BANK OF ZAMBIA · USD/ZMW · MID-RATE

Today's USD to Kwacha rate — straight from BoZ.

Bank of Zambia publishes the USD/ZMW mid-rate three times each business day — 09:30, 12:30, and 15:30 CAT. RentBook records the 15:30 close as the day's reference.

K18.2237 per US$1
▼ K0.0690 (-0.38%)
Captured · 17 Jul 2026 · Source: Bank of Zambia ZMW/USD mid-rate · 15:30 CAT close
See 30-day history → How USD rent is taxed
AT A GLANCE Three things to know about this rate.
3× daily, weekdays only
BoZ publishes the USD/ZMW mid-rate at 09:30, 12:30 and 15:30 CAT each business day. RentBook records the 15:30 close as the day's reference.
Weekends and public holidays carry forward the previous close.
Mid, not buy or sell
The midpoint between bid and ask — a reference rate, not a quote you can transact at.
Banks add their own spread on either side.
Cash-basis, at tax time
USD rent is converted at the BoZ rate published on the day payment was received.
Not the day the invoice was issued — the day cash landed.
30-DAY HISTORY

USD, EUR, GBP & ZAR vs the kwacha · last 30 days.

Every published BoZ mid-rate in the last 30 days. Weekend and holiday dates are absent — those days use the prior published close. The euro, pound and rand columns are BoZ daily average mid-rates — the midpoint of the published buying and selling rates. All values are kwacha per 1 unit of the named currency.

Date USD/ZMW · BoZ mid1 EUR/ZMW · BoZ avg2 GBP/ZMW · BoZ avg2 ZAR/ZMW · BoZ avg2
Fri, 17 Jul 2026 K 18.2237 — — —
Thu, 16 Jul 2026 K 18.2927 K 20.9339 K 24.6955 K 1.1025
Wed, 15 Jul 2026 K 18.2318 K 20.7999 K 24.4406 K 1.1140
Tue, 14 Jul 2026 K 18.1107 K 20.7087 K 24.2590 K 1.1068
Mon, 13 Jul 2026 K 18.0379 K 20.5689 K 24.1176 K 1.0995
Fri, 10 Jul 2026 K 18.0746 — — —
Thu, 09 Jul 2026 K 18.1057 K 20.7429 K 24.3037 K 1.1081
Wed, 08 Jul 2026 K 18.2545 K 20.8810 K 24.4709 K 1.1162
Fri, 03 Jul 2026 K 18.3325 K 20.9400 K 24.4307 K 1.1278
Thu, 02 Jul 2026 K 18.2325 K 20.8633 K 24.3724 K 1.1221
Wed, 01 Jul 2026 K 18.1807 K 20.6912 K 24.0797 K 1.1088
Tue, 30 Jun 2026 K 18.0836 K 20.6383 K 23.9427 K 1.1048
Mon, 29 Jun 2026 K 18.0754 K 20.6057 K 23.9185 K 1.0982
Fri, 26 Jun 2026 K 18.0375 K 20.5854 K 23.8217 K 1.0950
Thu, 25 Jun 2026 K 18.0048 K 20.4528 K 23.7474 K 1.0926
Wed, 24 Jun 2026 K 17.9879 K 20.3931 K 23.6713 K 1.0824
Tue, 23 Jun 2026 K 17.9696 K 20.4175 K 23.6816 K 1.0867
Mon, 22 Jun 2026 K 17.8046 K 20.3907 K 23.6164 K 1.0855
Fri, 19 Jun 2026 K 17.9193 K 20.5446 K 23.6983 K 1.0884

1 BoZ mid-rate at the 15:30 CAT close each business day.   2 Daily average of the published buying and selling rates.

LONGER VIEW

Monthly averages · last 12 months.

Arithmetic mean of each month's BoZ daily average mid-rates, for all four currencies (kwacha per 1 unit). Useful for trend — always use the daily rate for tax conversion.

Month USD/ZMW · BoZ avg EUR/ZMW · BoZ avg GBP/ZMW · BoZ avg ZAR/ZMW · BoZ avg
Jul 2026 K 18.1916 K 20.7922 K 24.3522 K 1.1117
Jun 2026 K 17.8092 K 20.5118 K 23.7465 K 1.0870
May 2026 K 18.8346 K 21.9906 K 25.4042 K 1.1431
Apr 2026 K 19.0981 K 22.3663 K 25.7259 K 1.1564
Mar 2026 K 19.2608 K 22.2644 K 25.6975 K 1.1497
Feb 2026 K 18.8944 K 22.3448 K 25.6697 K 1.1807
Jan 2026 K 20.0895 K 23.5787 K 27.1553 K 1.2333
WHY THIS PAGE EXISTS

The rate that decides what you owe.

For landlords with USD rents

Rental income is taxed in kwacha on a cash-basis. If your tenant pays US$1,200 on the 5th, the taxable amount is K21,868 — using the BoZ mid-rate published on the 5th, not the day you invoiced.

RentBook captures the rate automatically on every USD payment and locks it to the receipt. See the rental tax guide for the full mechanic.

Where this data comes from

Bank of Zambia publishes the USD/ZMW mid-rate three times each business day, at 09:30, 12:30, and 15:30 CAT. RentBook fetches the 15:30 reading and stores it as the day's close — the single reference rate used throughout the app.

Weekends and public holidays carry no fresh reading — the most recent published close applies until BoZ publishes again.

Rates are sourced directly from the Bank of Zambia. RentBook records and republishes them but is not the publisher. For transacting purposes, contact your bank for live buy/sell quotes. This page is informational only — not financial advice.