Sending money to Africa is increasingly becoming easier, cheaper and faster because of advances in technology. We’ve selected 5 services that help you to transfer money to Zambia from European countries, the United States, Australia as well as many other countries. You can use some of these services as well to top up airtime for prepaid mobile phone plans.

Fastest and cheapest options

  • There are many options available to send money to Zambia. Choose a method that is cheaper to you and the recipient, one that is faster, and one that is efficient.
  • Of all the methods, we recommend using World Remit, or wire transfer. However, you should also ask the Zambian recipient on the method they mostly prefer.
Send money to Zambia from Europe via app & website, First transfer is free and next transfer fee as low as £1, instant airtime top upNo cash payment, Receiver must have a bank account, No transfer to mobile money, No transfers from the US
World Remit
Send money to Zambia from 145 countries, Nine payment methods, Free transer for your first transaction if you use the promotion code, Multiple receiving methods: bank accounts for all banks in Zambia, mobile money, cash pickup, instant airtime top upMaximum per transfer is USD 1000, mobile money only works with MTN
Taptap Send
No transfer feesNo bank transfers, Money can only be sent to people with mobile money accounts with MTN
Multiple payment methods including WhatsappNo bank transfers or mobile money, Payment only received in cash where there are Mukuru agents
Hello Paisa
Payment via Hello Paisa Android or iOS app, 5 South African rand per 100 South African randYou can only send money from South Africa, No bank transfers or mobile money, Cash can only be collected at UAE Exchange stores

World Remit

With its headquarters in London and regional hubs in Poland, the Philippines, and the United States, you can send money through World Remit to Zambia.

Sending money to Zambia is possible from more than 145 countries around the world such as the UK, the US, Australia, and Canada, The maximum amount per transfer is USD 1,000.

World Remit Transaction details

Depending on the country you are sending money from, you can pay for your transfer using the following:
1. Card (debit, credit and prepaid)
2. Bank Account Transfer
3. Poli
4. Interac
5. iDEAL
6. Sofort
7. Google Pay
8. Apple Pay
9. Trustly
World Remit money can be received through the receiver’s bank account, mobile money, airtime or cash pickup at World Remit partner in Zambia, Unimoni.

For mobile money, you can only send money to MTN Mobile Money subscribers’ accounts in Zambia. Mobile money can be spent in stores, transferred or turned into cash by local agents located all over the country. MTN is one of the three mobile phone operators in Zambia. Instant mobile airtime can only be sent to sim cards registered on Zamtel and MTN mobile networks. The airtime, however, cannot be converted into cash.


World Remit electronic bank transfers can be received by account holders of all banks in Zambia. The funds will usually be available within one working day.

World Remit offers free transer for your first transaction if you use the promotion code Free. Generally, the minimal fee for sending to Zambia is GBP 3.99. And you can also try the coupon code 3FREE for the first three transactions to be free.
1. Passport or
2. Driving licence or
3. National ID
Further verification documents may be needed.
World Remit is regulated by various government regulators around the word and verified by Visa, MasterCard, Microsoft Azure and Security Standards Council.

Go to World Remit

Coupon code World Remit

Special offer until March 2020. Send money with WorldRemit using the code 3FREE and pay no fees on your first three money transfers. Coupon code WorldRemit for free transfers.



Launched in January 2012 and registered in the UK, Azimo allows people to send money to Zambia from 25 countries including the the UK, the Eurozone, Sweden, Norway, Denmark, Switzerland and Poland. At the moment, the service is not available for US senders.

Payments can be done via online bank transfer or on their website or using their Android app or iOS app with debit/credit card payments. Accepted cards are Master Card, Maestro and Visa. You can pay via SEPA bank transfers.

  • Azimio does not accept cash as a payment method.
  • Transferring via bank transfer may take up to 24 hours.
  • On top of sending money using Azimo platform, you can also send instant mobile top up to a mobile phone user in Zambia to be used for talk time or data bundles.

Azimo transaction details

The recipient in Zambia can only receive funds throught their bank account or mobile top up (airtime) on their phones.
The First Azimo transfer is fee-free and then after that they can be as low as £1, but the exact amount varies based on factors such as where you are sending money to and from and the payment method (bank transfer or debit/credit card). Azimio lets its users know the exchange rates before a transfer is completed.
To send money with Azimo you’ll need the following details:
1. The amount of money you want to send and which currency you would like to send it as
2. How the money will be transferred and received (in Zambia the only option for receiving money is bank transfer or mobile top up.
3. Where the money is going
4. Details of your recipient, such as their name, address and bank account information
5. How you’ll pay for the transfer (debit/credit card or electronic bank transfer)

When you’ve send the money, the sender can track the transaction progress on Azimo dashboard.

