How to Receive Money from Overseas in Zimbabwe (2025 Guide)

Receiving money from family and friends in the diaspora is a vital part of the Zimbabwean economy. The process is usually simple and secure, provided you have the correct information and documents.

Step 1: Get the Transaction Details from the Sender

The person sending you money must provide you with the following key details after they have completed the transaction:

• The Reference Number: This is the most important piece of information. It's often called a "transaction number," "order number," or "PIN."
• The Sender's Full Name and Country: You will need to confirm who sent the money.
• The Exact Amount Sent: Knowing the amount helps with verification.
• Which Money Transfer Agent (MTA) was used: Did they use Mukuru, WorldRemit, Western Union, etc.? You can only collect from an agent of that specific company.

Step 2: Find a Collection Point

Money Transfer Agents partner with local businesses to provide cash pickup points. These are commonly found in:

• Banks: Many commercial banks host counters for various MTAs.
• Supermarkets: Large chains like OK, Pick n Pay, and TM are popular collection points.
• Dedicated Kiosks: The MTA may have its own branded offices or kiosks.

The sender can usually provide a list of available pickup locations in your city or town.

Step 3: Collect Your Cash

1. Bring Your ID: You MUST have your original National ID card or a valid passport. Photocopies are not accepted. The name on your ID must exactly match the name the sender used for the recipient.
2. Provide the Details: At the counter, you will provide the teller with the transaction reference number and show them your ID.
3. Complete a Form: You will be given a simple form to fill out, where you write the reference number, sender's details, and sign.
4. Receive Your Money: The teller will verify the details and give you your cash (almost always in USD). Count it before you leave the counter.