Official currency: Zambian Kwacha (ZMW)

Banknotes: 10, 20, 50, 100, 500 ZMW
Coins: 1, 5, 10, 25, 50 ngwee & 5 ZMW

ATMs are widely available in cities; cash is recommended for rural areas.

Licensed banks and forex bureaux provide currency exchange services across Zambia.

Banks usually operate 09:00–15:30 on weekdays and 09:00–11:00 on Saturdays.
They are closed on Sundays and public holidays.

Zambia charges a 16% VAT on goods and services.

Foreign visitors can reclaim VAT on purchases exceeding K500 at major international airports.

Required: original tax invoices and passport for the refund.

While Zambia has no legal requirement for tipping, it is customary to leave a tip of at least 10% of your bill at restaurants and bars.

For car guards at free parking, tipping is optional but appreciated if they have looked after your car for more than 30 minutes.