🇿🇲 Send K100 in Zambia: fees by provider
Sending K100 in Zambia costs the same K0.10 at every provider — a regulated/matched tariff, so the choice comes down to the recipient's network and agent availability, not price.
K100 is a small everyday sum in Zambia — roughly a minibus ride and airtime. Zambia's wallets are MTN MoMo, Airtel Money and Zamtel Kwacha, in a kwacha driven by the copper price.
Tariffs are banded and fairly close across operators; agent coverage, denser for MTN and Airtel, often decides more than the fee. The cheapest (MTN) works out at 0.10%; a flat fee, where it applies, still counts at this size.
At K100, this amount falls in a pricing band where no fee applies at the reference provider. The next band starts at K150.01, where pricing changes — worth knowing if your amount is near that threshold. Keeping money on the wallet to pay avoids any cash-out fee.
The Zambia send tariff is banded by amount: free K5–K150; flat K0.5 K150.01–K300; flat K0.8 K300.01–K600; flat K1 K600.01–K1,200; flat K2 K1,200.01–K3,000. That is why the cost depends as much on the amount as on the provider.
Mobile Money Transaction Levy: Zambia's Mobile Money Transaction Levy Act No. 25 of 2024 (effective January 2025). A sliding scale from 0.04% to 0.21% of the transaction value, applied on top of provider fees. Paid by the sender.
Compare all providers for K100
| Provider | Fee | Levy | Total |
|---|---|---|---|
MTNMTNCheapest | Free | K0.10 | K0.10 |
AIRAirtelCheapest | Free | K0.10 | K0.10 |
ZAMZamtelCheapest | Free | K0.10 | K0.10 |
Indicative verified fees; any applicable government levy is included in the total.
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