How to send money to Zimbabwe in 2026: dollars to a currency account, the Zimbabwe Gold and transfers from relatives
In 2026 two currencies circulate in Zimbabwe, the dollar and the Zimbabwe Gold, and people who left sent home $2.45 billion in 2025. We show which account to send money to in Harare, why dollars are more convenient, what details are needed without an international account number and what papers to prepare for each sum.
Money is sent to Zimbabwe in US dollars to the recipient's currency account at a bank in Harare, Bulawayo or another city. Two currencies circulate in the country, the dollar and the Zimbabwe Gold, and the recipient decides whether to keep the money in dollars or exchange it. On 8 October 2026 a dollar cost 26.7 Zimbabwe Gold on the interbank market.
| Method | What works in 2026 | Currency received |
|---|---|---|
| a transfer to a currency account | through a correspondent bank, 1-3 business days | US dollars |
| money for family from South Africa | to a bank account, rand exchanged at the bank's rate | dollars or Zimbabwe Gold |
| paying for construction, rent, studies | to the recipient's account under a contract | dollars or Zimbabwe Gold |
Checked on 9 October 2026; the rate is the Reserve Bank of Zimbabwe average interbank rate on 8 October 2026: 26.71 Zimbabwe Gold per dollar and 29.93 per euro.
The dollar and the Zimbabwe Gold: what to keep a transfer in
The Zimbabwe Gold was introduced on 5 April 2024 at 13.56 per dollar, backed by the central bank's gold and currency reserves. The interbank rate is now about 26.7, and annual inflation in it was 3.7% in September 2026, almost the same as in dollars, 3.46%. Prices in both currencies are rising slowly, and the Zimbabwe Gold rate has moved smoothly over the past year. The dollar remains legal tender: a 2023 decree allows settlements in foreign currency until the end of 2030.
The Reserve Bank promises that dollar accounts and dollar contracts will remain after the move to a single currency. So a transfer from abroad is most conveniently sent in dollars: the money stays in a currency account, and the recipient can exchange it in parts, as expenses come.
Zimbabwe has no international account number: the sender needs the currency account number, the name of the bank and branch and the bank's international code.
We will help you send money to Zimbabwe
Mistakes cost more than fees: a transfer to a local currency account instead of a currency one, rand exchanged twice, details without the bank and branch code, and a large sum with no papers on its origin. We will help you avoid them: we will choose the transfer route and currency, put together documents on the origin of the money for the bank in Harare and carry out the transfer through licensed partners through to crediting.
Details and the cost are with a manager in the chat: much depends on the amount, the currency and the purpose of the transfer.
$2.45 billion from relatives in 2025: most from South Africa and the United Kingdom
According to the Reserve Bank of Zimbabwe, people who left sent home $2.45 billion in 2025, 15.1% more than a year earlier. Another $1.7 billion or so arrived in January-July 2026: about $510 million from South Africa and $460 million from the United Kingdom.
If you help your family every month or an ordinary transfer from your country is expensive, there are more options than it seems: a manager will tell you how to send money for less.
Money from relatives goes on children's studies, building houses and small businesses, so many families keep it in a dollar account and spend it in parts. The capital is described on the Harare page.
A transfer to Zimbabwe by amount: documents for the bank
Up to $10,000. The payment purpose is enough for the bank: family support, studies, medical treatment.
$10,000-$100,000. A bank in Harare will ask for a six-month statement and a document on the money: an income certificate, a sale contract or a deed of gift. For building a house add the contract with the builder and the estimate, for studies the invoice from the school or university.
From $100,000. A package on the origin of the wealth and a purchase or construction contract are prepared; details are in proof of source of funds and moving home sale proceeds abroad, and moving capital is on the capital relocation page. Check the terms of such a transfer with a manager in advance.
From Harare to Zambia, South Africa and Mozambique
To Zambia money goes in dollars, and the recipient's bank exchanges it into kwacha. To South Africa dollars or rand are sent in 1-2 business days. To Mozambique dollars are sent, and a bank in Maputo credits them in meticais.
Sending money to neighbouring countries
- How to send money to South Africa
- How to send money to Zambia
- How to send money to Mozambique
- How to send money to Botswana
- How to send money to Namibia
- How to send money to Angola
All countries and moving capital step by step are in the capital relocation section.
FAQ
How much Zimbabwe Gold does a dollar cost in October 2026?
Until what year are settlements in dollars allowed in Zimbabwe?
How much money was sent to Zimbabwe from abroad in 2025?
Will a family in Zimbabwe receive a transfer in dollars?
We will suggest the best way to send your money
We will choose a transfer method for your amount and country, prepare the documents on the origin of the money for the bank, make the transfer through licensed partners and follow it until the money is credited. Ask your question in the chat - the manager will suggest the best terms and the cost. The legal side with banks and government bodies is handled by Murblz specialists and locally licensed partners.
Details and cost are with the manager in the chat. Describe your situation and we will reply right away.
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