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 5 - USD 100,000
1 banking day for payments before 16:00 (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.
    - What is IBAN?
    - What is SWIFT Code?
  • 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.