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Grow into your greatness, bank with us!

Freedom to Bank

What is Mobile Banking?

Xapit is Zanaco's mobile banking platform that gives you all your traditional banking services conveniently packaged on your mobile device. It allows you to manage your bank accounts and perform transactions as you would in our branch, but with added flexibility and control, saving you time to focus on increasing your productivity. You can access our mobile platforms via USSD by dailing *444# or by downloading the Zanaco Mobile App from Googleplay or Apple Store

What can you do on mobile banking?

Check your balance - check account balances for all your linked accounts

Airtime purchases - top up yours, your friends' and families' airtime directly from the mobile app on  the following networks: Airtel, MTN and Zamtel

Bill Payments - beat the month-end queues and traffic by paying your electricity bills and water bills conveniently:

  • Lusaka Water
  • Lukanga Water
  • Nkana Water
  • Mulonga Wate
  • Multichoice

Transfers - send money quick and easy:

  • send money to any Zambian bank account easily by supplying the bank name and account number
  • transfer money between your accounts in seconds
  • send money to any valid mobile number

Add Beneficiaries - setup and maintain your payment recipients online

  • add beneficiaries for different trasaction types e.g talk-time, transfers or bill payments
  • remove beneficiaries at will

Manage Account - perform adminstrative tasks on your account

  • card blocking
  • change PIN
  • request for check book
  • track your transactions by viewing a mini statement


  • Secure
  • Easy to use
  • Financial Market Information
  • 24/7 access to your bank account
  • Convenience- Banking from the comfort of your home or Office

What do i need to get started?

The following are the necessary requirements to apply:

  • Registration/Reset by visiting any nearest Zanaco branch
  • Registration/Reset via our Contact Centre by calling 5000
  • Self-Registration/Reset via the App or using our short code *444#
  • Zanaco Mobile Banking & Zanaco Xpress Guide

Quick Access Links