Agency Banking

Yes, all transactions carried out at FINCA eXpress agents are secure:

  • The Point of Sale terminals require biometric client identification before the transaction is processed. This protects against fraud.
  • In addition, you will receive a receipt for all transactions you make.

It’s simple: enroll at the nearest FINCA Zambia branch to use the service. Your biometric data will be captured and you will be able to transact at any FINCA eXpress agent in Zambia.

Registration is simple, quick and free. Just visit the nearest FINCA Zambia to be enrolled. (Note that registration must be done at a FINCA Zambia branch.)

The registration involves capturing your biometric data. Capturing your digital fingerprint enables you to do banking at a FINCA eXpress agent.

K5.00 for withdraw only. Other transactions are free.

You will receive a receipt for your deposit and for any other transactions performed. This receipt confirms that the transaction has gone through.

Yes, one of the advantages of FINCA eXpress Agent Network is Convenience. You can do your banking closer to where you live and perform transactions outside of normal working hours at FINCA branches.

You can see our Agent locations here…FINCA eXpress Agent Network.


We offer group and individual loans. For Group Loans, group membership can range from three to as many as ten. For individual loans, we offer both Business and Small Enterprise Loans.

Loan processing takes at least five working days provided that all requirements are met and all necessary documents are submitted.

Loan repayments are made on a monthly basis.

Your regular monthly repayment/installment depends on the approved loan period and amount (the longer the loan period, the lower the amount of each loan installment). Your Client Relationship Officer will provide you with a loan repayment schedule.

Our loan amounts range from K1,000 to K1,000,000.

Depending on the loan amount, collateral can range from personal property to tangible assets.

At the moment we do not finance startup businesses.

We do not offer salary-based loans. We are an enterprise lending institution, with loan repayments are made from business income.

Although our loan assessment is based on business income, you can use income from other sources to pay off the loan.

We do not offer education or household loans. Our loans are for business purposes only.


We offer: a standard savings account; FINCA Saver Account; Fixed Term Deposit (FTD); and Corporate Account.

Opening a savings account requires: a valid identity card (NRC, Passport, Driving license) and address verification documents (i.e., utility bill).

For opening a Corporate Savings Account, the following documents are required: certificate of incorporation/registration; memorandum and articles of association; and resolution from directors/company form 5.

Interest rates on savings depend on the type of savings account, the amount of money saved and the period of the savings. The longer the period and greater the amount, the higher the interest rate and subsequent returns.

There is no withdrawal limit on our savings accounts. However, with the Term Deposit one can only make a withdrawal after maturity.

Please refer to the tariff guide/pricing list displayed in the branches and available upon request.


Unfortunately, our services are only available to those within regions or towns where we operate due to the high operational costs involved in business assessment and monitoring.

We have branches in Chingola, Kitwe, Ndola, Kapiri, Kabwe, Lusaka, Chipata, Kafue, Mazabuka, Monze and Choma. See our branch network.

We are open from 08:30 to 16:00 every Monday through Friday, other than public holidays.

We do not have ATM facilities at the moment.

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