Zambia - money - Countries Guide

The Zambian currency is the Kwacha (ZMK), divided into 100 ngwee, but the coins are now worthless and seldom used. It is best to bring travellers cheques, US Dollars or Pounds Sterling which can be exchanged at the many bureaux de change found in the main towns. While most of the tourist hotels, restaurants, travel agents and larger shops, especially in Lusaka and Livingstone, accept credit cards many outlets in the rural areas do not and deal only in local currency. ATMs are available in Lusaka and some of the major towns. Banking hours vary but are usually 8.30am to 2.30pm on weekdays and mornings of the first and last Saturday of the month.