Please contact us at [email protected] for any agent location queries.

Striving to become Zambia's No 1 Interoperable financial services distribution network

Deposit or Withdraw

Deposit and Withdraw Money from your MTN, Airtel, Zamtel, Tenga, Atlas Mara, etumba or SamPay account at any of the 600 Zoona Outlets nationwide at NO ADDITIONAL CHARGE.

Find out more

International Money Transfers

Send and Receive Money from over 150 countries by using Mukuru and WorldRemit at any of the 700 Zoona outlets nationwide at NO ADDITIONAL CHARGE.

Find out more

Z CODE

Pay Z CODE bills or receive Z CODE payments at any of the 700 Zoona outlets nationwide, or alternatively for receiving, dial *321*4# and use the self service menu to pay directly into you MTN, Airtel or Zamtel Wallet.

Find out more

Bill Payments

Pay Bills or buy Airtime at any of the 700 nationwide Zoona Outlets for Zesco, DsTv, Zamtel, Airtel and MTN NO ADDITIONAL CHARGE.

Find out more

Domestic Money Transfers

This service is no longer available

No longer available

Bulk Disbursements

Make secure, unlimited bulk payments to employees, casual workers, customers, volunteers or beneficiaries through our partner, the Tilt Payments Platform. Giving you ease of use, choice and control, coupled with competitive prices.

Find out more

Bulk Collections

Receive payments securely from customers, subscribers, users, businesses or debtors with easy tracking and reconciliation via the

Tilt Payments Platform.

Find out more

Stock Payments

Receive Quick, Easy and Safe

payments from Distributors or

Retailers. With Zero bank delays,

competitive prices and easy

reconciliations.

Find out more

What We Offer

Products

Zoona’s mission is to become Zambia’s No1 interoperable financial services distribution network, making a Zoona Outlet a one stop shop for all consumer needs. With over 15 partner products available, from Bill payments, to MTN & Airtel Cash In and Cash Out there is no shortage of variety at Zoona, but we are always looking to do more, and have many exciting new partnerships and product offerings coming soon. Follow our Facebook page and website to keep updated with the latest offers and products available at Zoona.

See our full list of partners

Booth Locator

Find a Zoona Booth near you!

With 600 active outlets nationwide, you’re never far from a Zoona outlet, whether it is a Zoona kiosk or an approved Zoona retailer. Use the finder tool to locate your nearest outlet and start transacting today. Our trusted agents and tellers look forward to welcoming you to their outlets.

About Us

Zoona is an interoperable distribution business that enables the drive of young entrepreneurs and the power of cutting-edge technology to bring a large variety of safe and reliable financial services to underserved communities in Zambia.

Our Story: Having witnessed first-hand the inefficiencies of cash payments in their home country of Zambia, entrepreneurial brothers Brad & Brett Magrath started Moblie Transactions Zambia Limited in 2008. Their vision was to enhance financial inclusion across the largely unbanked population in Zambia.

Supported by Over 6000 Entrepreneurs

$12 Million Generated in Agent Revenue

7 Million Customers

$2.8 Billion Transactional Value

Mastercard Foundation - Most Outstanding Performance Award

B Corp Certified

600 Active Outlets Nationwide

2014 Kalahari Award - Best use of Mobile Money in Africa

Key partners to the GRZ Farmer Input support Program

Key partners to the GRZ SWL Project

2017 Financial Literacy Award – Innovation

2017 Digital Chikwama Award for Agent Value Chain Development

About us

Zoona is an interoperable distribution business that enables the drive of young entrepreneurs and the power of cutting-edge technology to bring a large variety of safe and reliable financial services to underserved communities in Zambia.

Our Story: Having witnessed first-hand the inefficiencies of cash payments in their home country of Zambia, entrepreneurial brothers Brad & Brett Magrath started Moblie Transactions Zambia Limited in 2008. Their vision was to enhance financial inclusion across the largely unbanked population in Zambia.