1. Passport
2. National ID
3. Driver’s licence
Azimo implements compliance procedures to ensure customers’ transactions are secure. The services is verified by MasterCard and Visa, registered with Her Majesty’s Revenue and Customs (HMRC), regulated by the UK Financial Conduct Authority (FCA) and certified by German TÜV for data protection.

Taptap Send

Taptap Send is a UK registered money transfer service, which has partnered with mobile money service providers in select African countries, including Zambia.

TapTap transaction details

1. Debit/credit card on their website
2. Android or iOS app.
Recipients in Zambia with MTN Mobile Money can receive the money in their mobile wallet. The money will be in the same account as their other mobile money. Receivers can withdraw cash from any MTN Mobile Money agent or pay bills from their phone as well as buying airtime or data bundles. The money is expected to arrive within minutes. Senders will be notified of the latest estimated transfer time on the confirmation screen before the transaction is completed.
Taptap Send does not charge fees for sending money.

How then does the company make money? Taptap Send negotiates the best deals for its customers by pooling together transfers from all customers everyday.

We keep part of the gain to pay our own bills and pass the rest of the gain on to you. Our aim is to offer you an exchange rate that is as close as possible to the real exchange rate that you can find on Google or Bloomberg – much better than most other remittance providers.

National ID
Driver’s licence
Taptap Send is authorised by the Financial Conduct Authority (FCA), uses advanced encryption technology to protect your payments and data in line with the EU General Data Protection Regulation (GDPR) requirements and is in compliance with Payment Card Industry Data Security Standard (PCI).


Established in 2006, Mukuru is a digital international money transfer service based in the UK.

The company offers money sending services to Zambia via the following methods:
2. Mukuru App
3. Payment on the Mukuru mobile site.
4. WhatsApp: The company uses Business WhatsApp API to allow customers to send money using WhatsApp.
Mukuru has cash a number of receiving centers in two major cities in Zambia, the capital Lusaka and the tourist capital Livingstone, as well as the border towns of Kazungula, Nakonde, Chirundu, Kasumbalesa. Sending money to Zambia using Mukuru may take up to 3-4 working days.
Mukuru charges a fixed fee based on the amount of money you wish to transfer.
To send money via Mukuru, what you need is:
1. Passport
2. National ID
3. Driver’s licence
4. You can choose to sign up online or physically by visiting a branch near you.
Taptap Send is authorised by the Financial Conduct Authority (FCA), uses advanced encryption technology to protect your payments and data in line with the EU General Data Protection Regulation (GDPR) requirements and is in compliance with Payment Card Industry Data Security Standard (PCI).

Hello Paisa

Hello Paisa became the first company to be authorised as an independent money transfer operator in South Africa after it started in March 2015. The company, started by two brothers Nadir and Shaazim Khamissa, offers services to send money to Zambia from South Africa.

Hello Paisa transaction details

To send money, you have the following options:
1. Paying at Hello Paisa agents in South Africa
2. Depositing in Hello Paisa accounts in Ned Bank, Standard Bank and FNB Bank in South Africa.
3. Pay through Hello Paisa Android or iOS app
4. Signed up by Hello Paisa agent or at Hello Store.
Money sent can be collected by the recipient at UAE Exchange stores in Zambia.
Hello Paisa charges 5 South African rand per 100 South African rand.
To sign up for Hello Paisa services, you need the following documents:
1. A valid South African ID
2. Foreign passport with a permit (work permit, student visa or residency permit)
3. Asylum permit
4. Proof of address. If proof of address is not available, you will need an Affidavit or employee site verification by Hello Paisa employee.
Taptap Send is authorised by the Financial Conduct Authority (FCA), uses advanced encryption technology to protect your payments and data in line with the EU General Data Protection Regulation (GDPR) requirements and is in compliance with Payment Card Industry Data Security Standard (PCI).

More information

With these five services, you will be able to conveniently send money to family members or friends for school fees, medical care, food or to support projects and businesses in Zambia.

One of the main sources of money sent to Africa are remittances, money sent home by people who work abroad. It is estimated that 20 to 30 million adults send $40 billion USD annually to Africa. This represents 50 percent more than net official development assistance (ODA) from all sources. For most countries, the amount exceeds foreign direct investment (FDI). According to According to the World Bankthe World Bank, money sent to Zambia in 2017 reached 93.64 million U.S. dollars.