Formal:
* Kwaheri (literally "goodbye") - This is the most common and versatile way to say "regards" in a formal setting.
* Heri (literally "well-being") - This is a more polite and respectful way to say "regards" in a formal setting.
* Salamu (literally "greetings") - This can also be used in a formal setting, but it's more common to say "regards" to someone you know well.
Informal:
* Habari (literally "news") - This is a casual way to say "regards" to someone you know well.
* Shikamoo (literally "I salute you") - This is a respectful way to greet someone older than you, but it can also be used as a way to say "regards."
When writing:
* Na heri (literally "with well-being") - This is a common way to end a letter or email in Swahili.
* Kwaheri na heri (literally "goodbye with well-being") - This is another way to end a letter or email in Swahili.
Ultimately, the best way to say "regards" in Swahili will depend on the specific context and your relationship with the person you are speaking to.