Travelling to Zambia?

Get the best rates for Zambian currency online

Prepare for your trip and buy Zambian currency from Manor FX today. Our amazing exchange rates mean you’ll get more ZMW cash to spend. We’ll deliver your Zambian Kwacha banknotes securely to your home or workplace. 

Or you can pick them up from our bureau near Heathrow. Manor FX provides speedy delivery times and a fuss-free online ordering process for your Zambian kwacha travel money.

Zambian travel money:

Get ready to explore Zambia. This South African country is famous for national parks, safaris and Victoria Falls, one of the seven wonders of the world.

Here are some useful facts about cash and card payments and the currency of Zambia.

Where can you get Zambian kwacha?

To exchange your British pounds for Zambian kwacha, you’ll normally need to use a currency exchange bureau. This is because it’s not a currency carried by most banks.

You can find currency exchange bureaus in many cities and in airports. But beware of using bureau de changes in airports. Although they’re convenient, their high commission will often hurt your wallet as they offer less favourable exchange rates. 

Online exchange services are now offering a more convenient way to get your travel money. Some online platforms (like ours!) allow you to order hard-to-find foreign currency for delivery to your door.

Are you planning a trip to Zambia through a travel agent? If so, they may also offer currency exchange services as part of their travel packages.

It’s good practice to compare exchange rates. Even when looking for less commonly available currencies to ensure you’re getting the best deal. 

Also, consider how fees or commissions may bump up the cost of your currency exchange.

How much is 1 pound to 1 kwacha?

As of August 2023, £1 was equal to 25.5 kwacha. That means that 1 Zambia kwacha = £0.40.

Can I buy Zambian kwacha in the UK?

Absolutely! If you want to buy Zambian kwacha before you travel, we’re happy to let you know that you can.

Because the Zambian kwacha is a minor currency, it’s not as widely available as euros or US dollars. You’ll need to seek out specialist bureau de changes to find out who has kwacha in stock.

Handy tip: Look no further! Reading this, you’ve already found the currency provider with the best exchange rates for your Zambian travel money – us!

Should I exchange money before I travel to Zambia?

Yes. Exchanging money before you travel to Zambia is a good idea. It ensures you’ll have some local currency in your pocket right from the start to help you navigate those first steps. 

Cash is a must-have for anyone travelling outside the main tourist areas of Zambia. Exchanging money before you travel also ensures your peace of mind and convenience. You’ll have cash ready for taxis, snacks, and small purchases as soon as you land.

You’ll also have no need to worry about finding a currency exchange right away. You can focus on settling in without hunting for an exchange spot.

What is the best currency to take to Zambia?

The Zambian kwacha (ZMW) because it’s the most widely accepted and used currency in Zambia. You’ll have absolutely no trouble using it for all your expenses. Using the local currency makes transactions smoother, and you won’t have to worry about exchange rates.

You can also take some US Dollars (USD). While the kwacha is king, some popular tourist areas, lodges, and some shops accept USD. If you decide to bring USD, make sure they’re newer bills and in smaller denominations for better acceptance.

A mix of ZMW and a bit of USD can be a smart strategy. ZMW for everyday expenses and USD for larger payments or emergencies.

Can I use my bank card in Zambia?

Yes. You can use your bank card in Zambia. International hotels, shopping malls, supermarkets and chain restaurants fine accepting most major debit and credit cards (Visa, MasterCard, etc.) 

Top tips: Check with your bank before you travel to make sure your card will work in Zambia. Also, let them know you’re travelling to avoid any unexpected hiccups.

And be mindful that payments in Zambia often come with a fee of 5% to cover bank charges.

Here are some other things for you to consider when using your bank card in Zambia:

ATMs:

• ATMs are common in cities and towns. They’re a convenient way to withdraw Zambian kwacha.
• ATM withdrawals in Zambia will be subject to additional costs, including currency conversion fees. (Your bank’s ZMW to GBP exchange rate may be poor – this is how banks make money.)
• Remember that some ATMs might have withdrawal limits, so plan accordingly.

Currency Conversion:

• When using your card, you’ll usually get the option to pay in local currency (kwacha) or your home currency (British pounds). Opt for local currency to get a better exchange rate.

Fees:

• Check with your bank about international transaction fees and ATM withdrawal fees. These fees can add up, so it’s good to know what to expect.

Cash is King in Rural Areas:

• While cards are handy in urban areas, more remote or rural places might prefer cash. 

Chip-and-PIN Cards:

• Many card machines in Zambia use the chip-and-PIN system. So make sure your card has a chip and you know your PIN.

Whether shopping for local crafts in Lusaka or indulging in a wildlife adventure, your bank card can be a trusty ally. Just keep these points in mind, and you’re all set for a wonderful Zambian journey!

