> ## Documentation Index
> Fetch the complete documentation index at: https://devdraft.ai/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Local Bank Account (Zambia)

> How to send USD to a Zambian commercial bank account from Devdraft, how the exchange rate and cash-out fee work, and how to track your transfer.

# Sending Money to a Zambian Bank Account

Devdraft lets you send USD that arrives as Zambian Kwacha (ZMW) in a recipient's bank account, paid out through Devdraft's Zambia cash-out network. This guide covers choosing a recipient, entering an amount, reviewing the rate and fees, confirming, and tracking the transfer.

<Info>
  This isn't limited to a fixed list of banks. Any commercial bank operating in Zambia can receive a payout through the cash-out network — you don't need to check a bank list before sending.
</Info>

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## How Recipients Receive the Money

You send USD from your Devdraft balance. Devdraft converts it to Zambian Kwacha and deposits it straight into their bank account — the same way a regular local bank transfer would arrive.

## Sending Money

<Steps>
  <Step title="Tap Send">
    From your account home screen, tap **Send**.
  </Step>

  <Step title="Choose Bank">
    On the **Send** screen, choose how you want to send money:

    | Option | What it does |
    | - | - |
    | **Bank** | Send via bank transfer, ACH, Wire, SEPA |
    | **Mobile Money** | Send to mobile money accounts |
    | **Blockchain** | Send crypto to blockchain addresses |
    | **Devdraft User** | Send directly using an email or @tag |

    Tap **Bank**.
  </Step>

  <Step title="Choose a recipient">
    Select an existing recipient from your list, or add a new one.

    <Info>
      To add a new recipient, tap **New recipient** → **Add a bank account** and enter their bank details. Once saved, they'll appear in your recipients list for future transfers.
    </Info>
  </Step>

  <Step title="Confirm the recipient's details">
    Tapping a recipient opens their details — name, account type, and masked account number (e.g. *Bank · ...0678*). From here you can tap **Send money**, or use **Edit** / **Remove** to manage the recipient.
  </Step>

  <Step title="Enter the amount">
    Enter how much USD you want to send.

    <Warning>
      There's a minimum send amount — currently **30 USD**. Amounts below this will show *"Minimum is 30 USD"* and you won't be able to continue.
    </Warning>

    Tap **Continue** once you're happy with the amount.
  </Step>

  <Step title="Review the transfer">
    The **Review** screen shows the full breakdown before you send:

    | Field | What it shows |
    | - | - |
    | **To** | The recipient's name |
    | **You send** | The USD amount leaving your balance |
    | **Rate** | The USD-to-ZMW exchange rate applied, e.g. *1 USD ≈ 18.93 ZMW* |
    | **Cash-out fee** | The fee for converting and paying out to a Zambian bank account, shown in ZMW |
    | **Recipient gets** | The final ZMW amount the recipient will receive |
    | **Arrives** | Estimated delivery time, typically **1–3 business days** |

    A note under the breakdown confirms this explicitly: *Paid out in Zambia via the cash-out network. The rate is an estimate; the final amount is confirmed at settlement.*

    <Info>
      The rate shown is an estimate — the final ZMW amount is confirmed at settlement, since exchange rates can move slightly between review and payout.
    </Info>
  </Step>

  <Step title="Send">
    Tap **Send** to confirm the transfer.
  </Step>
</Steps>

## After You Send

You'll see an **On its way** confirmation showing the amount sent, the recipient, and the estimated arrival window. From here you can tap **Done** to return to your account.

## Tracking Your Transfer

Every transfer appears in your **Transactions** list as a **Withdrawal**, with its current status and how long ago it was sent.

Tap any transaction to open **Transaction Details**, which shows:

| Field | Notes |
| - | - |
| **Status** | e.g. Payment Submitted, Payment Success, Failed |
| **Type** | Withdrawal |
| **Date & Time** | When the transfer was initiated |
| **Currency** | The currency sent, e.g. USD |
| **Reference** | A unique transaction reference you can copy |

From this screen you can tap **View Receipt** for a downloadable record of the transaction, or **Get Help** if something looks wrong.

<Info>
  If a transfer shows as **Failed**, the funds are not deducted from your available balance — you can review the details and try again, or reach out via **Get Help** if you're unsure why it failed.
</Info>


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