ZEDWALLET is a mobile money platform in Zambia. Due to its safety, security and unbeatable convenience, ZEDWALLET is the preferred method of payment for many Zambians.

ZEDWALLET provides financial services to anyone with a mobile phone and a ZedMobile SIM card. You do not need a bank account and it does not matter if you have a basic feature phone or the latest smartphone.

A: With an ZEDWALLET account, you have an affordable, safe and convenient way to send and receive money, top up talk-time, pay bills, get paid, save money and much more, without the need for a bank account. ZEDWALLET allows you to:

1. Send Money to anyone with a mobile phone in Zambia
2. Receive money
3. Withdraw Cash at Agents and ATMs
4. Buy talk-time and ZedMobile Packages
5. Pay Businesses, Government, Utilities and other bills
6. Send money to bank accounts & transfer money from your Bank to ZEDWALLET
7. Receive and send money abroad

1. Convenience: You can send money, Buy Talk-time and Pay bills anytime, anywhere!
2. Speed: All transactions, including receiving money from abroad, are instant. The sender and receive always receive a confirmation SMS upon completion of a transaction.
3. Security: ZEDWALLET is highly secure. Your ZEDWALLET account is secured by a personal PIN number. Do not share this with anyone.

• ZEDWALLET can be accessed via USSD, App
• USSD: Dial *115#
• App: Download the Zedlife Mobile App available in the Google Play Store for Android phones or Apple store for iOS

You can register by yourself or with any ZEDWALLET Agent. You will require:

1. A registered and active ZedMobile SIM Card
2. Your NRC ID card

To register by yourself:

Dial the ZEDWALLET USSD code *115# or download the Zedlife Mobile App Accept the Terms & Conditions

1. Enter your NRC number and confirm details
2. Create a memorable 4-digit ZEDWALLET PIN
3. Re-enter your new ZEDWALLET PIN
4. Wait for the confirmation SMS

To register at a ZEDWALLET Agent or ZedMobile Shop:

The ZEDWALLET Agent or Store Assistant will either ask you to enter your fingerprint or ask for your phone number and NRC number.You will receive a prompt on your phone to accept the Terms & Conditions Create your ZEDWALLET PIN Wait for the confirmation SMS

You can register up to five ZEDWALLET accounts under the same name. Each ZEDWALLET account will have its own PIN and transaction records. You cannot see the transactions of one account in another line.

Note that per regulations, your ZEDWALLET account balance will be shared across all your lines. For example, if you are a Tier 1 customer with a 20,000 Kwacha account limit and have registered two ZEDWALLET accounts, should one of your accounts hold 8,000 Kwacha, the other account can have a maximum of 12,000 Kwacha. If you reduce the balance of your first account to 5,000 Kwacha, your second account could now hold 15,000 Kwacha.

Maximum balance across all your accounts is 20,000 Kwacha for Tier 1 and 100,000 for Tier 2. Limit per transaction is 10,000 Kwacha. You can upgrade your account by visiting our retail stores or ZedWallet agent near you with your TPIN

No. ZEDWALLET registration is free of charge.

You can deposit money in your ZEDWALLET Wallet by;

1. Visiting any ZEDWALLET agent near you with your NRC ID and phone.
2. Transferring money from your Bank account directly to your ZEDWALLET wallet.

Visit your Nearest ZEDWALLET Agent with your ID the ZEDWALLET voucher SMS

You need to cash in the Voucher within 7 days of receipt or it expires after which the cash is reversed back to the sender

Call the contact Center on 111 for the Voucher to be resent to your phone.

No Charge. Only the sender is charged for sending money to an unregistered user.

ZEDWALLET Agents will have visible ZEDWALLET branding. They are usually small businesses, pharmacies, ZedMobile shops or standalone Agents with ZedMobile branding.

You can visit a ZEDWALLET Agent to:

1. Register with ZEDWALLET
2. Deposit money in your wallet
3. Withdraw money
4. Buy Talk-time

If you are not registered on ZEDWALLET, you can still receive cash in the form of a voucher sent via SMS. You can visit any ZEDWALLET Agent to withdraw the money.

1. Send Money (Registered and unregistered).
2. Withdraw Cash

See our pricing charts for more information

The below transactions are free of charge on ZEDWALLET Receive money domestically or from abroadn

1. Buy Talk-time & ZedMobile packages
2. Business payments
3. Statements
4. Balance Check
5. Any account related activities

Before completing any ZEDWALLET transaction, a confirmation screen will appear including the amount, the receiver and the transaction fee. Once you confirm this, you will be asked to enter your ZEDWALLET PIN to complete the transaction. The confirmation SMS received after a successful ZEDWALLET transaction also displays the transaction fee.

Currently your ZEDWALLET wallet cannot go into a negative balance.