In this article, you'll find out if Wise works in Zambia, some drawbacks if it is available, and some possibilities. Stay tuned to learn more about Wise's services in Zambia.
Does Wise Work In Zambia?

Wise services are available in Zambia, allowing users to send money to the country in Zambian Kwacha (ZMW). This functionality makes it easier for individuals and businesses to manage international transactions involving Zambia.
While the webpage does not provide specific details about additional functionalities or regional restrictions, the availability of ZMW transfers indicates that Wise supports financial activities in Zambia. Users can benefit from Wise's low fees and transparent exchange rates when sending money to Zambia.
Fees and Charges for Using Wise in Zambia
Here are some general costs that users might encounter when using Wise in Zambia:
- Transaction fees: Wise typically charges a small, fixed fee for each transaction. This fee can vary depending on the amount being sent and the destination country.
- Currency conversion fees: When converting from one currency to another, Wise applies a conversion fee. This fee is usually a percentage of the amount being converted and is often lower than traditional banks.
- Withdrawal fees: If you need to withdraw money from your Wise account to a local bank account in Zambia, there may be a fee associated with this service. The fee can depend on the withdrawal method and the amount being withdrawn.
Is Wise the Best Option in Zambia?
Even though Wise is available in Zambia, it might not be the best option for users due to certain limitations and restrictions.
- Limited local support: Wise may not offer extensive customer support in Zambia.
- Withdrawal delays: Transferring funds to local banks might take longer than expected.
- Currency conversion fees: These fees, while lower than banks, can still add up.
- Transaction limits: There may be caps on the amount you can send or receive.
- Service availability: Some Wise services might not be fully available in Zambia.
Alternatives to Wise in Zambia
1) OneSafe

OneSafe is a leading alternative payment solution in Zambia, offering a seamless and user-friendly experience. With lower fees, efficient customer support, and a straightforward onboarding process, OneSafe stands out as a superior option for managing global payments and financial operations.
OneSafe Reviews
OneSafe has received positive feedback from users who appreciate its innovative services and quick registration process. Users have highlighted the company's ability to handle both fiat and crypto transactions efficiently. Additionally, OneSafe's support for ACH, wire deposits, and virtual cards has been praised, making it a preferred choice for tech-oriented entrepreneurs and businesses.
2) Paypal

PayPal offers a secure and versatile payment solution in Zambia, allowing users to send and receive money globally. Key features include encrypted transactions, flexible payment plans, and a comprehensive mobile app for managing finances. These benefits make PayPal a reliable option for both personal and business financial needs.
Paypal Reviews
PayPal has an overall rating of 4.4 out of 5 stars based on user reviews. Users generally mention high transaction fees and issues with customer support, including slow responses and generic answers. Some users also report account verification delays and fund holding, as well as a lengthy dispute resolution process and inaccurate exchange rates.
Check out more PayPal reviews here.
3) Google Pay

Google Pay offers a convenient payment solution in Zambia, enabling users to make secure transactions with ease. Key features include contactless payments, integration with various bank accounts, and a user-friendly mobile app. These benefits make Google Pay a practical choice for managing everyday financial activities.
Google Pay Reviews
Google Pay has a rating of 4.6 out of 5 stars based on 211 reviews. Users generally mention occasional issues with payments getting stuck, connectivity problems, delays in customer support, and limited acceptance by all merchants.
Check out more Google Pay reviews here.
Frequently Asked Questions about Wise in Zambia
Can I send money from Zambia using Wise?
Yes, you can send money from Zambia to various countries using Wise's services.
What currencies can I send to Zambia with Wise?
You can send money to Zambia in Zambian Kwacha (ZMW) using Wise.
How long do Wise transfers to Zambia take?
Transfers to Zambia typically take 1-2 business days, depending on the transfer method.
Are there any limits on Wise transactions in Zambia?
Yes, Wise may impose limits on the amount you can send or receive in Zambia.
Does Wise offer customer support in Zambia?
Wise offers limited customer support in Zambia, primarily through online resources and email.
Begin Your Journey with OneSafe Today!
Choosing the right payment solution in Zambia is crucial for efficient financial management. While Wise offers some services, alternatives like OneSafe provide superior features and support. Explore OneSafe for a seamless experience in global payments and financial operations. Sign up to OneSafe today!