Cash pickup
Cash pickup at an agreed payout point.
Availability is confirmed in the request
Currency exchange in Zambia
18.88 ZMWper 1 USDT−0.4% over 24hCalculation refreshed today at 08:111 USDT = 18.88 ZMWOfficial rate; the final rate in the request may differ.
Zambia - Victoria Falls, safaris, and copper mining regions - uses ZMW currency. Russian bank cards do not work here, and ATMs are oriented toward other international networks. ATM24 lets you get ZMW cash or by bank transfer with the rate locked before payment.
ZMW rate today
Rates come from the calculator at page-load time. Trends use market history as of 14 October 2026.
| Currency | Rate for 1 | 24h change | Trend |
|---|---|---|---|
| RUBRussian ruble | 0.2093ZMW | 0.3% | |
| USDUS dollar | 18.88ZMW | 0.2% | |
| EUREuro | 20.83ZMW | 0.0% | |
| USDTTether | 18.88ZMW | 0.4% |
Ways to receive funds — Zambia
Available methods depend on the selected direction and amount.
Cash pickup at office
Cash pickup in ZMW at an ATM24 office; availability for Zambia is confirmed in the request.
09:00–21:00
To a bank account
USDT TRC20 -> ZMW bank transfer (confirm availability when submitting your request).
How to submit a ZMW exchange request for Zambia
A calculation and request for the selected pair; available methods depend on the direction.
Step Currency and method selection
Fill in the calculator data. Choose the currency and a convenient way to receive funds.
Step Contact details
Enter your contact details, click “Start transfer”, and wait for an operator response.
Step Confirmation
After confirmation and payment, we send money to Zambia using the selected method.
How to get ZMW before your trip to Zambia
A short practical guide for a first visit.
The Mir card in Zambia is not a reliable way to withdraw ZMW.
Zambia is a popular destination for safaris and visiting Victoria Falls. ZMW cash is needed for transport, markets, local services, and transfers. ATM24 lets you get Zambian kwacha before leaving Russia.
Cash at the office in Russia or bank transfer
Four routes are available: USDT TRC20 -> ZMW cash; USDT TRC20 -> ZMW bank transfer (confirm availability when submitting your request); RUB wire transfer -> ZMW cash; RUB SBP/QR -> ZMW cash. Choose a convenient option and lock the rate before payment.
Fee for smaller exchange amounts
Fee from 0.9%. The ZMW final amount matters more than a separate percentage - check the amount you receive in the ATM24 calculator.
Cities in Zambia
Listed on the page: Lusaka, Kitwe, Ndola, Kabwe, Chingola. Specify convenient method and receipt details when submitting your request.
Exchange money in other cities of Zambia
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Payout points on the map
Cash payout points with addresses and opening hours
Zambia · Listed locations: 10
Find a convenient payout point
Open the map to see the locations.
Open Google MapsPayout points — Zambia
- ECOBANK WOODLANDS BRANCH · Lusaka
Plot No 2331 Woodlands Shopping, CENTRE, Lusaka, 10101
Mon-Fri 08:15 - 16:00; Sat 08:15 - 12:00; Sun Closed
- POSTDOTNET OXFORD · Kitwe
Plot No. 11 Solidarity House, TOWN CENTER, Kitwe, COPPERBELT, 10101
Mon-Fri 08:00 - 17:00; Sat 09:00 - 13:00; Sun Closed
- CACTUS FINANCIAL SERVICES JACARANDA · Ndola
Jacaranda Mall, CORNERKABWE ROAD MUSHILI STREE, Ndola, COPPERBELT, 10101
Mon-Fri 08:00 - 18:00; Sat 08:00 - 13:00; Sun Closed
More locations: 7
- CACTUS FINANCIAL KABWE SHOPPING MALL · Kabwe
Shop No. 17, NEAR MULUNGUSHI TEXTILE, Kabwe, CENTRAL, 10101
Mon-Fri 08:00 - 19:00; Sat 08:00 - 18:00; Sun 08:00 - 15:00
- POSTNET CHINGOLA · Chingola
Shop 4 The Park Mall, KABUNGI ROAD, Chingola, COPPERBELT, 10101
Mon-Fri 08:30 - 17:00; Sat 09:00 - 13:00; Sun Closed
- MUKURU - LUSAKA · Lusaka
MARAPODI MAIN MARKET AREA MARAPODI MANDEBVU, LUSAKA
Mon-Sun 08:00 - 17:00
- INSTAPAY AFRICORP LIMITED - KITWE - KITW · Kitwe
ECL MALL, 40 D SHOP NO:, KITWE, 10101
Mon-Fri 08:30 - 19:30; Sat 09:00 - 18:00; Sun 09:00 - 14:00
- UNITED BANK FOR AFRICA - NDOLA · Ndola
ZMART MALL INDEPENDENCE AVENUE, 4275 STAND, NDOLA, COPPERBELT, 10101
Mon-Fri 08:00 - 16:00; Sat 09:00 - 13:00; Sun 09:00 - 16:30
- FINANCE BANK - KABWE · Kabwe
P.O. BOX 80933, KABWE, 10101
Mon-Fri 08:00 - 16:00; Sat 08:00 - 11:00; Sun Closed
- MUKURU - COPPERBELT · Chingola
OPPOSITE THE PARK MALL, CHINGOLA
Mon-Sun 08:00 - 17:00
Directory data as of 2026-08-26
Routes and options for Zambia
Zanaco
Stanbic Bank Zambia
Absa Bank Zambia
FNB Zambia
Access Bank Zambia
Customer reviews
Real stories from real people
Павел Селантьев
The rate is very unfavorable. Our flight to Sharjah was delayed, and there were no dirhams. There were no other options, Catherine the manager handled everything quickly, despite the early morning.
