Zamtel

Driving Financial Inclusion and Digital Payments in Zambia
Zamtel Kwacha is a pioneering mobile money service from Zambia’s leading telecom provider, Zamtel. It enables users to perform mobile payments, transfer funds, and access vital financial services, helping to increase financial accessibility and support the country’s digital economy growth.
Country:
Zambia
Population (Zambia)
19.6 million (estimated)
Number of Internet users
6.4 million (estimated)
Popular payment methods
Mobile money, Bank transfers, Cash payments
Credit Card
0%
Debit Card
0%
E-Wallets
0%
Cash Payments
0%
Bank Transfers
0%
Other
0%

Type:

Mobile Money Platform

Total Customers:

6.7 million (estimated)

Currency:

Zambian Kwacha (ZMW)

Money transfer volume:

> 100 million transactions

Coverage:

75% (estimated)

Refunds:

Yes, limited by policy

Chargebacks:

No

Type:

Mobile Money Platform

Total Customers:

6.7 million (estimated)

Currency:

Zambian Kwacha (ZMW)

Money transfer volume:

> 100 million transactions

Coverage:

75% (estimated)

Refunds:

Yes, limited by policy

Chargebacks:

No

About payment system

Zamtel Kwacha goes beyond being just a mobile payment platform—it serves as a holistic financial tool that enables users to manage their money and access vital services seamlessly. Through mobile wallets linked to the platform, users can carry out payments, transfer funds, and handle a wide array of financial transactions using their phones. In addition to core services, Zamtel Kwacha allows users to pay utility bills, top up mobile airtime, access microloans, and conduct other essential activities. This multi-functional approach makes it a practical solution for both daily convenience and comprehensive financial management. The platform plays a crucial role in advancing financial inclusion and digital transformation in Zambia. By leveraging the widespread use of mobile phones and offering services tailored to local needs, Zamtel Kwacha bridges the gap between cash-based systems and modern digital finance. With a strong emphasis on security, user experience, and innovation, the platform employs encryption, secure authentication, and an intuitive interface to protect users and simplify transactions. As Zamtel Kwacha grows its service offerings and user reach, it continues to shape Zambia’s evolving financial ecosystem, empowering users with greater access, control, and convenience.

Always at your service

For issues or questions, check out our FAQ page or contact us via phone, email or contact form.

Always at your service