Zamtel Mobile Money

Overview

Zamtel Mobile Money is an electronic mobile money service which allows you to send and receive money and pay bills conveniently using your mobile phone. Zamtel Mobile Money is a safe and easy way to always have access to your wallet on the go.

All Zamtel Prepaid and Post-paid Subscribers can access Zamtel Mobile Money using either a basic handset or Smart phone.

Using Zamtel Mobile Money Subscribers will be able to;

1. Transfer e-money to registered or unregistered Zamtel Subscribers.

2. Transfer e-money to Mobile users on other networks

3. Deposit and withdraw cash at any Zamtel Outlet or any authorised agent

4. Pay bills

To access these services and more simply dial *344#.

If you are not registered for Zamtel Mobile Money, simply visit the nearest Zamtel outlet or any authorised agent to register.

Deposit (K)

Minimum Maximum Charge (K)
5.00 150.00 Free
151.00 300.00 Free
301.00 500.00 Free
501.00 1,000.00 Free
1,001.00 3,000.00 Free
3,001.00 5,000.00 Free
5,000.00 100,000.00 Free

Withdrawal (cash out) Registered Zamtel Mobile Money Customer

Minimum Maximum Charge (K)
5.00 150.00 3.00
151.00 300.00 5.00
301.00 500.00 10.00
501.00 1,000.00 20.00
1,001.00 3,000.00 30.00
3,001.00 5,000.00 50.00

Cash Out Fees - Non Zamtel Mobile Money Customer

Minimum Maximum Charge (K)
5.00 20,000.00 Free

Send Money - Zamtel Mobile Money to Zamtel Mobile Money Registered Customer

Minimum Maximum Charge (K)
5.00 150.00 -
151.00 300.00 0.50
301.00 500.00 0.80
501.00 1,000.00 1.00
1,001.00 3,000.00 2.00
3,001.00 5,000.00 3.00

Send Money - Zamtel Mobile Money User to Unregistered Customer

Minimum Maximum Charge (K)
5.00 150.00 5.00
151.00 300.00 10.0
301.00 500.00 10.00
501.00 1,000.00 20.00
1,001.00 3,000.00 30.00
3,001.00 5,000.00 50.00

Airtime Top Up (For Yourself or Others)

Minimum Maximum Charge (K)
5.00 20,000.00 Free

Bill Payment: Zamtel Service, Zesco, DSTV, Gotv, Box Office, ETC

Minimum Maximum Charge (K)
5.00 150.00 0.50
151.00 300.00 0.75
301.00 600.00 1.25
601.00 1,200.00 1.75
1,201.00 5,000.00 1.75

Other Zamtel Mobile Money Admin Fees

Admin Fees Charge (K)
Change Pin Free
Top Up Free
Monthly Charges None
Minimum Balance Requirement None
Registration Fee None
Balance Enquiry None

FAQs

Q: What is Zamtel Mobile Money?

A: It is a mobile money service that allows Zamtel customers to be able to use their mobile phone as a wallet and conduct cash transactions such as send money, buy talk time, bill payments.

Q: How can I register for Zamtel Mobile Money?

A: To have a Basic, Standard or Premium Zamtel Mobile Money Wallet, the customer needs to fill in a registration form at any authorised Agent's location or Zamtel retail outlet. Customer needs to have copy of ID to submit with registration form How do I access Zamtel Mobile Money from my phone?

Dial *344# and you will be presented with a USSD menu with the options available to you for Zamtel Mobile Money.

Q: Do I need to have a bank account?

A: No you do not need to have a bank account to use Zamtel Mobile Money.

Q: I already have a bank account. Can I access it using Zamtel Mobile Money?

A: No. You are not able to access your bank account using Zamtel Mobile Money.

Q: Can I top up a prepaid number of any other network using Zamtel Mobile Money?

A: No. You cannot top up cross network numbers. You can only top up Zamtel prepaid numbers.

Q: Does Zamtel Mobile Money work across networks?

A: Zamtel Mobile Money does not work across networks. Zamtel Mobile Money customers will however be able to send money to subscribers on other networks. A customer from another network will get a voucher number which they will use to withdraw at the agent outlet.

Zamtel Mobile Money users can send money directly into a wallet on another network by using the NFS feature on the menu.

Q: Can I use Zamtel Mobile Money if I don't have talk time in my number?

A: Yes. Zamtel Mobile Money uses a different platform from the usual Airtime platform.

Q: Who are the Zamtel Mobile Money agents and how can I access them?

A: These have been recruited countrywide and Branded "Zamtel Mobile Money Agent" for easy identification. They so far include Zamtel Retail Outlets, Investrust banking halls Investrust Agents and other identified Agents.

