Kwacha (ZMK) = 100 ngwee. Notes are in denominations of ZMK50,000, 20,000, 10,000, 5,000, 1,000, 500, 100 and 50. Coins are in denominations of ZMK1, and 50, 20, 10, 5, 2 and 1 ngwee.

Exchange of foreign currency is carried out at authorised banks and bureaux de change.

Most hotels, restaurants, travel agents and bigger shops accept credit cards. ATMs are available within Lusaka and some of the major towns in Zambia. Standard Chartered and Barclays Bank have ATMs which accept Visa.

Widely accepted. To avoid additional exchange rate charges, travellers are advised to take traveller’s cheques in US Dollars, Euros or Pounds Sterling.

Vary from bank to bank, but most are open Mon-Fri 0815-1430. Some banks are open 0815-1030 on the first and last Saturday of the month.

Date	Apr 07
£1.00=	ZMK8,376.47
$1.00=	ZMK4,239.70
Eur;1.00=	ZMK5,665.12

The following items may be imported into Zambia by persons over 18 years without incurring customs duty:

• 200 cigarettes or 450g of tobacco.
• One opened bottle of alcoholic beverages.