ZedTrust Reviews
Independent Reviews of Zambian Digital Platforms
Independent Reviews of Zambian Digital Platforms
chilimba.online is a modern digital savings platform designed in Zambia. It transforms the traditional Chilimba savings system into a secure, transparent, and accessible online experience.
Chilimba.online digitizes community savings groups, allowing users to join pools, contribute regularly, and receive payouts in a structured rotation. It preserves cultural financial practices while enhancing them with modern technology.
All participants are verified, ensuring a trusted and secure savings environment.
Savings are protected, giving users confidence in the safety of their funds.
Clear tracking of contributions and payout schedules for all members.
A platform rooted in Zambian culture and designed to empower local communities.
Yes. Based on our independent review, Chilimba.online is a legitimate Zambian digital savings platform with verified members, insured contributions, and transparent payout rotations. We rated it 4.8 / 5.
Chilimba is a traditional Zambian community savings practice — similar to village banking — where members contribute a fixed amount on a schedule and each takes turns receiving the full pooled payout.
Yes. Chilimba.online is effectively digital village banking for Zambia: the same rotating contribution and payout model, with online identity verification and insured contributions.
Visit chilimba.online, sign up, complete identity verification, and join a savings pool that matches your contribution preference.
Airtel Money is the mobile money service operated by Airtel Zambia, one of the country's largest telecommunications providers. Launched to extend financial services to the unbanked, it is regulated by the Bank of Zambia and has become one of the most widely used mobile money platforms in the country.
Airtel Money allows users to send and receive money, pay bills, buy airtime, and access merchant payments — all from a basic mobile phone. It does not require a smartphone or internet connection, making it accessible across Zambia including rural areas.
Works on any mobile phone via *778# and also has a smartphone app for added convenience.
Pay ZESCO, water utilities, DStv, and school fees directly from your wallet.
Transfer funds to and from major Zambian bank accounts seamlessly.
Pay at thousands of merchants across Zambia using the Airtel Money platform.
ZANACO xPress is the digital banking service from the Zambia National Commercial Bank (ZANACO), Zambia's largest commercial bank. The platform brings full banking features to mobile devices, letting customers manage accounts, transfer money, and access loans without visiting a branch.
ZANACO xPress offers mobile and internet banking that integrates with the full suite of ZANACO products. Users can open accounts, apply for loans, pay utility bills, receive salary deposits, and transact across Zambia and internationally.
View balances, make transfers, and manage multiple accounts from your smartphone.
Apply for personal and business loans digitally with quick processing times.
Supports real-time gross settlement and electronic fund transfers to any Zambian bank.
Backed by a wide physical branch and ATM network as a safety net for in-person services.
Zoona is a fintech company that pioneered agent-based money transfers in Zambia, operating since 2009. It provides fast, reliable cash-in and cash-out services through a network of Zoona agents (booths) found at markets, malls, and business centres across the country.
Zoona specialises in over-the-counter money transfers, allowing users to send cash from one Zoona agent to another anywhere in Zambia. The recipient receives a voucher code and can collect cash at any Zoona booth — no bank account required.
Send and receive money without a bank account or mobile money wallet.
Recipients get a secure voucher code to collect cash at any Zoona agent.
Thousands of agents across urban and peri-urban areas of Zambia.
Agents are independent entrepreneurs, creating local economic opportunities.