📈 USA to Zambia Money Transfer Snapshot Today
- Most ZMW received for USD 1,000 today: ≈ ZMW 20,772.68
ⓘ Includes an estimated fee. Remitly does not publish its fee, so we have estimated it from the fees other providers publish. with Remitly (Bank Account → Bank Account) - Best USD to ZMW exchange rate today: ZMW 20.7900, offered by Remitly
- Number of money transfer providers compared: 8 providers offering 41 ways to send
- Exchange rate range: ZMW 20.7900 to ZMW 19.6676
- Potential savings on USD 1,000: up to ≈ ZMW 1,105.08
ⓘ Includes an estimated fee. Not every provider publishes its fee, so we have estimated the missing ones from the fees other providers publish. , fees included - Zero fee transfers: 6 of 8 providers charge no fee for USD 1,000
- Number of deals and promo codes: 4, all exclusive to RemitFinder
- Mid-market
ⓘ The mid-market exchange rate (also called the interbank rate) is the real USD to ZMW exchange rate before providers add their margin or fees. exchange rate: 1 USD = ZMW 20.1567 (Updated about an hour ago)
See detailed USA to Zambia money transfer comparison below.
USA to Zambia money transfer providers that matched the search criteria
Also offered for other amounts:
- Credit Card, Debit Card or Cash → Mobile Wallet: Up to 480 USD
Also offered for other amounts:
- PayNearMe → Bank Account or Cash Pickup: 100 – 495 USD
Traveling to Zambia?
If you are planning a trip to Zambia, stay connected from the moment you arrive. Compare Zambia eSIM plans from top providers and avoid expensive roaming charges or the hassle of buying a local SIM card.
Instant activation • No physical SIM • Keep your existing number
💡What these rates mean for sending money to Zambia from United States today
Compare top-rated money transfer providers to find the best way to remit money to Zambia from United States. Check today's USD to ZMW exchange rates and fees, read detailed provider reviews, and discover exclusive deals and promo codes.
RemitFinder compared 8 providers offering 41 ways to send for USA to Zambia money transfers today. Here is what the competition looks like right now:
Today's Most Competitive Providers to Transfer Money to Zambia from USA
🥇 Remitly with ≈ ZMW 20,772.68
🥈 MoneyGram offering ZMW 20,647.00.
🥉 Western Union & Currency Solutions are also offering good value on USD-ZMW transfers today.
The 8 providers compared today offer exchange rates from ZMW 19.6676 to ZMW 20.7900. Once fees are included, a USD 1,000 transfer from USA to Zambia delivers between ZMW 19,667.60 and ≈ ZMW 20,772.68
How you pay matters too: paying by Credit Card instead of Debit Card costs ZMW 722.44 more with MoneyGram, for the same Cash Pickup delivery.
US Dollar to Zambian Kwacha exchange rates and fees change throughout the day, and top-ranked providers can change quickly. Even a small difference in the rate or fee can significantly change how much ZMW your recipient receives in Zambia.
Compare the providers above to maximize every USD you send to Zambia. The provider that pays the most for US Dollar to Zambian Kwacha transfers changes daily, so comparing today matters.
🔄 Looking for the reverse corridor? Send money from Zambia to USA instead.
Looking for a different option? You can browse all sending countries on our send money from hub, or view all destinations available when sending money from USA.
Sending money from USA to Zambia: what today's data shows
RemitFinder compares 8 providers and 41 ways to send money from USA to Zambia. The mid-market rate is ZMW 20.1567 per USD. 6 providers have no-fee options. The fastest published delivery is instant.
🧭 What is the best way to send money to Zambia from USA?
It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 8 providers offering 41 ways to send US Dollar (USD) to Zambian Kwacha (ZMW).
💰 Most ZMW received today, by amount sent:
| You send | Top three providers: what your recipient gets |
|---|---|
| USD 200 |
|
| USD 1,000 |
|
| USD 5,000 |
|
Four providers rank in the top three at one or more of these amounts: Remitly, MoneyGram, Western Union and Currency Solutions.
At USD 1,000, the top three providers are Remitly, MoneyGram and Western Union, giving ≈ ZMW 20,772.68, ZMW 20,647.00 and ZMW 20,224.80 respectively. ZMW 547.88 separates Remitly in first place from Western Union in third.
The leaders change with the amount you send. Compare providers at your own amount: the cards above rank every way to send for it, fees included.