Read full reviewМаксим Иванов
A wonderful girl, Sofa, helped us promptly and without stress to withdraw cash from an ATM via QR code!!! Perfect!
Read full reviewРадик Ралик
Yandex
In Thai they give the most favorable rate! Sofa well done ! All the best)
Read full reviewАлексей «L_I_A_R»
Trustpilot
Excellent service! I needed to withdraw or transfer a large amount in baht, but I only had rubles. Found these guys on Google and did the deal online on full trust. Everything went wonderfully! Manager Alisa helped me, many thanks to her and the whole team 🫶🏻
Read full reviewСергей Кузнецов
Fast, without delays, reliable. Stanislav's work is top-notch. Best recommendations!
Read full reviewМария Очирова
The deal went quickly, delivery right to the hotel, very high customer focus from manager Stanislav, thank you!
Read full reviewВаня Листвягов
Trustpilot
Worked with manager Egor, everything was clear!!! The courier brought the money to the hotel at the appointed time!!!
Read full reviewМария Торкунова
They did everything very clearly and quickly: delivered right to Dubai Mall, as I requested, at a reasonable rate. They also reply in chat immediately and everything is great! Thanks!
Read full reviewWhy ATM24 for currency exchange in Zambia
What we guarantee on every deal in Zambia
The rate is fixed before you pay
The final payout amount in ZMW is known before payment and does not change.
Rate at confirmation18.88 ZMW
Held for 14 min 52 sec
We confirm the rate and the payout amount before payment — they do not change afterwards.
Payout on the day of the request
Cash, courier or bank account — at the agreed payout point.
- Request accepted
- Payment received
- Preparing the payout
- Payout at the agreed point
We work with any bank
We accept from Russia and pay out in the local currency, including USDT — no Mir card required.
- We accept
- RUB · USDT
- We pay out
- ZMW
- Payout cities
- 5
We accept from Russia
- Russian ruble · RUB
- Tether · USDT
We pay out in Zambia
- ZMW
No Mir card is required for this.
Currency exchange in other countries
Pick a country and you get its rate, its cities and its payout methods.
- ThailandTHB
- United Arab EmiratesAED
- TurkeyTRY
- IndonesiaIDR
- VietnamVND
- ChinaCNY
- KenyaKES
- GermanyEUR
- KazakhstanKZT
All countries200+ countries
Country not found
- AfghanistanAFN
- AlbaniaALL
- Algeria
- AndorraEUR
- AngolaAOA
- AnguillaXCD
- Antigua and BarbudaXCD
- ArgentinaARS
- ArmeniaAMD
- Aruba
- AustraliaAUD
- AustriaEUR
- AzerbaijanAZN
- BahamasBSD
- BahrainBHD
- BangladeshBDT
- BarbadosBBD
- BelgiumEUR
- BelizeBZD
- BeninXOF
- BermudaBMD
- BhutanBTN
- BoliviaBOB
- Bosnia and HerzegovinaBAM
- BotswanaBWP
- BrazilBRL
- British Virgin IslandsUSD
- BruneiBND
- BulgariaEUR
- Burkina FasoXOF
- BurundiBIF
- Cabo VerdeCVE
- CambodiaKHR
- CameroonXAF
- CanadaCAD
- Cayman IslandsKYD
- Central African RepublicXAF
- ChadXAF
- ChileCLP
- ChinaCNY
- ColombiaCOP
- ComorosKMF
- CongoXAF
- Cook IslandsNZD
- Costa RicaCRC
- Cote d'IvoireXOF
- CroatiaEUR
- CuracaoXCG
- CyprusEUR
- CzechiaCZK
- DenmarkDKK
- DjiboutiDJF
- DominicaXCD
- Dominican RepublicDOP
- DR CongoCDF
- EcuadorUSD
- EgyptEGP
- El SalvadorUSD
- Equatorial GuineaXAF
- EritreaERN
- EstoniaEUR
- EswatiniSZL
- EthiopiaETB
- Falkland IslandsFKP
- FijiFJD
