Internet Banking

About Us

Electronic Banking

Our electronic banking services allow our customers to perform transactions on secure platforms without stepping into a branch. 

Our Visa Business debit card allows you access to your account 24/7 anywhere, anytime at local and international Points of Sale (POS). 

FEATURES
  • Multiple cards on one account 
  • Available in multiple currencies 
  • Contactless feature embedded allowing you to make contactless payments where available 

Our Internet Banking facility provides easy and convenient access to your business accounts by enabling you to make transactions on your account 24/7. 

FEATURES
  • Balance enquiry 
  • Check foreign exchange rates 
  • View and download detailed account statements with the option to save in PDF or excel 
  • Make swift payments (including cross border transactions) 
  • Instant fund transfers to accounts within Zanaco as well as to accounts held with other banks, using RTGS and DDACC 
  • Bill payments 
  • User authentication with OTP to ensure security on your account 

SmartPay is a web-based application that allows you to pay your ZRA, NAPSA and NHIMA obligations from the comfort of your home or office. 

The E-Tax payment solution caters for both customs and domestic taxes and can be accessed at www.taxpay.zanaco.co.zm for ZRA taxes and www.napsa.co.zm for NAPSA remiMances. 

The NHIMA payments option can also be accessed www.nhima.co.zm 

SmartPay reduces operational costs associated with cash transactions as it enables payment of your regulatory obligations from the comfort of your home or offices and is available to all tax and National Health Insurance Scheme (NHIS) registered retail individuals, Small to Medium Enterprises (SMEs) and Corporates with accounts at Zanaco and has the following features: 

Product Features Relating to ZRA and NAPSA 
  • Cancel transactions 
  • View and download transaction reports 
  • N-tier level authorisation of transaction 
  • Ability to add more than one paying account 
  • Pay for other taxpayers using the agency module 
  • Pay tax for a group of companies using one TPIN 
  • Accessible on handheld devices such as smart phones or tablets 
Product Features Relating to NHIMA
  • View historical payments 
  • Download and print receipts 
  • Make NHIMA payments online 

PayFlexi is an enhanced web based electronic payment solution used to make high volume payments such as salaries, dividends, allowances and loan disbursements, supplier and vendor payments, bulk payments and utility payments. 

FEATURES
  • Uniform fee per transaction 
  • A unique secure login for clients 
  • Bulk payments to any account within Zambia and mobile money account holders
  • Easy submission of files (access, initiation, authorisation) 
BENEFITS 
  • Security 
  • Convenience 
  • Timely remission of payments 
  • Easy reporting and reconciliation 
  • Make payments to unbanked beneficiaries by transferring funds to their MTN, Zamtel or Airtel Mobile Money accounts.