🔀 Ways to receive, with the most received at USD 1,000:
| Receive by | Providers | Most received (top 3) |
|---|---|---|
| Bank Account | 4 |
|
| Cash Pickup | 4 |
|
| Mobile Wallet | 4 |
|
| Debit Card | 3 |
|
Bank Account, Cash Pickup and Mobile Wallet are the most widely offered ways to receive, with 4 providers each, followed by Debit Card (3). At USD 1,000, receiving in a Bank Account gets your recipient the most: up to ≈ ZMW 20,772.68.
💱 How to get the best USD to ZMW exchange rate?
The mid-market US Dollar to Zambian Kwacha rate today is ZMW 20.1567 per USD. Providers add a markup to it, so compare the rate each one gives you, not the mid-market rate.
At that rate, USD 1,000 is ZMW 20,156.70, and each 1% of markup costs about ZMW 201.57.
- 📊 Rates run from ZMW 19.3106 to ZMW 20.79 per USD across all amounts. The top three rates are from Remitly (ZMW 20.79 for transfers up to USD 20,000), MoneyGram (ZMW 20.65 for transfers up to USD 100) and Western Union (ZMW 20.2248 for transfers up to USD 1,000).
- 📏 Typical markup: 0.64%. The median provider's best rate is 0.64% below the mid-market rate.
- ✅ 3 providers offer a rate above the mid-market rate on some amounts: MoneyGram, Remitly and Western Union.
- 📈 Bigger transfers get better rates with 1 provider.
- Currency Solutions gives ZMW 20.0862 per USD for transfers from USD 150,001, compared with ZMW 20.0055 for transfers up to USD 25,000.
- 💳 How you pay rarely changes the rate. At USD 1,000, 3 of the 3 providers that offer more than one way to pay give the same rate whichever you choose. Payment methods differ mostly in their fees.
How your recipient gets the money changes the rate. The median provider's best rate is 0.64% below the mid-market rate for money received in a Bank Account, 0.69% below it in a Mobile Wallet, 1.19% below it as Cash Pickup and 2.47% below it on a Debit Card.
💸 What is the cheapest way to send money to Zambia from USA?
At USD 1,000, the three cheapest providers today are Remitly (paying from a Bank Account, received in a Bank Account), MoneyGram (paying by Debit Card, received as Cash Pickup) and Western Union (paying by Debit Card, received in a Mobile Wallet). With these providers, your recipient gets ≈ ZMW 20,772.68, ZMW 20,647.00 and ZMW 20,224.80 respectively.
💸 Total cost (fee + exchange-rate markup) by amount:
| You send | Three cheapest providers (total cost) | Typical total cost |
|---|---|---|
| USD 200 |
| 2.66% |
| USD 1,000 |
| 2.15% |
| USD 5,000 |
| 2.47% |
Below zero (−) is better than the mid-market rate
The typical total cost is 2.66% at USD 200, 2.15% at USD 1,000 and 2.47% at USD 5,000. At USD 1,000, all three of the cheapest providers have a total cost below zero, so your recipient gets more than at the mid-market rate.
Total cost is the fee plus the exchange-rate markup, as a share of the amount sent.
💳 Cheapest way to pay, at USD 1,000:
| Pay with | Typical total cost | Cheapest providers |
|---|---|---|
| Cash | −2.43% | MoneyGram |
| ACH | 0.78% | Western Union |
| Debit Card | 1.25% | MoneyGram, Western Union and Taptap Send |
| Apple Pay | 1.88% | Western Union and Ria Money Transfer |
| Bank Account | 2.13% | Remitly, Currency Solutions and Airwallex |
| Google Pay | 3.78% | Ria Money Transfer and Western Union |
| Credit Card | 4.19% | MoneyGram, Western Union and Ria Money Transfer |
Below zero (−) is better than the mid-market rate
Paying in Cash has the lowest typical total cost at USD 1,000 (−2.43%), and paying by Credit Card the highest (4.19%). On USD 1,000, that difference is worth about ZMW 1,334 more to your recipient.
