How much cash should I bring to Zambia? | Travel money tips

Would you like to think of a vacation in Zambia? The query that would cross the mind of most tourists would be: How much money will I take with me to Zambia? The response is a matter of your travel style, your destination and the length of stay. This guide will enable you on how much cash to bring and how to carry your money safely throughout your visit.

Currency in Zambia

Zambia uses the Zambian Kwacha (ZMW). An opportunity to exchange US dollars, British pounds or euros is possible in banks, exchange bureaus or hotels. Some tourist zones accept US dollars but not all. Use local currency to purchase small items, local markets and tipping.

Daily Budget Estimate

Here’s a simple breakdown to help you plan:

• Budget traveler: $40–$60 per day
  (Basic lodge, public transport, street food)
• Mid-range traveler: $100–$200 per day
  (Comfortable hotel, private taxis, restaurant meals, guided tours)
• Luxury traveler: $300–$500+ per day
  (High-end lodges, private safaris, domestic flights)

If you stay for 7–10 days, a mid-range traveler might need about $1,000 to $2,000 total, including activities and meals.

How much cash to carry?

When you enter Zambia, it is good to carry a cash amount of between 300 and 500 dollars. Use it as tips, taxis, souvenirs or emergencies. Do not carry a lot of money as a precaution measure. Most hotels, safari lodges and fine restaurants accept credit cards, especially Visa.

In order to spend in the country, you need to get Zambian Kwacha at the ATMs in big cities like Lusaka, Livingstone and Ndola. Always ensure that you inform your bank of your travel plans beforehand, failing which your card will not be accepted in foreign places.

Tips for managing money

• Separate your money: Separate it in your wallet and another bag.
• Pocket a money belt: In case of pickpockets, or when in a busy place.
• Save small notes: Good to use in tips and small stores.
• Check card fees: Some cards charge foreign transaction fees.
• Avoid black market exchanges: Only use official exchange points.

ATMs and card use in Zambia

Cities and big towns have ATMs. They give out only Zambian Kwacha. They mostly accept Visa and occasionally Mastercard. It is possible that ATMs are not accessible in remote locations or national parks, so carry sufficient cash when you are going on safari or off-grid traveling.

Final advice

What is the amount of cash you need to carry to Zambia? Take some cash in case of small payments and emergencies (approximately 300-500 dollars), and pay larger ones using ATMs or cards. Zambia can be enjoyed with a smart plan, and with no worries about money. Never forget to be alert and keep your money close.

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