Payment Options


“Our payments solutions are tailored to offer effectiveness and flexibility for your business and can be accessed through our Internet Banking Platform

Internal Transfer – This is the transfer of funds (FCY & ZMW) between accounts within Zanaco. This facilitates by enabling you to transfer funds within the bank. You can transfer any amount.

Electronic Funds Transfer (EFT) –  This is the transfer of Kwacha (ZMW) funds from a Zanaco account to another account at another financial institution over a computerized network. In Zambia, this is done through the Zambia Electronic Clearing House Limited (ZECHL). It enables your business to transfer individual amounts up to K500,000 to any bank within Zambia.

Real Time Gross Settlement (RTGS) – This is the transfer of Kwacha funds (ZMW) from a Zanaco account to another account at another financial institution within Zambia through the SWIFT network. The Transfers are done through the Central Bank and settlement happens when the transactions are affected. Any funds transferred after 1300hrs gets to be settled the following business day.

Telegraphic Transfer (TTs) –This is the transfer of Foreign Currency Funds (FCY) from a Zanaco account to another account at any International financial institution through the SWIFT network.

This enables your business to be able to make payments to international parties in major International currencies.


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