🏦 Cheapest way to receive, at USD 1,000:
| Receive by | Typical total cost | Cheapest providers |
|---|---|---|
| Mobile Wallet | 1.72% | Western Union, Taptap Send and WorldRemit |
| Cash Pickup | 1.86% | MoneyGram, Western Union and Ria Money Transfer |
| Debit Card | 2.47% | MoneyGram, Western Union and WorldRemit |
| Bank Account | 4.47% | Remitly, Currency Solutions and Airwallex |
Receiving in a Mobile Wallet has the lowest typical total cost at USD 1,000 (1.72%), and receiving in a Bank Account the highest (4.47%). On USD 1,000, that difference is worth about ZMW 554 more to your recipient.
🔗 Cheapest pay and receive combinations, at USD 1,000:
| Pay with → Receive by | Typical total cost | Cheapest providers |
|---|---|---|
| Cash → Cash Pickup | −2.43% | MoneyGram |
| Apple Pay → Mobile Wallet | −0.34% | Western Union |
| ACH → Mobile Wallet | −0.34% | Western Union |
| Debit Card → Debit Card | 0.02% | MoneyGram and Western Union |
| Debit Card → Mobile Wallet | 0.69% | Western Union and Taptap Send |
| Debit Card → Cash Pickup | 0.78% | MoneyGram, Western Union and Ria Money Transfer |
| ACH → Cash Pickup | 0.78% | Western Union |
| Bank Account → Bank Account | 0.84% | Remitly, Currency Solutions and Airwallex |
| Apple Pay → Cash Pickup | 1.33% | Western Union and Ria Money Transfer |
| Bank Account → Mobile Wallet | 2.43% | WorldRemit |
| Apple Pay → Debit Card | 2.47% | Western Union |
| ACH → Debit Card | 2.47% | Western Union |
| Bank Account → Cash Pickup | 2.48% | Ria Money Transfer and WorldRemit |
| Credit Card → Mobile Wallet | 2.66% | Western Union |
| Google Pay → Mobile Wallet | 2.66% | Western Union |
| Bank Account → Debit Card | 2.70% | WorldRemit |
| Google Pay → Cash Pickup | 2.83% | Ria Money Transfer and Western Union |
| Credit Card → Cash Pickup | 3.78% | MoneyGram, Western Union and Ria Money Transfer |
| Debit Card → Bank Account | 4.49% | Ria Money Transfer |
| Google Pay → Bank Account | 4.49% | Ria Money Transfer |
| Apple Pay → Bank Account | 4.49% | Ria Money Transfer |
| Credit Card → Debit Card | 5.47% | Western Union |
| Google Pay → Debit Card | 5.47% | Western Union |
| Credit Card → Bank Account | 7.20% | Ria Money Transfer |
Below zero (−) is better than the mid-market rate
The cheapest combination is paying in Cash, received as Cash Pickup, with a typical total cost of −2.43%, so your recipient typically gets more than at the mid-market rate. The most expensive is paying by Credit Card, received in a Bank Account, at 7.20%.
On USD 1,000, your recipient typically gets ZMW 20,647.00 with the cheapest combination and ZMW 18,731.28 with the most expensive: ZMW 1,915.72 more with the cheapest combination.
Choosing well is worth ZMW 2,041.39 more on USD 1,000. The most your recipient can get today is ≈ ZMW 20,772.68, and the least is ZMW 18,731.28.
- 🧮 Fixed fees weigh most on small transfers. A typical fixed fee of USD 2.90 is 1.45% of USD 200 but only 0.06% of USD 5,000.
- 🆓 6 providers charge no fee on some ways to send or some amounts: Airwallex, Currency Solutions, MoneyGram, Taptap Send, Western Union and WorldRemit.
≈ marks amounts that include an estimated fee, where a provider does not publish its own.
🏦 How to send money from USA to Zambia through a bank?
6 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 4 providers.
Bank Transfer or Card? At USD 1,000, the typical total cost is 0.78% paying by ACH, 1.25% paying by Debit Card, 2.13% paying from a Bank Account and 4.19% paying by Credit Card.
- ⏱️ Money typically arrives in a Bank Account in 2–4 days, and Airwallex publishes delivery in about 2 hours.
- 🧾 What you need: the recipient's full name, bank name and account number, plus the bank's code.
Find the bank code: SWIFT codes for banks in Zambia.
⚡ How to send money from USA to Zambia fast?
