Send money to Zambia from the US

You pay in US dollars and your recipient is paid in Zambian kwacha (ZMW), to their mobile money wallet or bank account. You see the fee, the rate and exactly what they receive before you pay.

Paid by mobile money or bank deposit
Pay by card, Apple Pay or Google Pay
Most transfers arrive within minutes

See what they’ll receive

Using the rate we’re quoting in the app. Your exact rate and fee are shown before you pay.

You send

USD

They receive about

See today’s rate in the app

Exchange rate: –
Rate last updated: –

Join the waitlist

Estimate only. Rates move during the day; the rate and any fee are confirmed on the review screen before you pay, and locked once you confirm.

How they get paid

Straight to their mobile money wallet, or into their bank account in Zambia. The name you enter must match the account.

How long it takes

Most transfers arrive within minutes. Some bank deposits can take up to one business day.

What it costs

The fee and the USD to ZMW rate are on the review screen, with the amount your recipient gets, before you pay. How pricing works

Sending to Zambia, step by step

Create your account
On the website or on WhatsApp. Then verify your ID once with a photo ID and a selfie.
Add your recipient
Their full name and mobile money number or bank account in Zambia.
Enter the amount
See the fee, the ZMW rate and what they receive.
Confirm and pay
Confirm with your PIN, pay by card, Apple Pay or Google Pay, and track it under Activity.

Questions about sending to Zambia

How do I send money to Zambia from the US?

Create a SonghaiPay account, verify your ID once, add your recipient in Zambia and choose how much to send. You see the fee, the USD to ZMW rate and what they will receive before you pay with a card, Apple Pay or Google Pay.

How will my recipient in Zambia get the money?

Mobile money or bank deposit. Mobile money goes straight to their wallet; a bank deposit goes to their account. The name you enter must match the account.

How long does it take to send money to Zambia?

Most transfers arrive within minutes. Some bank deposits can take up to one business day.

What is the current USD to ZMW exchange rate?

The rate on this page is the one we are quoting in the app, and the page shows when it was last updated. Rates change; the rate for your transfer is shown before you pay and locked once you confirm.