transfers as well, we recommend searching for your exact send amount for an exact fee.
Amount Received: The amount received in Zambian Kwacha is the amount you started with, minus the amount you paid in the exchange and fees.
The better deal you get on exchanging Rands to ZMW, paired with a low fee, means a higher total amount received in Zambia.
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.
Over the past 7 days, here’s what we’ve seen:
The exchange rate from ZAR to ZMW averaged 1.3248 ZMW.
The highest value recorded was 1.3296 ZMW, while the lowest was 1.3151 ZMW.
There are currently 3 providers offering transfers between South Africa and Zambia close to this rate
Want to secure the best ZAR-Zambian Kwacha exchange rates?
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Payment options for South Africa to Zambia money transfers
Bank transfers
Bank transfers are usually the best and easiest way to send money from South Africa to Zambia.
By using a money transfer company such as Western Union Agent for transfers from South Africa to Zambia, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates than you would get from a traditional bank.
Western Union Agent is the cheapest money transfer company for bank transfers from the 3 we compared for transfers from ZAR into Zambia.With a fee of 3 ZAR to send money from South Africa to Zambia, Western Union Agent offers a strong combination of competitive exchange rates and lower fees.
Debit cards and prepaid options
Sending money from South Africa to Zambia with a debit or a prepaid card is available through Western Union Agent.
Western Union Agent is a one of the cheaper options for debit card payments for transfers from South Africa to Zambia. This cost is against a total of 3 money transfer companies offering this option.
Credit cards
When it comes to international credit card transfers from South Africa to Zambia, we recommend comparing your options to get the best deal.
Be aware of fees: using a credit card to transfer money often results in a fee being charged by your card issuer. Where possible, we recommend a bank transfer or debit card payment.
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 and review methodology.
Money transfer company reviews
