ATMs and Banking facilities are numerous in the country. Zambia has 18 registered commercial banks with branches and ATMs spread across the country. All ATM withdraws are in Zambian Kwacha (ZMW) with a maximum of ZMW 2,000 to ZMW 4,000 per withdrawal. Daily withdraw limits depend on the account.
Withdraws can be made at most ATMs with American Express, Mastercard and Visa. Visa is the most commonly available. The following ATMs and Banking are available:
AB BANK ZAMBIA LIMITED
ABSA ZAMBIA
ACCESS BANK ZAMBIA LIMITED
ATLASMARA ZAMBIA
BANK OF CHINA (ZAMBIA ) LIMITED
CAVMONT BANK LIMITED
CITIBANK ZAMBIA LIMITED
ECOBANK ZAMBIA LIMITED
FIRST ALLIANCE BANK LIMITED
FIRST CAPITAL BANK ZAMBIA
FIRST NATIONAL BANK ZAMBIA LIMITED
INDO-ZAMBIA BANK LIMITED
ATMs and Banking
INVESTRUST BANK PLC
STANBIC BANK ZAMBIA LIMITED
ATMs and branches
STANDARD CHARTERED BANK PLC
UNITED BANK FOR AFRICA ZAMBIA LIMITED
ZAMBIA INDUSTRIAL COMMERCIAL BANK LIMITED
ZAMBIA NATIONAL COMMERCIAL BANK PLC
Banknotes – Enhanced Security Features
“The Bank of Zambia is the sole authority mandated by law to issue banknotes and coins as legal tender for circulation in the Republic of Zambia. The Bank seeks to ensure that only high-quality banknotes and coins circulate in order to maintain confidence in the Zambian Kwacha as a payment mechanism and a store of value. The Bank also ensures that the Zambian currency is adequately protected from counterfeiting. This is done by continually adopting new technology-based security features that safeguard the integrity of the currency.
In 2018, the Bank of Zambia has launched enhanced banknotes with new security features to further protect the Zambian kwacha from counterfeiting.” BOZ
The enhanced banknotes’ features are shown for each denomination of the following page.