Mobile money top-ups
Add money from MTN MoMo, Airtel Money or Zamtel Kwacha. You get a prompt on your phone, approve it, done.
Digital banking · Zambia
Bank from your phone. Add money in seconds.
Open a VBANKING account in under two minutes. Top up with MTN, Airtel or Zamtel mobile money or any Visa/Mastercard, send money instantly, and keep savings in pockets.
- No monthly fees
- Free VBANKING-to-VBANKING transfers
- PIN on every transaction
3mobile money networks
0%on VBANKING transfers
<60stypical top-up time
24/7account access
Everything in one account
Built for how money actually moves in Zambia
Mobile money in, cards in, instant transfers out — with the controls of a real bank account.
Cards welcome
Pay in with any Visa or Mastercard through a secure hosted checkout. Your card details never touch our servers.
Instant transfers
Send to any VBANKING account for free, instantly, using a phone number or account number — or to any mobile money wallet.
Savings pockets
Set money aside for school fees, rent or a trip. Pockets keep it out of your spending balance until you need it.
Clear statements
Every kwacha accounted for. Search, filter and download your statement as CSV any time.
Cash out anywhere
Withdraw straight to your own mobile money number and cash out at any agent in the country.
Ways to pay
Add money the way that suits you
Both routes settle into the same balance. Choose per top-up.
How a top-up works
- 1Choose an amountFrom K5 up to your daily limit.
- 2Pick mobile money or cardEnter the number to charge, or open the card checkout.
- 3ApproveEnter your mobile money PIN on the prompt, or complete 3-D Secure.
- 4Money landsYour balance updates the moment the network confirms.
Security
Serious about keeping your money yours
We designed VBANKING the way a bank's fraud team would want it: every move out of your account is PIN-checked, large withdrawals are reviewed by a human, and nothing is settled on a gateway's word alone.
- Transaction PINSending, withdrawing and taking from pockets all need your 4-digit PIN. Five wrong tries locks it for 30 minutes.
- Hosted card checkoutCard numbers are entered on the processor's PCI-DSS certified page, never ours.
- Reviewed withdrawalsWithdrawals above the instant limit are checked by our team before they leave.
- Double-verified settlementEvery deposit is confirmed directly with the payment network before it is credited.
Questions
Frequently asked
What do I need to open an account?
A Zambian mobile number (MTN, Airtel or Zamtel), your name, a password and a 4-digit transaction PIN. You can add an email for card receipts.
How fast do mobile money deposits arrive?
Usually within a minute of approving the prompt on your phone. If a network is slow, the deposit stays "pending" and is credited automatically the moment the network confirms it.
Are card payments safe?
Yes. Cards are processed on a hosted checkout page from our payment partner, Lenco, with 3-D Secure. VBANKING never sees or stores your card number.
What does it cost?
Opening an account, adding money by mobile money and transferring between VBANKING accounts are free. Withdrawals and sending to a mobile money wallet carry a small flat fee shown before you confirm.
Can I withdraw to any number?
Withdrawals go only to the mobile number registered on your account — this protects you if your phone is stolen. To pay someone else, use Send.
What if I forget my PIN?
Set a new one in Settings using your account password. If you have lost both, contact support and we will verify you.
Ready to open your account?
It takes two minutes. All you need is a Zambian mobile number.