The fastest published delivery arrives instantly, with MoneyGram (Cash Pickup).
| Receive by | Typically | Fastest published (top 3) |
|---|---|---|
| Bank Account | 2–4 days |
|
| Cash Pickup | within 2 hours |
|
| Mobile Wallet | within 30 minutes |
|
| Debit Card | 1–2 days |
|
By the times providers publish, money can arrive in about 2 hours in a Bank Account, instantly as Cash Pickup or on a Debit Card and within 30 minutes in a Mobile Wallet.
What speed costs. At USD 1,000, the cheapest way with a published delivery time within an hour is MoneyGram (paying by Debit Card, received as Cash Pickup), with a total cost of −2.43%. The cheapest way overall has a total cost of −3.06%, 0.63 percentage points less.
Delivery times are those providers publish, or typical times for the delivery method where they publish none. Actual times can vary with identity checks, bank cut-off times and public holidays.
🏆 Which are the best money transfer companies to send money to Zambia from USA?
There's no single best company: it depends on the amount and how you send. These are today's standouts, each by a measured figure.
- 🥇 Remitly, MoneyGram and Western Union give your recipient the most on USD 1,000 today.
- 💱 Remitly, MoneyGram and Western Union offer the highest exchange rates, from ZMW 20.2248 to ZMW 20.79 per USD.
- 🔀 Western Union offers the most ways to send (15), followed by Ria Money Transfer (12) and MoneyGram (7).
- 💵 MoneyGram, Ria Money Transfer, Western Union and WorldRemit offer Cash Pickup in Zambia.
- 🆓 6 providers have no-fee options.
- ⚡ MoneyGram publishes the fastest delivery: instant.
- 🎁 2 providers have RemitFinder deals for this corridor.
📋 All 8 providers, by what your recipient gets for USD 1,000:
| Provider | They receive | Ways |
|---|---|---|
| Remitly | ≈ ZMW 20,772.68 | 1 |
| MoneyGram | ZMW 20,647.00 | 7 |
| Western Union | ZMW 20,224.80 | 15 |
| Currency Solutions | ZMW 20,005.52 | 1 |
| Airwallex | ZMW 19,970.30 | 1 |
| Taptap Send | ZMW 19,810.00 | 1 |
| Ria Money Transfer | ZMW 19,787.31 | 12 |
| WorldRemit | ZMW 19,667.60 | 3 |
At USD 1,000, all 8 providers accept the transfer. Among them, your recipient gets between ZMW 19,667.60 and ZMW 20,772.68, and half of the providers give at least ZMW 19,987.91.
Below are the details for each provider, in alphabetical order: its exchange rate, fees, ways to pay and receive, delivery times, limits and what your recipient gets.
Airwallex USD to ZMW exchange rate today
- 💱 Airwallex's US Dollar to Zambian Kwacha exchange rate is ZMW 19.9703 per USD, 0.92% below the mid-market rate.
- 💸 Airwallex charges no fee.
- 🏦 With Airwallex, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
- ⏱️ With Airwallex, money arrives in a Bank Account in about 2 hours.
- 💰 On USD 1,000, your recipient gets ZMW 19,970.30 with Airwallex (paying from a Bank Account, received in a Bank Account).
Currency Solutions USD to ZMW exchange rate today
- 💱 Currency Solutions' US Dollar to Zambian Kwacha exchange rate runs from ZMW 20.0055 to ZMW 20.0862 per USD. Its best rate applies to transfers from USD 150,001 and is 0.35% below the mid-market rate.
- 💸 Currency Solutions charges no fee.
- 🏦 With Currency Solutions, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
- ⏱️ With Currency Solutions, money arrives in a Bank Account in 1–2 days.
- 📏 Currency Solutions accepts transfers from USD 1,000 per transfer.
- 💰 On USD 1,000, your recipient gets ZMW 20,005.52 with Currency Solutions (paying from a Bank Account, received in a Bank Account).
MoneyGram USD to ZMW exchange rate today
- 💱 MoneyGram's US Dollar to Zambian Kwacha exchange rate runs from ZMW 20.1931 to ZMW 20.65 per USD. Its best rate applies to transfers up to USD 100 and is 2.45% above the mid-market rate.
- 💸 MoneyGram charges no fee when you pay by Debit Card or in Cash. When you pay by Credit Card, it charges 3.5% + USD 4.99 (3% + USD 4.99 from USD 700, 2.5% + USD 5.04 from USD 1,127) when your recipient gets the money as Cash Pickup and 3% when your recipient gets the money in a Mobile Wallet.
