Zamtel Kwacha Fees in Zambia
🇿🇲 ZMW (K) · Including all taxes
Zamtel Kwacha is one of the leading mobile money services in Zambia, serving millions of users. Domestic transfers are FREE. Note that Zambia applies a government levy on mobile money transactions. Use the fee tables below to see all charges including government taxes.
Send Money Fee Tiers
| Range | Fee |
|---|---|
| Free | Free Free up to K150 |
| K150.01 - K300 | K0.5 K0.50 |
| K300.01 - K600 | K0.8 K0.80 |
| K600.01 - K1,200 | K1 K1 |
| K1,200.01 - K3,000 | K2 K2 |
| K3,000.01 - K5,000 | K3 K3 |
| K5,000.01 - K10,000 | K4 K4 |
| K10,000.01+ | K5 K5 |
Withdrawal Fee Tiers
| Range | Fee |
|---|---|
| K1 - K50 | K2.5 K 2.50 |
| K50.01 - K500 | K6 K 6.00 |
| K500.01 - K1,500 | K12 K 12.00 |
| K1,500.01 - K3,000 | K22 K 22.00 |
| K3,000.01 - K5,000 | K35 K 35.00 |
| K5,000.01+ | K55 K 55.00 |
Government Levies
Mobile Money Transaction Levy
Levy activeZambia'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.
Paid by sender
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Frequently Asked Questions
How much does Zamtel Kwacha charge to send money in Zambia?
Zamtel Kwacha domestic transfers are FREE in Zambia.
What are the Zamtel Kwacha withdrawal fees in Zambia?
Zamtel Kwacha withdrawal fees in Zambia are K2.5 per transaction.
Is there a government levy on Zamtel Kwacha transactions in Zambia?
Yes. Zambia applies a Mobile Money Transaction Levy on mobile money transactions.
What is the Zamtel Kwacha USSD code in Zambia?
Use the Zamtel Kwacha mobile app or visit an authorized agent in Zambia.
Is Zamtel Kwacha the cheapest mobile money provider in Zambia?
It depends on the amount. Use the MomoCalc calculator on the Zambia page to compare all providers for your specific amount.