FNB Zambia

First National Bank Zambia Limited (FNB Zambia) is the premier banking institution in Zambia, delivering innovative financial solutions to individuals, businesses, and enterprises across the nation. As part of the FirstRand Group, one of Africa’s largest financial services organizations, FNB Zambia combines international banking excellence with deep local market understanding. With a network spanning 23+ branches, 50+ ATMs, and cutting-edge digital platforms, FNB Zambia serves over 500,000 customers and manages billions in deposits, positioning itself as Zambia’s leading choice for comprehensive banking services.

Company Overview

Corporate Identity

Full Legal Name: First National Bank Zambia Limited
Trading Name: FNB Zambia
SWIFT Code: FIRNZMLXXXX
Banking License: Licensed by the Bank of Zambia
Parent Company: FirstRand Group (Johannesburg Stock Exchange listed)
Headquarters: 22768, Acacia Office Park, Cnr Thabo Mbeki and Great East Roads, Lusaka, Zambia
Founded in Zambia: 2009
Years of Operation: 13+ years of banking excellence

About FirstRand Group

FNB Zambia operates under FirstRand Group, one of Africa’s largest and most respected financial services conglomerates. FirstRand’s global presence and strategic investments ensure FNB Zambia delivers world-class banking standards while maintaining local relevance. This dual advantage makes FNB Zambia uniquely positioned to understand Zambian market dynamics while applying proven international best practices.

Banking Services & Products

Personal Banking Accounts

Transactional Accounts

1. Smart Account

• Designed for individuals seeking flexibility and value

• Includes debit card for local and international transactions

• Free monthly maintenance for qualifying balances

• Competitive interest rates on deposits

• Ideal for daily banking needs with sophisticated features

2. eSavings Account

• Digital-first savings solution for tech-savvy customers

• Accessible entirely through mobile app and online banking

• Higher interest rates for committed savers

• Automatic savings plans and goal-setting tools

• Minimal documentation requirements for faster account opening

3. Savings Account

• Traditional savings account for conservative depositors

• Attractive interest rates on savings balances

• ATM and teller access to funds

• Regular statement options

• Perfect for building emergency reserves and financial goals

4. Transaction Account

• Full-feature checking account for active banking

• Unlimited deposits and withdrawals

• Overdraft facilities available (subject to qualification)

• ATM, online, and branch access

• Suitable for frequent business and personal transactions

Investment & Wealth Management

1. Investment Products

• Fixed deposit accounts with competitive rates

• Money market investment options

• Government securities and bonds

• Structured investment solutions

• Personalized portfolio management

2. Private Banking

• Exclusive services for high-net-worth individuals

• Dedicated relationship managers

• Customized investment strategies

• Wealth preservation and estate planning

• Global banking connections and facilitation

Business Banking Solutions

Business Accounts

1. Business Transactional Account

• Designed for small to medium enterprises (SMEs)

• Features: multiple signatories, payroll management, trade financing

• Bulk payment capabilities for efficient cash management

• Free monthly maintenance (tier-dependent)

• Integration with accounting software

2. Corporate Accounts

• Comprehensive solutions for large enterprises

• Multi-currency transaction capabilities

• Advanced liquidity management tools

• Customizable transaction limits

• Dedicated corporate relationship managers

Business Services & Solutions

1. Trade Finance

• Import/Export financing solutions

• Letters of Credit (LC) issuance

• Bank Guarantees for international transactions

• Documentary collections and bill discounting

• Specialized support for cross-border commerce

2. Merchant Services & eCommerce

• Point-of-Sale (POS) terminals for retail businesses

• Online payment gateway integration

• Card payment processing services

• Real-time transaction reporting and reconciliation

• Competitive merchant rates and fast settlement

3. Corporate Banking Services

• Business credit facilities and term loans

• Equipment financing and leasing

• Working capital solutions

• Cash management services

• Payroll and employee benefit administration

4. Treasury Services

• Foreign exchange (FX) services for import/export

• Money market dealing

• Fixed income investment products

• Corporate debt issuance facilitation

• Hedging solutions for currency exposure

Digital Banking Platforms

FNB Banking App

Platform Availability: iOS (App Store) and Android (Google Play)
User Ratings: 4.5+ stars across both platforms
Current Version: Regularly updated with new features

