Best USD to ZMW Exchange Rate Today
Compare USD to ZMW exchange rates and see the estimated kwacha your recipient gets from each provider CheckRate tracks on this route. Rates are collected through the day; the provider's app shows the final amount before you pay.
USD →ZMW
Amount: 100 USD · 2 providers compared
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CheckRate compares rates only. Click a provider to send money on their platform. Rates are the latest checked and may have changed since. Always confirm the final amount on the provider's app before sending.
USD to ZMW Rate History
The highest rate CheckRate recorded each day among the providers we track. Wise is not included, because it charges its fee separately.
Latest highest rate (18 Oct): 19.4100 ZMW per USD , 4.3% above the 90-day average of 18.6027.
- 90-day high
- 19.4300 on 16 Oct
- 90-day low
- 18.0000 on 26 Jul
- Days with recorded rates
- 50 of the last 90
Each point is the highest of the providers' average rates for that day (UTC), Wise excluded. Breaks in the line are days when no rates were recorded; nothing is estimated to fill them. Past rates do not predict future rates.
View these figures as a table
| Day | Best rate (ZMW per USD) | Providers recorded |
|---|---|---|
| 18 Oct | 19.4100 | 2 |
| 17 Oct | 19.4100 | 2 |
| 16 Oct | 19.4300 | 2 |
| 15 Oct | 19.3825 | 2 |
| 14 Oct | 19.3422 | 2 |
| 13 Oct | 19.3282 | 2 |
| 12 Oct | 19.3167 | 2 |
| 11 Oct | 19.2900 | 2 |
| 10 Oct | 19.2900 | 2 |
| 9 Oct | 19.3042 | 2 |
| 8 Oct | 19.3300 | 2 |
| 7 Oct | 19.2756 | 2 |
| 6 Oct | 19.2164 | 2 |
| 5 Oct | 19.1371 | 2 |
| 4 Oct | 19.0800 | 2 |
| 3 Oct | 19.0800 | 2 |
| 31 Aug | 18.5000 | 2 |
| 30 Aug | 18.5000 | 2 |
| 29 Aug | 18.5000 | 2 |
| 28 Aug | 18.4754 | 2 |
| 27 Aug | 18.4814 | 2 |
| 26 Aug | 18.4840 | 2 |
| 25 Aug | 18.4994 | 2 |
| 24 Aug | 18.4400 | 2 |
| 23 Aug | 18.4000 | 2 |
| 22 Aug | 18.4000 | 2 |
| 21 Aug | 18.3775 | 2 |
| 20 Aug | 18.2654 | 2 |
| 19 Aug | 18.2047 | 2 |
| 18 Aug | 18.2418 | 2 |
| 17 Aug | 18.2972 | 2 |
| 16 Aug | 18.3000 | 2 |
| 15 Aug | 18.3000 | 2 |
| 14 Aug | 18.2472 | 2 |
| 13 Aug | 18.2480 | 2 |
| 12 Aug | 18.2333 | 2 |
| 11 Aug | 18.1747 | 2 |
| 10 Aug | 18.1944 | 2 |
| 9 Aug | 18.2900 | 2 |
| 8 Aug | 18.2900 | 2 |
| 7 Aug | 18.3667 | 2 |
| 3 Aug | 18.2700 | 2 |
| 2 Aug | 18.2700 | 2 |
| 1 Aug | 18.2700 | 2 |
| 31 Jul | 18.2465 | 2 |
| 30 Jul | 18.1974 | 2 |
| 29 Jul | 18.1918 | 2 |
| 28 Jul | 18.1169 | 2 |
| 27 Jul | 18.0450 | 2 |
| 26 Jul | 18.0000 | 2 |
USD to ZMW: What Our Records Show
CheckRate does not have enough history on USD to ZMW for a fair summary yet. We only summarise days on which at least three providers, not counting Wise, had a recorded rate. The providers with a recent rate on this route are Remitly and Taptap Send.
Use the comparison table above for today's figures, and check the amount in the provider's app before you pay.
More on how CheckRate collects and checks rates is on the methodology page.
Quick Tips
- 1Always compare the estimated receive amount, not just the headline rate.
- 2Rates change daily. The best provider today may not be best tomorrow.
- 3Check how you will pay: some providers charge differently for card and bank payments, and the app shows this before you confirm.
- 4Check the recipient's details, such as the account number, before you send. A transfer to the wrong account can be hard to reverse.
Rates shown are the latest checked by CheckRate. Not guaranteed final transfer amounts. Always confirm on the provider's platform before sending.
Frequently Asked Questions: USD to ZMW
Which providers does CheckRate compare for USD to ZMW?
The comparison currently shows Remitly and Taptap Send. A provider appears when its rate for this route has been collected within the last day, so the list can change. CheckRate is not paid by these providers.
Does the table include fees?
Yes. Each row shows the fee CheckRate has on record and the estimated amount received after that fee. In the latest records for this route, Taptap Send showed no transfer fee, and these fees were on record: Remitly 2.99 USD. Fees can depend on the amount and how you pay, so the final figure is the one the provider shows before you confirm.
How can I check a provider is licensed to send money from the United States?
US money transmitters register with FinCEN and need a licence in each state they serve, which you can check on NMLS Consumer Access. When we checked (9 to 11 October 2026): Remitly, Inc. is listed in FinCEN's money services business search; TapTap Send Payments Co. (NMLS 2108069) showed 48 active state licences or registrations. Under the CFPB Remittance Rule you can usually cancel within 30 minutes for free, unless the money has already been picked up or deposited, and you have 180 days to report an error.
Does the US remittance tax apply to this transfer?
Only if you pay in cash or a similar physical instrument. The 1% federal remittance transfer tax that started on 1 January 2026 applies, according to IRS Notice 2025-55, only to transfers funded with cash, a money order, a cashier's check or a similar physical instrument. Proposed regulations published in April 2026 exclude transfers paid from a bank account or with a US-issued debit or credit card.