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# 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](https://zra.org.zm/), then visit the Airtel service center to link their TPIN to Airtel account. You can [learn more about TPIN here](https://help.topremit.com/en/article/what-is-tpin-ad7cq8/).

### 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.
    * [What is IBAN?](https://help.topremit.com/en/article/what-is-iban-187vm4p/)
    * [What is SWIFT Code?](https://help.topremit.com/en/article/what-is-swift-code-1egbi3t/)
* 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.