Get ready for your trip to Zambia. Order your Zambian Kwacha at Manor FX today. Our great exchange rates mean you'll have more ZMW cash to spend. Have your Zambian Kwacha banknotes delivered securely to your home or office, or pick them up from the Manor FX bureau near Heathrow.
Manor FX offers fast delivery times and a fuss-free online ordering process for your Zambian kwacha travel money.
Travel advise: payments in Zambia
Jet off well-informed to Zambia. Here are some handy facts about cash and card payments in Zambia.
Paying by card in Zambia is possible in the main cities, such as in Lusaka and Livingstone. International hotels, large shopping malls, supermarkets and chain restaurants in urban areas have no problem accepting international credit card and debit card payments.
In rural areas card payments are far less widely accepted. Cash is a must-have for anyone traveling beyond the main urban areas in Zambia.
Card payments in Zambia often come with a fee of 5% to cover bank charges. Also be aware of currency conversion fees for card payments. ATM withdrawals in Zambia will incur costs including currency conversion fees. Your bank's ZMW to GBP exchange rate may be quite bad. This is how banks make money.
Before using your bank card for payments in South-Central Africa it's certainly a good idea to contact your bank. This will avoid your card becoming blocked due to international transactions that your bank may find suspicious.
We recommend that you take cash with you on your trip to Zambia. If you plan to travel beyond the main cities then you'll need cash to pay for most transactions. This includes buying fuel and paying for safari trips.
The law in Zambia states that all payments must be made in Zambian Kwacha. However US dollars are accepted in some international hotels in big cities.
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.
For a coffee in a cafe in Lusaka you'll pay around 30 ZMW. For a three-course meal in a mid-range restaurant the bill will be in the area of 200 ZMW.
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.
Banknotes in Zambia
The Zambian Kwacha was reformed in 2012. The old Kwacha (ZMK) was discontinued and the New Kwacha (ZMW) was introduced at a rate of 1 new kwacha for 1000 old kwachas, dropping three zeroes from the banknotes.
Make sure that you only accept Zambian Kwacha banknotes dated 2012 and later, and that you don't accept the high denomination banknotes of the old series (1992 to 2012). If your banknote is dated 2012 make sure that the amount on the note 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. The design is the same for all banknotes, featuring an African fish eagle on the right hand side of the note.
Coins in Zambia
Zambian coins range from 5 ngwee (0.05 ZMW) to 1 kwacha. The subunit of the kwacha is the ngwee: there are 100 ngwee in 1 kwacha.
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. But travelers must make a cash declaration if they bring currency with a value of more than $5000 US dollars, both on arrival and on leaving Zambia.
Ordering Zambian Kwacha online
Order Zambian Kwacha online and have them delivered fast and securely to your home or office, with Royal Mail Special Delivery Guaranteed®. Or pick them up from our travel money shop near Heathrow. Click here to buy Zambian Kwacha online.
Selling back Zambian Kwacha
If you have Zambian Kwacha to sell, follow this link to exchange Zambian Kwacha to Pounds, click on 'sell currency' and select 'ZMW Zambian Kwacha'. We'll pay good rates for your leftover Zambian Kwacha.