Key Features:

• Real-time balance and transaction viewing

• Mobile fund transfers (domestic and international)

• Bill payment automation

• Cardless cash withdrawals at ATMs

• Investment account management

• Personal finance analytics and budgeting tools

• Biometric login for enhanced security

• Push notifications for account alerts

• Loan applications and tracking

• Insurance product management

Online Banking Platform

Website: www.fnbzambia.co.zm
Access: 24/7 availability for account management

Functionality:

• Comprehensive account information and history

• Advanced fund transfer capabilities

• Beneficiary management and verification

• Bill payment scheduling

• Credit card services management

• Investment account access

• Document downloads and statements

• Support ticket submission

• Secure messaging with bank

Smart inContact (Mobile Money)

Service Type: Mobile-based financial transactions
Network Partners: All major Zambian telecom operators
Accessibility: Available without requiring smartphone

Capabilities:

• Balance inquiries via USSD codes

• Fund transfers between accounts

• Bill payment services

• Airtime purchases

• Transaction confirmations via SMS

• Account notifications

Cellphone Banking (USSD)

Access Method: Dial USSD codes from any phone
No Internet Required: Works on basic mobile phones
24/7 Availability: Always accessible

Services:

• Quick balance checks

• Mini statements

• Emergency transactions

• Fund transfer initiation

• ATM withdrawal scheduling

Codes:

• Banking: *130*321#
• eWallet: *130*392#

ATM & Branch Network

Branch Locations (23+ Branches)

Lusaka Branches:

• Cairo Road Branch

• Cosmopolitan Mall

• Manda Hill Shopping Centre

• EastPark Mall

• Leopards Hill Branch

• Woodlands Branch

• Longacres Branch

• Kabulonga Branch

Copperbelt Region:

• Kitwe Main Branch

• Ndola Branch

• Chililabombwe Branch

• Mufulira Branch

Northern Region:

• Kasama Branch

• Mbala Branch

Southern Region:

• Livingstone Branch

• Mazabuka Branch

Eastern Region:

• Chipata Branch

• Petauke Branch

Other Locations:

• Kabwe Branch

• Monze Branch

• Chilalamba Branch

• Additional branches in strategic growth locations

ATM Network (50+ Locations)

Coverage: Distributed across all major cities and commercial centers
Accessibility: 24/7 cash withdrawal capabilities
Interoperability: Access to other bank ATMs through interbank networks
Features:

• Cash withdrawal in ZMW and USD

• Balance inquiries

• PIN changes

• Cash deposits (at select branches)

• Cardless withdrawals via mobile app

Awards & Recognition

2023 Awards

• Best Foreign Exchange Provider – Industry recognition for FX services excellence

• Best Customer Service Award – Recognition from banking association

• Innovation in Digital Banking – Award for mobile and online platform advancement

2024-2025 Awards

• Best Employer Award – Recognition for workplace excellence

• Technology Innovation Award – Digital banking platform recognition

• Customer Satisfaction Award – Highest ratings in industry survey

• Sustainability Leadership Award – Environmental and social responsibility

• Business Banking Excellence – Corporate Services Recognition

First National Bank Zambia Limited stands as the premier financial institution in Zambia, combining international banking standards with deep local expertise. Whether you’re an individual seeking comprehensive banking services, a business requiring specialized corporate solutions, or an entrepreneur building your dream, FNB Zambia provides the tools, security, and support needed for financial success.

With over a decade of proven excellence, a network spanning the nation, industry-leading digital platforms, and a commitment to customer service, FNB Zambia is positioned as Zambia’s most trusted banking partner. Join over 500,000 satisfied customers who have made FNB Zambia their financial home.