Transparent by design
A flat K20 on a K10,000 transfer.
While mobile-money operators charge K60+ for K10,000, our policy caps the fee at K20 — always. Small transfers stay small.
KwachaPE
K20
flat, up to K10,000
Others
K60+
typical MoMo charge
Launching in Lusaka · Kitwe · Ndola
The New Gold Standard of Zambian Payments
Pay bills, transfer to any bank or mobile wallet, and settle statutory obligations in seconds — with a flat K20 fee on large transfers. No percentages. No surprises.
Universal
Bill Pay
ZRAZESNHINAPH₂O
100%
Zambian owned
Every Zambian bill
- Ready
ZRA
Tax & TPIN
- Ready
NAPSA
Pension
- Ready
NHIMA
Health
- Ready
ZESCO
Electricity
- Ready
WATER
LWSC & co.
- Ready
AIRTIME
All networks
One wallet.
Banks and mobile money in a single balance.
Scan to pay.
Instant merchant QR at every corner shop.
Bank-grade.
4-digit PIN, biometrics, encrypted ledger.
AI-guarded.
Fraud & anomaly detection on every transfer.
Powering connections
MTN MoMoAirtel MoneyZamtel KwachaZanacoStanbicFNBAbsaIndo ZambiaMTN MoMoAirtel MoneyZamtel KwachaZanacoStanbicFNBAbsaIndo Zambia
International transfers · Powered by Western Union
Send Kwacha to 200+ countries in minutes.
From your KwachaPE wallet straight to a bank account, mobile wallet or cash pickup on the Western Union network — no branch queues, no paperwork, no guesswork on the rate.
200+
Countries
Minutes
Delivery
Locked
FX rate
Send abroad Western Union® is a partner brand · logos used with permission at launch
KwachaPE × Western Union
Payout partner
Send preview
K 1,000
Lusaka · ZMW
₹ 5,120
Mumbai · INR
- Rate
- 1 ZMW = 5.12 INR
- Fee
- K 20.00 flat
- Arrives
- In minutes
🇮🇳 India🇺🇸 USA🇬🇧 UK🇮🇳 India🇿🇦 South Africa🇦🇪 UAE🇨🇳 China🇰🇪 Kenya🇨🇦 Canada🇦🇺 Australia🇮🇳 India🇺🇸 USA🇬🇧 UK🇮🇳 India🇿🇦 South Africa🇦🇪 UAE🇨🇳 China🇰🇪 Kenya🇨🇦 Canada🇦🇺 Australia
KwachaPE × India rails
UPI · IMPS · Wallets
UPI
@handle
PhonePe
Wallet
Paytm
Wallet
Google Pay
GPay IN
BHIM
NPCI
Amazon Pay
Wallet
UPI preview
K 500
Lusaka
₹ 1,562
priya@okhdfcbank
India corridor · UPI native
Pay any Indian wallet straight from Kwacha.
Type a UPI ID, scan a QR at a Mumbai chai stall, or top up PhonePe, Paytm, Google Pay and BHIM in seconds. Settled on NPCI rails at the mid-market rate — no correspondent bank surprises.
UPI · IMPS
Rail
< 30s
Settle
Mid-market
FX
Send to India UPI, PhonePe, Paytm, GPay, BHIM · brand names shown for context
Priority access
Money moves faster in Kwacha.
Join the waitlist and be first to try KwachaPE when we open in Lusaka, Kitwe and Ndola.
Lusaka · Kitwe · Ndola