Do you need cash in Zambia?

Yes. We recommend that you take cash with you on your trip to Zambia. If you plan to travel beyond the main cities, you’ll need cash to pay for most transactions. This includes buying fuel and paying for safari trips.

Is Zambia cheap or expensive?

Prices in Zambia are significantly lower than prices in the UK. The average cost of living in Zambia is 52% lower than the cost of living in the UK.

Here are a couple of quick comparisons for you:

• A coffee in a cafe in Lusaka costs around 35 ZMW. (£1.40)
• A three-course meal in a mid-range restaurant costs approximately 565 ZMW. (£23)

Zambia can offer a range of experiences for different budgets, so let’s break it down:

Affordable adventures:

• Compared to some Western countries, Zambia can be quite affordable, especially when it comes to accommodation, food, and local transport.
• Street food and local markets can offer delicious meals at reasonable prices.
• Public transport is generally inexpensive, though it might not be as extensive in the UK

Mid-range magic:

• If you’re aiming for more comfort, mid-range accommodation and dining awaits you in major cities and popular tourist areas.
• Entrance fees for national parks or guided tours might make up a large part of your budget. But the experiences are well worth it!

Splurge-worthy safaris:

• Seeking luxury and top-tier experiences? Zambia has high-end lodges and safari options that provide exceptional service and breathtaking wildlife encounters.

Here are a few tips to manage your budget:

• Research and plan ahead to get an idea of prices for accommodations, activities, and meals.
• Consider all-inclusive packages if you’re planning a safari. They might seem expensive at first, but they often include accommodation, meals, activities, and even transportation within the package.

Remember, just like anywhere else, your budget in Zambia depends on your choices and preferences. 

How does tipping work in Zambia?

There is no formal tipping culture in Zambia. Most locals don’t leave a tip, and the country isn’t a big tourist hub yet. If you like the service, you can leave a tip, of course.

Zambian Currency:

Banknotes in Zambia

The Zambian Kwacha went through a reform in 2012. The old Kwacha (ZMK) became obsolete, and the New Kwacha (ZMW) came into force. One new kwacha equals 1000 old kwachas, dropping three zeroes from the banknotes.

Make sure that you only accept Zambian Kwacha banknotes dated 2012 and later. Don’t accept the high denomination banknotes of the old series (1992 to 2012). 

If your banknote is from 2012, ensure that the amount shown is not more than 100 kwacha. This is the highest denomination in Zambian money today. 

Any banknotes of more than 100 kwacha or any banknotes dated before 2012 are old Zambian kwacha banknotes and are worthless. The Zambian kwacha banknotes in use are 2, 5, 10, 20, 50 and 100 ZMW. 

Zambian banknotes showcase vibrant colours and artwork.

• Some banknotes feature images of Zambia’s remarkable wildlife, including elephants, lions, and birds. These animals reflect the country’s biodiversity and conservation efforts.
• Zambian banknotes also pay tribute to the country’s diverse ethnic groups and traditions. Some notes depict scenes of daily life and cultural rituals, celebrating the unity within diversity.
• Some banknotes commemorate Zambia’s history and notable figures. Political leaders and important milestones offer a sneak peek into the country’s journey.

Coins in Zambia

There are four coins currently in circulation. These are; 5 Ngwee, 10 Ngwee, 50 Ngwee and  1 kwacha. There are 100 ngwee in 1 kwacha. Zambian coins are little pieces of the country’s culture and history.

Many Zambian coins feature images of the country’s fascinating wildlife. You might spot graceful antelopes, majestic elephants, or the colourful crested crane.

Zambia’s national emblems, like the African fish eagle and the national flower (the Bougainvillea), often appear on these coins.

Some coins showcase traditional Zambian patterns and symbols, offering a glimpse into the vibrant tapestry of the country’s diverse cultures.

Using coins in Zambia can be a chance to interact with locals in markets and shops. It’s a small gesture that can lead to big smiles. Zambian coins are also delightful keepsakes of your journey.

Zambia’s currency import and export regulations

There are no restrictions on the amount of foreign or domestic currency you can import or export into or from Zambia. You must make a declaration when travelling with currency worth $ 5,000 US dollars or more. You need to declare both on arrival and on leaving Zambia.

Ordering Zambian kwacha online

Order your Zambian Kwacha online. We’ll deliver them fast and securely to your home or office with Royal Mail Special Delivery Guaranteed®. 

Live locally? You can pick your currency up from our travel money shop near Heathrow. Click here to buy Zambian kwacha online.

Selling back Zambian kwachas

If you have Zambian kwacha to sell, follow this link to exchange Zambian kwacha to pounds. Then click on ‘sell currency’ and select ‘ZMW Zambian kwacha’. We’ll pay you good rates for any leftover Zambian kwacha.

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