- FinlandEUR
- FranceEUR
- French GuianaEUR
- French PolynesiaXPF
- GabonXAF
- GambiaGMD
- GeorgiaGEL
- GermanyEUR
- GhanaGHS
- Gibraltar
- GreeceEUR
- GrenadaXCD
- GuadeloupeEUR
- GuatemalaGTQ
- GuineaGNF
- Guinea-BissauXOF
- GuyanaGYD
- HaitiHTG
- HondurasHNL
- Hong KongHKD
- HungaryHUF
- IcelandISK
- IndiaINR
- IndonesiaIDR
- IraqIQD
- IrelandEUR
- IsraelILS
- ItalyEUR
- JamaicaJMD
- JapanJPY
- JordanJOD
- KazakhstanKZT
- KenyaKES
- KosovoEUR
- KuwaitKWD
- KyrgyzstanKGS
- LaosLAK
- LatviaEUR
- LebanonLBP
- LesothoZAR
- LiberiaLRD
- LiechtensteinCHF
- LithuaniaEUR
- LuxembourgEUR
- MacaoMOP
- MadagascarMGA
- MalawiMWK
- MalaysiaMYR
- MaldivesMVR
- MaliXOF
- MaltaEUR
- Marshall IslandsUSD
- MartiniqueEUR
- MauritaniaMRU
- MauritiusMUR
- MayotteEUR
- MexicoMXN
- MicronesiaUSD
- MoldovaMDL
- MonacoEUR
- MongoliaMNT
- MontenegroEUR
- MontserratXCD
- MoroccoMAD
- MozambiqueMZN
- MyanmarMMK
- Namibia
- NauruAUD
- NepalNPR
- NetherlandsEUR
- New ZealandNZD
- NicaraguaNIO
- NigerXOF
- NigeriaNGN
- NiueNZD
- North MacedoniaMKD
- Northern CyprusTRY
- NorwayNOK
- OmanOMR
- PakistanPKR
- PalauUSD
- PalestineILS
- PanamaPAB
- Papua New GuineaPGK
- ParaguayPYG
- PeruPEN
- PhilippinesPHP
- PolandPLN
- PortugalEUR
- QatarQAR
- ReunionEUR
- RomaniaRON
- RussiaRUB
- RwandaRWF
- Saint BarthelemyEUR
- Saint Kitts and NevisXCD
- Saint LuciaXCD
- Saint MartinEUR
- Saint Vincent and the GrenadinesXCD
- SamoaWST
- San MarinoEUR
- Sao Tome and PrincipeSTN
- Saudi ArabiaSAR
- SenegalXOF
- SerbiaRSD
- SeychellesSCR
- Sierra LeoneSLE
- SingaporeSGD
- Sint MaartenXCG
- SlovakiaEUR
- SloveniaEUR
- Solomon IslandsSBD
- SomaliaSOS
- SomalilandSOS
- South AfricaZAR
- South KoreaKRW
- South SudanSSP
- SpainEUR
- Sri LankaLKR
- SudanSDG
- SurinameSRD
- SwedenSEK
- SwitzerlandCHF
- Taiwan
- TajikistanTJS
- TanzaniaTZS
- ThailandTHB
- TogoXOF
- TongaTOP
- Trinidad and TobagoTTD
- TunisiaTND
- TurkeyTRY
- TurkmenistanTMT
- Turks and Caicos IslandsUSD
- TuvaluAUD
- UgandaUGX
- United Arab EmiratesAED
- United KingdomGBP
- UruguayUYU
- UzbekistanUZS
- VanuatuVUV
- VenezuelaVES
- VietnamVND
- Yemen
- ZimbabweUSD
Frequently asked questions about currency exchange in Zambia
What is the ZMW rate today?
The ZMW rate is updated daily. For reference, check the live calculation: 100 USDT -> ZMW: 1,887.8 ZMW.
Does the Mir card work in Zambia?
The Mir card is not a reliable way to withdraw ZMW. ATMs in Lusaka and Livingstone are available but oriented toward other international networks. For Victoria Falls routes prepare ZMW cash in advance.
Can you pay in dollars or euros in Zambia?
USD can be useful for tourist services, but everyday expenses are more convenient in ZMW: transport, markets, food. For Lusaka and Livingstone compare the ZMW final amount.
Is ZMW cash needed in Zambia?
Yes - ZMW cash is needed for first expenses after arrival: taxis, communication, markets, and accommodation deposit. Cash is mandatory on tourist routes.
How to pay for accommodation in cash in Zambia?
For accommodation in Lusaka or Livingstone it is better to agree in advance: price, deposit, payment currency, and payment confirmation. If the amount is quoted in USD, check the ZMW conversion in advance.
Did not find an answer?
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