Send Money to Zambia
Here is some information for sending money to Zambia:
Currency | Service | Fee | Transaction limit | Estimated arrival time |
|---|---|---|---|---|
ZMW | E-Wallet (MTN & Airtel) | IDR 75,000 | ZMW 50 - ZMW 3,000 | 20 minutes for payments before 16:00 (GMT+7) |
USD | SWIFT | IDR 75,000 + IDR 330,000 (correspondent bank fee) | USD 1 - USD 100,000 | same banking day for payments before 12:00 (GMT+7) |
Can I send more than the transaction limit in a day?
Yes, you can. If you send more than the limit, we will require some supporting documents from you to verify the purpose of your transaction.
Additional information
For e-Wallet:
For Airtel:
- Make sure the recipient has linked their Airtel account with a TPIN at least 72 hours before the transaction is created. If the TPIN is linked after you’ve sent the money, the transaction will fail.
- If the recipient doesn’t have a TPIN, they must first register at https://zra.org.zm, then visit the Airtel service center to link their TPIN to Airtel account. You can learn more about TPIN here.
For SWIFT (USD):
- Make sure that your recipient’s bank account currency is in USD.
- Make sure that you already have your recipient’s IBAN (if any) and SWIFT Code, as they are required for transactions via SWIFT.
- The recipient's full name registered in the bank account must be in alphabet letters, including numbers if any (example: VentureTech 365 Ltd).
- Some recipient banks might charge a fee which will deduct the amount received.
Updated on: 06/07/2026
Thank you!