Xapit Account

An entry-level affordable account that offers electronic and mobile banking solutions to meet your everyday banking needs.
The XAPIT Account is great for people who need to make simple withdrawals and payments, but do not require a cheque book or monthly statements. The VISA debit card and mobile banking features will give you fast, easy access to your money anytime, anywhere.

  • Monthly Management fee of ZMW5.00
  • Account opening fee of just ZMW 40
  • No minimum balance 
  • Maximum balance limit of ZMW 10,000
  • Five free deposits/month
  • ATM Visa Electron Debit Card
  • No interest paid
  • No monthly statements

XAPIT mobile banking comes with the following features:

  • On-line purchases
  • Airtime top-up
  • Bill payment facility
  • Funds transfer facility
  • Balance enquiry


  • Open an account instantly with minimum delay
  • 24 hour Visa debit card that works on-line, at ATMs and in retail stores
  • Convenient access to cash 24/7 via the ATM network both locally and internationally
  • Pay your electricity, water and satellite TV bills
  • Deposit and withdraw at our wide range of Zanaco branches or Zanaco Xpress outlets
  • Monthly Management fee of ZMW5.00