If you're in Zambia, you can use Mukuru to send money to many countries across Africa, Asia, and Europe. Some of the main countries include South Africa, Malawi, Zimbabwe, Botswana, Kenya, Nigeria, Ghana, India, and the UK. You can send money using WhatsApp, USSD (*855#), or by visiting a Mukuru branch or agent. The person you’re sending to can get the money as cash, in their mobile wallet, or directly into their bank account—depending on what’s available in their country.