Registered partners include: Kazang, 543 Konse Konse , Zooona who would be able to facilitate transactions on behalf of Zamtel Mobile Money.

Q: Can I register for Zamtel Mobile Money even if I am not a Zamtel customer?

A: No. You cannot register for Zamtel Mobile Money if you are not a Zamtel Customer.

Q: How much money can I send or receive in a single Zamtel Mobile Money transaction?

A: K10,000.00 per transaction for basic accounts,

K20,000.00 per transaction for Standard accounts,

K250,000.00 per transaction for Premium Customers

Q: What are the charges that apply for Zamtel Mobile Money transactions?

A: They are in bands. A schedule of these bands is available at Agents' outlets.

Q: What do I do in case I send money to a wrong number?

A: Inform the Helpdesk by dialing 111 or 344 directly.

Q: What do I do if I conduct a transaction and do not get a transaction confirmation notification?

A: You can check your account balance to confirm if the balance has reduced, however you can inform Helpdesk on 344.

Q: Can I still use Zamtel Mobile Money if there is a network outage?

A: No. The service relies on USSD which is network based. Customers are therefore advised to complete all transactions before going in areas with network outage.

Q: Do I lose my Zamtel Mobile Money e- money if I lose my SIM card or my phone?

A: No. When a sim card is lost, customer should get a sim replacement. The replaced sim will have all the e-money that was initially there with the old PIN still active.

Q: What do I do if I forget my Zamtel Mobile Money PIN number?

A: Inform the Helpdesk on 344. A reset PIN instruction will be passed from the Back office.

Q: Can I change my PIN number? How many changes am I allowed?

A: Yes. By going on the Change PIN option on the USSD platform under:

• My account (Option 8) and

• Pin change (Option 3)

There is no limit to the number of times one can change the PIN currently.

Q: Is there a way for me to check on the transactions that I have done on Zamtel Mobile Money?

A: Under My Account (Option 8), there is a provision to check Mini statement (Option 2) for previous transactions.

Q: How safe is my Money?

A: All transactions and Accounts are PIN protected. Each Customer/ Agent has a unique PIN number.

Q: Is there an age restriction to register for and use Zamtel Mobile Money?

A: Yes. All users must have a valid National ID or a Refugee card. 16 years is therefore the age restriction. Children may however be registered through a guardian/ parent.

How to

Pay for Bills

• Dial *344# and select 'Pay Bills',

• select the service you wish to pay for

• Enter the account number for the required service

• Enter the amount

• Enter PIN: ****

Paying for Bills at Merchant Locations

• Dial *344#,

• Select option 7 " Merchant Payments",

• Enter the 5-digit Merchant code

• Enter a reference

• Enter the amount

• Select option 1 to confirm

• Enter your Zamtel Mobile Money Pin ****

• You will receive a sms confirmation.

Send Money

• Dial *344#,

• Select 1 – Zamtel Number

• Enter Mobile number (registered or unregistered).

• Enter the amount

• Enter PIN: ****

Send with NFS

The National Financial Switch is the first ever local nationwide shared platform, which will facilitate for integration of digital payments throughout the Country to reduce cash dependencies and its associated risks. Customers are able to send money from their wallet to other networks, or partner banks.

• Dial *344#,

• Select option 1 ‘Send Money‘

• Option 2 ‘Other mobile networks’

• Select the network provider you wish to send to

• Input the Mobile Number

• Enter Amount

• Enter PIN and confirm

Withdraw Money

• Dial *344#,

• Select option 2 "withdraw”,

• Enter the AgentID Displayed in the Agent Location,

• Enter amount you wish to withdraw,

• Enter PIN: **** and send

Top-up airtime

• Dial *344#,

• Select option 4

• Option 1

• Select who you are purchasing for (Yourself, or another number)

• then enter the amount you wish to top-up,

• enter the number you wish to top-up,

• Enter PIN: **** and send

Check wallet balance/Change Pin

• Dial *344#,

• Select option 8 'my account',

• Select option 1 'My balance'

• Enter pin and send

• select option 3 for change pin

Terms and Conditions

Zamtel Mobile Money is Zamtel's mobile money product.

Zamtel Mobile Money is available to both Zamtel prepaid and postpaid mobile customers.

Customers will access the Zamtel Mobile Money product menu by dialing the short code *344#.

Customers using Zamtel Mobile Money will be able to conduct cash transfers, bill payments, talk time purchase and other services.

Only Zamtel customers aged 16 years and above are eligible to use Zamtel Mobile Money.

Every customer must register before they can be allowed to access Zamtel Mobile Money.

