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Receive Money in Zambia
The best apps to send money directly to your mobile money wallet in Zambia. Fees, speed, and operators compared.
Annual inflows
$180–200M
% PIB
~2% of GDP
Top sources
South Africa, United Kingdom, United States
Supported Mobile Wallets
📱 MTN MoMo📱 Airtel Money📱 Zamtel
Apps to send to Zambia
| App | Fee | Speed | Send from |
|---|---|---|---|
| 🌍WorldRemit | Flat fee | Minutes | UK, US, CA, AU, AE |
| 📲TapTap Send | Free | Minutes | UK, US, CA, AU, AE |
| 💸Remitly | Flat fee | Minutes to 3 days | UK, US, CA, AU, AE |
| 🏦Western Union | FX | Minutes to 1 day | UK, US, CA, AU, AE |
| 📱MTN Homeland | Flat fee | Minutes | UK, EU |
⚠️ Inbound levy: 0.1% sliding government levy applies to mobile money transactions
💡 Key fact
MTN MoMo and Airtel Money both accept international inbound. Large South Africa-to-Zambia corridor from migrant workers.
Send from a specific country
Frequently Asked Questions
What apps can I use to send money to Zambia mobile wallets?+
The most popular apps are Sendwave, LemFi, WorldRemit, TapTap Send and Remitly. They deliver directly to MTN MoMo, Airtel Money, Zamtel in Zambia, in minutes.
Do I need to pay any fees to receive money on my wallet in Zambia?+
Generally no - recipients do not pay fees on international inbound transfers. Exception: 0.1% sliding government levy applies to mobile money transactions
What is the maximum amount I can receive in Zambia?+
MTN MoMo Zambia: max K100,000 per transaction. Daily limit K200,000.
How long does it take to receive money from abroad?+
Most apps (Sendwave, LemFi, TapTap Send, WorldRemit) deliver in minutes. Remitly Express is also fast. Remitly Economy and Wise take 1-3 business days.
Is there a government tax on receiving international money in Zambia?+
0.1% sliding government levy applies to mobile money transactions