- 🏦 With MoneyGram, you pay by Credit Card, by Debit Card or in Cash, and your recipient gets the money as Cash Pickup, in a Mobile Wallet or on a Debit Card.
- ⏱️ With MoneyGram, money arrives as Cash Pickup instantly, in a Mobile Wallet within 30 minutes and on a Debit Card instantly.
- 📏 MoneyGram accepts up to USD 2,450 per transfer.
- 💰 On USD 1,000, your recipient gets ZMW 20,647.00 with MoneyGram (paying by Debit Card, received as Cash Pickup).
Remitly USD to ZMW exchange rate today
- 💱 Remitly's US Dollar to Zambian Kwacha exchange rate is ZMW 20.79 per USD, 3.14% above the mid-market rate.
- 💸 Remitly's fee is not published for USD to ZMW transfers, so amounts here include an estimated fee.
- 🏦 With Remitly, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
- ⏱️ With Remitly, money arrives in a Bank Account typically in 2–4 days.
- 📏 Remitly accepts up to USD 20,000 per transfer.
- 💰 On USD 1,000, your recipient gets about ZMW 20,772.68 with Remitly (paying from a Bank Account, received in a Bank Account).
Ria Money Transfer USD to ZMW exchange rate today
- 💱 Ria Money Transfer's US Dollar to Zambian Kwacha exchange rate runs from ZMW 19.3106 to ZMW 19.8369 per USD. Its best rate applies to transfers of USD 100 to USD 29,999.99 and is 1.59% below the mid-market rate.
- 💸 Ria Money Transfer's fee depends on how you pay and how much you send.
- 🏦 With Ria Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by PayNearMe, and your recipient gets the money in a Bank Account or as Cash Pickup.
- ⏱️ With Ria Money Transfer, money arrives in a Bank Account typically in 2–4 days and as Cash Pickup typically within 2 hours.
- 📏 Ria Money Transfer accepts USD 100 to USD 29,999.99 per transfer.
- 💰 On USD 1,000, your recipient gets ZMW 19,787.31 with Ria Money Transfer (paying from a Bank Account, received as Cash Pickup).
Taptap Send USD to ZMW exchange rate today
- 💱 Taptap Send's US Dollar to Zambian Kwacha exchange rate is ZMW 19.81 per USD, 1.72% below the mid-market rate.
- 💸 Taptap Send charges no fee.
- 🏦 With Taptap Send, you pay by Debit Card, and your recipient gets the money in a Mobile Wallet.
- ⏱️ With Taptap Send, money arrives in a Mobile Wallet typically within 30 minutes.
- 📏 Taptap Send accepts up to USD 10,000 per transfer.
- 💰 On USD 1,000, your recipient gets ZMW 19,810.00 with Taptap Send (paying by Debit Card, received in a Mobile Wallet).
Western Union USD to ZMW exchange rate today
- 💱 Western Union's US Dollar to Zambian Kwacha exchange rate runs from ZMW 19.659 to ZMW 20.2248 per USD. Its best rate applies to transfers up to USD 1,000 and is 0.34% above the mid-market rate.
- 💸 Western Union charges 3% when you pay by Credit Card or with Google Pay and no fee when you pay by Debit Card, with Apple Pay or by ACH.
- 🏦 With Western Union, you pay by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by ACH, and your recipient gets the money as Cash Pickup, in a Mobile Wallet or on a Debit Card.
- ⏱️ With Western Union, money arrives as Cash Pickup typically within 2 hours, in a Mobile Wallet typically within 30 minutes and on a Debit Card typically in 1–2 days.
- 💰 On USD 1,000, your recipient gets ZMW 20,224.80 with Western Union (paying by Debit Card, received in a Mobile Wallet).
- 🎁 RemitFinder exclusives for Western Union: Refer a friend to earn USD 20; Get first transfer free in US.
WorldRemit USD to ZMW exchange rate today
- 💱 WorldRemit's US Dollar to Zambian Kwacha exchange rate runs from ZMW 19.6068 to ZMW 19.6676 per USD. Its best rate applies to all amounts and is 2.43% below the mid-market rate.
- 💸 When you pay from a Bank Account, WorldRemit charges USD 3.99 when your recipient gets the money as Cash Pickup and no fee when your recipient gets the money in a Mobile Wallet or on a Debit Card.
- 🏦 With WorldRemit, you pay from a Bank Account, and your recipient gets the money as Cash Pickup, in a Mobile Wallet or on a Debit Card.