Registration of customers for Zamtel Mobile Money will be done through Zamtel retail outlets, Investrust bank branches and other authorised Agents.

Non-Zamtel customers cannot register their numbers on Zamtel Mobile Money. However, Zamtel Kwacha registered customers will be able to send money to customers on other networks.

The Zamtel Mobile Money E-Money in one's account has no expiry date. However, funds in a dormant account will be remitted to Bank of Zambia after 12 months.

The customer shall not transfer or receive Zamtel Mobile Money e-money beyond the set limits in line with anti-money laundering regulations.

Zamtel Mobile Money transaction fees will apply as specified per transaction in line with the tables below.

Deposit (K)

Minimum Maximum Charge (K)
5.00 20,000.00 Free

Withdrawal (cash out) Regestered Zamtel Mobile Money Customer

Minimum Maximum Charge (K)
5.00 150.00 2.50
151.00 300.00 5.00
301.00 600.00 10.00
601.00 1,200.00 20.00
1,201.00 5,000.00 30.00
5,001.00 8,000.00 30.00
8,001.00 12,000.00 30.00
12,001.00 15,000.00 30.00
15,001.00 20,000.00 30.00

Cash Out Fees - Non Zamtel Mobile Money Customer

Minimum Maximum Charge (K)
5.00 20,000.00 Free

Send Money - Zamtel Mobile Money to Zamtel Mobile Money Registered Customer

Minimum Maximum Charge (K)
5.00 150.00 0.20
151.00 300.00 0.50
301.00 600.00 0.80
601.00 1,200.00 1.00
1,201.00 5,000.00 2.00
5,001.00 8,000.00 4.00
8,001.00 12,000.00 5.00
12,001.00 15,000.00 6.00
15,001.00 20,000.00 8.00

Send Money - Zamtel Mobile Money User to Unregistered Customer

Minimum Maximum Charge (K)
5.00 150.00 5.00
151.00 300.00 10.0
301.00 600.00 15.00
601.00 1,200.00 25.00
1,201.00 5,000.00 35.00
5,001.00 8,000.00 48.00
8,001.00 12,000.00 72.00
12,001.00 15,000.00 90.00
15,001.00 20,000.00 120.00

Airtime Top Up (For Yourself or Others)

Minimum Maximum Charge (K)
5.00 20,000.00 Free

Bill Payment: Zamtel Service, Zesco, DSTV, Gotv, Box Office, ETC

Minimum Maximum Charge (K)
5.00 150.00 0.50
151.00 300.00 0.75
301.00 600.00 1.25
601.00 1,200.00 1.75
1,201.00 5,000.00 1.75
5,001.00 8,000.00 2.50
8,001.00 12,000.00 2.50
12,001.00 15,000.00 2.50
15,001.00 20,000.00 2.50

Anti Money Laundering Limits

Anti-Money Laundering Limits Charge (K)
Maximum Transaction Amount (Per transaction) 10,000 (Basic Customer), 20,000 (Standard Customer), 250,000 (Premium Customer)
Maximum Transaction Amount (Per Day) 10,000 (Basic Customer), 20,000 (Standard Customer), 250,000 (Premium Customer)

Other Zamtel Mobile Money Admin Fees

Admin Fees Charge (K)
Change Pin Free
Top Up Free
Monthly Charges None
Minimum Balance Requirement None
Registration Fee None
Balance Enquiry None

All Zamtel Mobile Money transaction charges will be applied on the e-money in one's account and not on the talk time that a customer has in the talk time account.

100% BONUS AIRTIME

Terms and Conditions

1. The 100% bonus promotion will be open to only mobile prepaid Zamtel customers.

2. All customers who perform a recharge using the MOBILE MONEY recharge channel will instantly receive 100% bonus airtime in their bonus account.

3. To qualify for the bonus, customers will have to recharge with an amount using the MOBILE MONEY recharge channel only.

4. The 100% bonus airtime will be valid for on-net calling, on-net SMS and PAYGO browsing only, at the default PAYGO rates.

5. The airtime bonus will not to be used for value added services or any subscription.

6. This promotion will run for a period of 90 days from the date of launch. ( 18th March 2021 and will end on 17th June 2021).

7. If a Customer purchases airtime more than once in a day, they will be given bonus talk time immediately per transaction on that day.

8. Accumulation of bonus must be allowed on multiple top-ups made in one day and all bonuses credited to the customer will be valid until 23:59hrs on the same day that the customer is credited.

9. Bonus for airtime purchased on behalf of another number will be credited to the purchasing number.

10. Customers will be able to check for their bonus balance on *299#