Which mobile money services work in Zambia?

MTN Mobile Money and Airtel Money. Both need only a phone number, and payouts land in under a minute at the median over our last 90 days.

Can I send to a Zambian bank account?

Not today. Zambia pays out to mobile money wallets and to Eversend wallets. We list only what we can actually deliver.

What is the cedi to kwacha rate?

The live rate is at the top of this page, refreshed within the last 30 minutes. The kwacha amount you see before sending is what arrives.

Can I really send from West Africa to Southern Africa?

Yes, and it is one of the routes that separates a multicurrency account from a one-direction remittance app. Cedis convert once and pay out on Zambia's local mobile money rail.

How much does it cost?

The rate is shown before you send and the mobile money payout fee is ZK 16. Sending to another Eversend wallet is free.

HomeSend to Zambiafrom Ghana

🇬🇭🇿🇲GHS → ZMW corridor

Send money from Ghana to Zambia.

The short answer

You can send Ghanaian cedis to Zambia with Eversend and the kwacha arrives in an MTN Mobile Money or Airtel Money wallet with just a phone number, in under a minute at the median over our last 90 days. West Africa to Southern Africa is a route most transfer apps do not run at all. The GHS to ZMW rate is shown before you confirm.

Licensed and safeguarded1.6M+ registered usersRate shown before you send

Send GHS → ZMWUp to date

You send

₵

🇬🇭GHS

1 GHS = 1.545 ZMWLIVE

fees included · updated in the last 30 min

Recipient gets

1,529

🇿🇲ZMW

fee ZK 16deducted, shown before you send

1,439 ZMW more than a typical bank transfer would deliver

Arrives in about a minutemedian 0.8 min, last 90 days

Start this transfer

Today's rate · GHS → ZMW

1 GHS = 1.545 ZMWUpdated in the last 30 min

The rate refreshes every 30 minutes. The recipient amount you see already includes our commission: what you see is what they get.

Delivery times

How fast money arrives in Zambia.

Delivery depends on how the recipient is paid. These are measured times, not promises.

Mobile money

~1 min

89% land within 5 minutes

To their MTN Mobile Money or Airtel Money wallet, day or night.

Eversend

Instant

Lands the moment you send

If they have Eversend, the money is theirs the second you confirm.

Medians measured over the last 90 days of real transfers. A first transfer may need a one-time verification.

Send GHS to Zambia in 3 steps.

01

Create your account

Download Eversend and verify your identity once. A few minutes, and only the first time.

02

Add cedis

Top up with MTN MoMo or a bank transfer from your Ghanaian account.

03

Send to a Zambian wallet

Pick Zambia, the amount, and the recipient's phone number. The rate and fee show before you confirm.

Where the money lands

Payout methods in Zambia.

Mobile money

Instant payout to the wallets Zambians use every day.

MTN Mobile MoneyAirtel Money

Eversend wallet

Free and instant between Eversend accounts.

Eversend to Eversend

GHS → ZMW, compared

A typical bank

Eversend

Rate you see

Hidden until it lands

Shown before you send

Transfer fee

Wire fees at both ends

ZK 16 to mobile money, wallet free

Money arrives

2 to 5 business days

About a minute

Mobile money payout

Not supported

MTN Mobile Money, Airtel Money

More ways to send to Zambia

🇿🇲Every way to send money to Zambia 🇳🇬Send from Nigeria to Zambia 🇰🇪Send from Kenya to Zambia 🇨🇲Send from Cameroon to Zambia 🇺🇬Send from Uganda to Zambia

Send from Ghana to…

🇬🇭Everywhere you can send from Ghana 🇳🇬Ghana to Nigeria 🇬🇧Ghana to the UK 🇺🇸Ghana to the US 🇰🇪Ghana to Kenya

GHS → ZMW questions.

Download Eversend, verify once, and add cedis with MTN MoMo or a bank transfer. Pick Zambia, enter the amount and the recipient's phone number, and the kwacha arrives in their mobile money wallet.

Cedis to kwacha, in under a minute.

Top up with MoMo and the kwacha lands on their phone in Zambia.

Get the app See the live rate