- ⏱️ With WorldRemit, money arrives as Cash Pickup typically within 2 hours, in a Mobile Wallet typically within 30 minutes and on a Debit Card typically in 1–2 days.
- 💰 On USD 1,000, your recipient gets ZMW 19,667.60 with WorldRemit (paying from a Bank Account, received in a Mobile Wallet).
- 🎁 RemitFinder exclusives for WorldRemit: Get 3 free transfers; Refer a friend to earn USD 20.
Limits are those providers publish to RemitFinder. What you can actually send depends on the provider's checks, your account and the rules in both countries.
🪜 Step by step guide to send money from USA to Zambia
- Compare providers. RemitFinder lists 8 providers and 41 ways to send; the cards above rank them for your amount.
- Choose how to pay. At USD 1,000, paying in Cash has the lowest typical total cost (−2.43%).
ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee. - Choose how your recipient gets the money. Bank Account (4 providers), Cash Pickup (4 providers), Mobile Wallet (4 providers) or Debit Card (3 providers), including Airtel and MTN.
- Check the limits. Published maximums start at USD 2,450 per transfer. What you can send also depends on the provider's checks and the rules in both countries.
- Sign up and verify your identity. Providers need ID before your first transfer.
- Add your recipient's details. Name and Bank Account details, or their name as on their ID for Cash Pickup. Find the bank code: SWIFT codes for banks in Zambia.
- Pay and track the transfer. The fastest published delivery arrives instantly. Money typically arrives in a Bank Account in 2–4 days.
Frequently Asked Questions: Sending money to Zambia from USA
These FAQs use data from RemitFinder's live comparison of 8 providers for USA to Zambia money transfers.
How do I send money from USA to Zambia?
Compare 8 providers on RemitFinder, choose how you pay and how your recipient gets the money, then send online with the provider you pick.
What is the best way to send money to Zambia from USA?
At USD 1,000, Remitly, MoneyGram and Western Union give your recipient the most today: ≈ ZMW 20,772.68, ZMW 20,647.00 and ZMW 20,224.80 respectively. The best way changes with the amount, so compare at yours.
What is the cheapest way to send money to Zambia?
At USD 1,000, the cheapest providers today are Remitly, MoneyGram and Western Union. The cheapest combination is paying in Cash, received as Cash Pickup, with a typical total cost of −2.43%. 6 providers charge no fee on some ways to send or some amounts, and the exchange-rate markup decides the rest. RemitFinder ranks every way to send by what your recipient gets, fees included.
How much can I save by comparing providers to send money to Zambia?
At USD 1,000, your recipient gets between ZMW 18,731.28 and ≈ ZMW 20,772.68, depending on the provider and how you send. Comparing can get them ZMW 2,041.39 more on one transfer. Remitly gives the most today, paying from a Bank Account, received in a Bank Account.
What is the USD to ZMW exchange rate today?
The mid-market rate is ZMW 20.1567 per USD. Providers' rates run from ZMW 19.3106 to ZMW 20.79.
Can I get a better rate than the mid-market USD to ZMW rate?
Yes. Remitly, MoneyGram and Western Union offer a rate above the mid-market rate on some amounts today, so your recipient can get more than your amount converted at the mid-market rate. Rates like these can depend on the amount, how you pay or a first-transfer offer, so check the provider's terms.
Exchange rate or fee: what matters more when you send money to Zambia?
At USD 200, the typical fee is 1.25% of the amount, and the typical exchange rate has a markup of 1.59%. At USD 5,000, the typical fee is 0.05% of the amount, and the typical exchange rate has a markup of 1.72%. So the exchange rate matters more at every amount shown. Compare both: the cards above rank every way to send with both included.
Does sending more money to Zambia lower the cost?
Not always. The typical total cost is 2.66% at USD 200, 2.15% at USD 1,000 and 2.47% at USD 5,000. Currency Solutions gives a better exchange rate on larger transfers.
Which payment method is cheapest for sending money from USA to Zambia?
Paying in Cash has the lowest typical total cost at USD 1,000 (−2.43%), and paying by Credit Card the highest (4.19%). On USD 1,000, that difference is worth about ZMW 1,334 more to your recipient. The provider giving your recipient the most when paying in Cash is MoneyGram.
Is Debit Card cheaper than Credit Card for sending money to Zambia?
