Exchange Rate
The currency in Zambia is the Zambian Kwacha. 1 Zambian Kwacha (ZMW) equals about $0.06 U.S., £.04 British Pounds, and €0,05 Euros. Exchange rates are subject to fluctuations, so be sure to check this as your trip approaches.
Accommodation
A hostel or budget hotel will be around 540 ZMW a night ($30, £25, €28). A mid-range hotel should be about 1440 ZMW a night ($80, £65, €75), and there are vacation homes near Victoria Falls and larger cities, which average about 1350-1800 ZMW a night ($75-100, £60-85, €70-95).
As a general rule of thumb, you should plan on spending a minimum of $1,000 US per night per person at an all-inclusive safari lodge
This number might give you sticker shock, but let’s break down what this covers: all food, lodging, drinks, activities, guides, transfers, and conservation fees. So the only additional costs would be your flights and tips.
You get what you pay for on safari, so don’t skimp!
Food
Lunch in a casual restaurant is around 90 ZMW ($5, £4, €4,50). Local beer or a glass of wine will be about 35 ZMW ($2, £1.50, €1,80). A nice dinner will be about 540 ZMW ($30, £25, €28), and a fine dining meal with drinks will start at 1440 ZMW ($80, £65, €75) and go up from there.
Tap water is not consistently drinkable in Zambia, so only refill your water bottles with water provided by your accommodation or restaurants.
All-Inclusive vs. A La Carte at Safari Lodges
While all-inclusive resorts can be a budgeting mistake for some types of trips, this isn’t the case with an African safari. There is very little you can do on your own on a safari, and even if you did pay for things à la carte – it will add up to around the same price.
I’ve consistently found it’s better and often more economical to go all-inclusive.
The one exception is if you’re road-tripping and only spending one or two nights at each stop. In this case, an à la carte or half-board rate might be a better financial choice.
If you’re driving and guiding yourself, you don’t want to pay as if you were using a safari lodge’s vehicles and guides. And if you’re moving accommodations every other day, chances are you’ll be eating some of your meals on the road, so an all-inclusive rate could mean you’d be paying for meals you won’t get to eat.
Transportation
A one-way bus trip between cities averages 360 ZMW ($20, £16, €18). A city taxi will charge a 90 ZMW flat fee ($5, £4, €4,50) and $25 ZMW per kilometer ($1.50, £1.15, €1,30). Renting a car (not including gas) will cost around 900 ZMW a day ($50, £40, €45), and hiring a car and driver will start at about 5400 ZMW per day ($300, £250, €280).
Uber and Lyft don’t operate in Zambia.
Other Expenses
Haggling is expected in markets. Most vendors start with inflated prices expecting tourists to negotiate a lower price.
ATMs and currency exchange outlets can be found at airports and in larger cities, but ATMs are few and far between in the rest of the country. Some restaurants and hotels take credit cards, but cash is the preferred form of payment, even at high-end safari lodges. So always plan on having plenty of cash with you.
Cash is the best (and sometimes the only) way to pay for permits/visas at the border. You’ll need to purchase a visa to enter Zambia when you arrive in the country – this goes for flights and land border crossings.
If you’re going to visit the Zimbabwe side of Victoria Falls and cross back into Zambia, you want to get the KAZA UniVisa visa, which allows you to cross both borders and move between both sides of the falls. Purchasing this visa will save you money, and you won’t have to wait in line to cross over to the other side of the falls.
Tipping
Restaurants: 10% of the bill (always check to see if this is automatically included in the check).
Hotel & Safari Lodge Staff (Servers, Housekeepers, etc.): 270 ZMW per day per guest ($15, £12, €14).
Safari Guides & Trackers: 360 ZMW per guest per day for a guide ($20, £16, €18) and 180 ZMW per guest per day for a tracker ($10, £8, €9). If you have different guides and trackers during your stay at a safari lodge, make sure to note your staff’s names.
Tour Guides & Drivers (not at camps or lodges): 180 ZMW per guest for a half-day ($10, £8, €9), 360 ZMW for a full day ($20, £16, €18).
Airport & Hotel Porters: 90 ZMW per bag ($5, £4, €4,50).
Hired Guide & Driver for Your Entire Trip: 360 ZMW per day per guest ($20, £16, €18).