Can I send to OPay, PalmPay or Moniepoint?

Yes. Those hold bank-style account numbers, so they work exactly like any Nigerian bank account here. Enter the number and pick the provider.

Is there mobile money in Nigeria?

No, and this is worth knowing before you send. Nigeria pays out to bank and fintech accounts over the NIP rail, not to mobile money wallets. You will need an account number, not a phone number.

What is the kwacha to naira rate?

The live rate is at the top of this page, refreshed within the last 30 minutes. The naira amount you see before sending is what your recipient gets.

How much does it cost?

The rate is shown upfront and the Nigerian bank payout fee is ₦58. Sending to another Eversend wallet is free.

How do I know the money reaches the right person?

Nigerian bank payouts return the account holder's name before you commit, so you can check it against who you meant to pay. That removes the most common cause of a misdirected transfer.

HomeSend to Nigeriafrom Zambia

🇿🇲🇳🇬ZMW → NGN corridor

Send money from Zambia to Nigeria.

The short answer

You can send Zambian kwacha to Nigeria with Eversend, funded from MTN Mobile Money or Airtel Money. The naira lands in any Nigerian bank account, or a fintech account like OPay, PalmPay or Moniepoint, in about a minute over the NIP rail. The ZMW to NGN rate is shown before you confirm.

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

Send ZMW → NGNUp to date

You send

ZK

🇿🇲ZMW

1 ZMW = 69.88 NGNLIVE

fees included · updated in the last 30 min

Recipient gets

69,818

🇳🇬NGN

fee ₦58deducted, shown before you send

69,818 NGN more than a typical bank transfer would deliver

Arrives in about a minutemedian 1.0 min, last 90 days

Start this transfer

Today's rate · ZMW → NGN

1 ZMW = 69.88 NGNUpdated 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 Nigeria.

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

Bank account

~1 min

91% land within 5 minutes

Any Nigerian bank or fintech account with a NUBAN number.

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 ZMW to Nigeria in 3 steps.

01

Create your account

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

02

Add kwacha

Top up from MTN Mobile Money or Airtel Money in Zambia. You do not need a Zambian bank account.

03

Send to a Nigerian account

Pick Nigeria, enter the amount and the account number. We show the account holder's name back to you before you confirm.

Where the money lands

Payout methods in Nigeria.

Banks

Direct deposit to any major Nigerian bank.

GTBankAccess BankZenith BankUBAFirst Bank

Fintech accounts

Account-number payouts to the fintechs Nigerians use daily.

OPayPalmPayMoniepointKuda

ZMW → NGN, compared

A typical bank

Eversend

Rate you see

Hidden until it lands

Shown before you send

Transfer fee

Wire fees at both ends

₦58 to bank account, wallet free

Money arrives

2 to 5 business days

About a minute

Fintech account payout

Not supported

OPay, PalmPay, Moniepoint

More ways to send to Nigeria

🇳🇬Every way to send money to Nigeria 🇬🇧Send from the UK to Nigeria 🇺🇸Send from the US to Nigeria 🇬🇭Send from Ghana to Nigeria 🇰🇪Send from Kenya to Nigeria

Send from Zambia to…

🇿🇲Everywhere you can send from Zambia

ZMW → NGN questions.

Download Eversend, verify once, and top up from MTN Mobile Money or Airtel Money in Zambia. Then pick Nigeria, enter the amount and the recipient's account number, and the naira lands in about a minute.

Send to Nigeria in the next few minutes.

Top up from your Zambian wallet and the naira lands in their bank account.

Get the app See the live rate