Yes. At USD 1,000, paying by Debit Card has a typical total cost of 1.25%, compared with 4.19% paying by Credit Card. On USD 1,000, that difference is worth about ZMW 591 more to your recipient. Your card issuer may also charge a cash advance fee when you pay by Credit Card.
Which delivery method is cheapest for sending money to Zambia from USA?
Receiving in a Mobile Wallet has the lowest typical total cost at USD 1,000 (1.72%), and receiving in a Bank Account the highest (4.47%). On USD 1,000, that difference is worth about ZMW 554 more to your recipient. The providers giving your recipient the most when receiving in a Mobile Wallet are Western Union, Taptap Send and WorldRemit.
Is Bank Account cheaper than Cash Pickup for sending money to Zambia?
No. At USD 1,000, receiving in a Bank Account has a typical total cost of 4.47%, compared with 1.86% receiving as Cash Pickup. On USD 1,000, that difference is worth about ZMW 526 more to your recipient. Money typically arrives in a Bank Account in 2–4 days, and Cash Pickup is typically ready within 2 hours.
How can I send cash to Zambia from USA?
MoneyGram, Ria Money Transfer, Western Union and WorldRemit offer Cash Pickup in Zambia. By published times, Cash Pickup can be ready instantly with MoneyGram.
Which mobile wallets can receive money in Zambia?
MoneyGram, Taptap Send, Western Union and WorldRemit send to Mobile Wallet accounts in Zambia, including Airtel and MTN.
What is the fastest way to send money to Zambia?
By their published times, MoneyGram delivers fastest, instantly.
Can I send money from USA to Zambia instantly?
Yes. MoneyGram publishes delivery within an hour on some ways to send. On USD 1,000, the most your recipient gets that fast is ZMW 20,647.00, with MoneyGram (paying by Debit Card, received as Cash Pickup).
How much money can I send to Zambia from USA?
Each provider sets its own limits. The lowest published maximum is USD 2,450, and 4 of 8 providers publish no maximum. Checks and the rules in both countries also apply.
Can I send money to Zambia without fees?
Yes, with Airwallex, Currency Solutions, MoneyGram, Taptap Send, Western Union and WorldRemit on some ways to send or some amounts. Check the exchange rate too, as a no-fee transfer can still carry a markup.
Which providers send money from USA to Zambia?
RemitFinder compares 8 providers: Airwallex, Currency Solutions, MoneyGram, Remitly, Ria Money Transfer, Taptap Send, Western Union and WorldRemit.
Which app is best to send money to Zambia?
It depends on your amount and how you pay. RemitFinder compares 8 providers and ranks every way to send for the amount you enter.
Latest Exchange Rates for Sending Money to Zambia from USA
Here are some latest USD to ZMW (US Dollar to Zambian Kwacha) exchange rates for popular conversion amounts*.
| 1 USD | 20.16 ZMW |
| 5 USD | 100.78 ZMW |
| 10 USD | 201.57 ZMW |
| 25 USD | 503.92 ZMW |
| 50 USD | 1,007.84 ZMW |
| 100 USD | 2,015.67 ZMW |
| 150 USD | 3,023.51 ZMW |
| 200 USD | 4,031.34 ZMW |
| 250 USD | 5,039.18 ZMW |
| 300 USD | 6,047.01 ZMW |
| 400 USD | 8,062.68 ZMW |
| 500 USD | 10,078.35 ZMW |
| 600 USD | 12,094.02 ZMW |
| 700 USD | 14,109.69 ZMW |
| 800 USD | 16,125.36 ZMW |
| 1000 USD | 20,156.70 ZMW |
| 1500 USD | 30,235.05 ZMW |
| 2000 USD | 40,313.40 ZMW |
| 2500 USD | 50,391.75 ZMW |
| 3000 USD | 60,470.10 ZMW |
| 4000 USD | 80,626.80 ZMW |
| 5000 USD | 100,783.50 ZMW |
| 10000 USD | 201,567.00 ZMW |
| 15000 USD | 302,350.50 ZMW |
| 20000 USD | 403,134.00 ZMW |
| 30000 USD | 604,701.00 ZMW |
| 40000 USD | 806,268.00 ZMW |
| 50000 USD | 1,007,835.00 ZMW |
| 100000 USD | 2,015,670.00 ZMW |
*Based on the Mid-market Exchange Rate