Scam in ZambiaChanging money
Old banknotes given as change in Zambia
How it works
Old and rebased currency can occasionally appear in change. Zambia removed three zeros from its currency in 2013. Mixing the two can cause confusion about value; deliberate fraud is not established.
Warning signs
- Change includes unfamiliar notes.
- The denominations do not seem to match the amount owed.
How to avoid it
- Learn what current notes look like before using cash.
- Count and check your change at the counter.
- Ask for unfamiliar old notes to be replaced.
If it happens to you
Return to the counter promptly and ask for the correct change in current currency.
- Get to a safe, staffed place. Do not chase a thief or continue a threatening argument.
- Block stolen cards through your bank. If your phone is missing, secure your accounts and contact your mobile provider.
- Write down the time, place, amount lost and what happened. Save receipts, messages and booking details.
- Report theft to police if needed, especially for insurance. Ask about any requested payment and request a receipt. Give facts rather than unsupported accusations.
- Contact your insurer promptly and ask what evidence it needs. Contact your embassy or consulate if your passport was stolen.
- Keep report references and copies of all correspondence. For baggage theft, also make a report with the airline.
Questions
What is the old banknotes given as change scam in Zambia?
Old and rebased currency can occasionally appear in change. Zambia removed three zeros from its currency in 2013. Mixing the two can cause confusion about value; deliberate fraud is not established.
How can I spot it early?
Change includes unfamiliar notes. The denominations do not seem to match the amount owed.
How do I avoid old banknotes given as change in Zambia?
Learn what current notes look like before using cash. Count and check your change at the counter. Ask for unfamiliar old notes to be replaced.
What should I do if it happens to me?
Return to the counter promptly and ask for the correct change in current currency.
Where in Zambia does this happen?
Cash transactions
How common is this scam in Zambia?
Occasional. Travellers in Zambia should watch for street money-changing scams, high opening prices and pickpocketing. Other risks include unexpected currency changes on bills, demands for payment when reporting crime, and carjacking after dark. Reliable figures on how often tourists face these problems are not available.
Are there similar scams in Zambia?
Yes: street money-changing scam, poor exchange rates and commissions.
Who can I report it to?
Police: report theft and request written documentation if your insurer needs it. Assistance may be limited, and you may be asked to pay to lodge a report. Ask for an explanation and receipt. Be precise: a person accused may face harsh treatment. Card issuer or bank: use your banking app or the issuer's official contact details to freeze stolen cards and report unauthorised transactions. Travel insurer: contact the claims team promptly. Keep receipts, incident notes, police documentation and any baggage report. Embassy or consulate: use its official contact details for help with a stolen passport or emergency travel documents. Airline baggage desk: report missing baggage, damage or missing contents promptly, ideally before leaving the airport. Keep your baggage tag and request a written reference. Business manager or transport provider: for a disputed bill or fare, show the agreed price, receipt or booking details and ask for a clear explanation.
Reviewed by @snuck