Send money to Zambia
Fast, low-cost, and secure online money transfers from Australia to Zambia.
How to send money to Zambia in 3 easy steps
Enter amount to send in AUD.
Pay in AUD with your debit card or credit card, or send the money from your online banking.
Choose recipient in Zambia.
Select who you want to send money to and which pay-out method to use.
Send AUD, receive ZMW.
The recipient gets money in ZMW directly from Wise’s local bank account.
Wise is easy.
How to send money to Zambia from Australia
- Just tap in how much, and where to.
- Then make a local payment to Wise, whether it's with a bank transfer, swift or your debit or credit card.
- And that's it.
Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.
How much does it cost to transfer money to Zambia?
Pay a small, flat fee and percentage
To send money in AUD to Zambia, you pay a small, flat fee of 8.12 AUD + 1% of the amount that's converted (you'll always see the total cost upfront).
Fee depends on your chosen transfer type
Some transfer types have different fees which are usually tiny.
No hidden fees
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
How long will a money transfer to Zambia take?
A money transfer from Australia (AUD) to Zambia (ZMW) should arrive . Sometimes transfer times can differ based on payment methods or verification changes. We’ll always keep you updated, and you can track each step in your account.
On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.
What you’ll need for your online money transfer to Zambia
Register for free.
Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.
Choose an amount to send.
Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.
Add recipient’s bank details.
Fill in the details of your recipient’s bank account.
Verify your identity.
For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.
Pay for your transfer.
Send your money with a bank transfer, PayID, POLi, or a debit or credit card.
We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.
Trust Wise with safe & secure money transfers to Zambia
Safeguarded with leading banks
We hold your money with established financial institutions, so it’s separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.
Regulated around the world
We’re regulated by authorities around the world. This includes the FCA in the UK and FinCEN in the US.
We make sure your money’s secure, and that Wise is financially stable. As we’re not a bank, your money isn’t FSCS protected — instead we safeguard it.
We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.
We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.
Dedicated anti-fraud team
We work round the clock to keep your account and money protected from even the most sophisticated fraud.
Trustpilot score 4.4 out of 5, from 187,000 reviews
It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it.Trustpilot.com. Read our reviews at