Bill payments

Pay your bills directly from your MTN Mobile Money account!​

Overview

Pay your bills directly from your MTN Mobile Money account! MTN has partnered with dozens of national retailers, restaurants, schools and water services, which include:

  • DStv
  • GOtv
  • Muvi TV
  • Zuku TV
  • Nkana Water and Sewerage Company
  • Lusaka Water and Sewerage Company (Post-paid bills)
  • MTN Post-paid Bills
  • ZESCO
Cost

Transaction Usage Cost
K001 - K150K1
K151 - K300K1.5
K301 - K600K2.5
K601 - K3 000K3.5
Money Transfer

Transaction Minimum Maximum Customer Fee
Deposit CashK5K5 0000
Send money to registered MTN Mobile Money user ​​​​ K5K150K0.25
K150.01K300K0.50
K300.01K600K0.80
K600.01K1 200K1
K1 200.01K3 000K2
Send money to non MTN Mobile Money user ​​​ K5K150K5
K150.01K300K10
K300.01K600K15
K600.01K1 200K25
K1 200.01K3 000K35
​Withdraw cash by registered MTN Mobile Money user ​​​ K5K150K2.50
K150.01K300K5
K300.01K600K10
K600.01K1 200K20
K1 200.01K3 000K30
Withdraw cash by non MTN Mobile Money userK5K3 0000
Buy airtime (for yourself or others)K.001K3 0000
Bill Payments: ZESCO, DSTV, GOtv, Water, Etc. Over The Counter Fee
Transaction Range Fee
K.001-150K1K2
K151-300K1.5K3
K301-600K2.5K5
K601-3001K3.5K7
Administrative Transactions Requirements
TransactionFee
Tier 1 Maximum Account BalanceK5 000NRC, Passport or Drivers Licence
Tier 2 Maximum Account BalanceK15 000Utility Bill or Letter from employer
Change PINFree
Top UpFree
Monthly FeeNone
Minimum Balance RequirementNone
Maximum Account BalanceK5 000
Maximum Amount per TransactionK3 000
Maximum Transaction per DayK5 000

Bulk Payments

Paying employees or suppliers just got a lot easier. Corporate Mobile Money customers can now make bulk payments to several other registered Mobile Money users over the MTN network.

Bulk Payments can reduce errors or fraud in pay-outs and provide safe, instant direct payments to employees directly to their phones – no need for the receiver to set up a bank account!

Benefits

  • Instant, direct, safe payments
  • Send and receive payments from anywhere in Zambia
  • Elimination of fraud or errors in payments
  • No need to collect banking information
Costs

The sender will be charged K2 per person, per bulk payment, no matter the amount or the number of receivers.

Sign Up

To register, you will need to sign up with MTN Mobile Money and present copies of the following documentation:

  • A written request for the service
  • PACRA Certificate of Incorporation or Certificate of Registration
  • Copy of Company Director's identity document
  • Completed forms provided by MTN
  • ZRA Compliance Certification such as TPIN Number, VAT Registration Number or PAYE Certificate
How it Works

After registering you will be given access to a web interface with a unique 15-digit reference number, plus a user ID provided by MTN Mobile Money. From the web interface you will be able to:

  • Upload a file containing details on the payments
  • Check the status of payments

Pay your bills directly from your MTN Mobile Money account! MTN has partnered with dozens of national retailers, restaurants, schools and water services, which include:

  • DStv
  • GOtv
  • Muvi TV
  • Zuku TV
  • Nkana Water and Sewerage Company
  • Lusaka Water and Sewerage Company (Post-paid bills)
  • MTN Post-paid Bills
  • ZESCO

Transaction Usage Cost
K001 - K150K1
K151 - K300K1.5
K301 - K600K2.5
K601 - K3 000K3.5

Transaction Minimum Maximum Customer Fee
Deposit CashK5K5 0000
Send money to registered MTN Mobile Money user ​​​​ K5K150K0.25
K150.01K300K0.50
K300.01K600K0.80
K600.01K1 200K1
K1 200.01K3 000K2
Send money to non MTN Mobile Money user ​​​ K5K150K5
K150.01K300K10
K300.01K600K15
K600.01K1 200K25
K1 200.01K3 000K35
​Withdraw cash by registered MTN Mobile Money user ​​​ K5K150K2.50
K150.01K300K5
K300.01K600K10
K600.01K1 200K20
K1 200.01K3 000K30
Withdraw cash by non MTN Mobile Money userK5K3 0000
Buy airtime (for yourself or others)K.001K3 0000
Bill Payments: ZESCO, DSTV, GOtv, Water, Etc. Over The Counter Fee
Transaction Range Fee
K.001-150K1K2
K151-300K1.5K3
K301-600K2.5K5
K601-3001K3.5K7
Administrative Transactions Requirements
TransactionFee
Tier 1 Maximum Account BalanceK5 000NRC, Passport or Drivers Licence
Tier 2 Maximum Account BalanceK15 000Utility Bill or Letter from employer
Change PINFree
Top UpFree
Monthly FeeNone
Minimum Balance RequirementNone
Maximum Account BalanceK5 000
Maximum Amount per TransactionK3 000
Maximum Transaction per DayK5 000


Paying employees or suppliers just got a lot easier. Corporate Mobile Money customers can now make bulk payments to several other registered Mobile Money users over the MTN network.

Bulk Payments can reduce errors or fraud in pay-outs and provide safe, instant direct payments to employees directly to their phones – no need for the receiver to set up a bank account!


  • Instant, direct, safe payments
  • Send and receive payments from anywhere in Zambia
  • Elimination of fraud or errors in payments
  • No need to collect banking information

The sender will be charged K2 per person, per bulk payment, no matter the amount or the number of receivers.


To register, you will need to sign up with MTN Mobile Money and present copies of the following documentation:

  • A written request for the service
  • PACRA Certificate of Incorporation or Certificate of Registration
  • Copy of Company Director's identity document
  • Completed forms provided by MTN
  • ZRA Compliance Certification such as TPIN Number, VAT Registration Number or PAYE Certificate

After registering you will be given access to a web interface with a unique 15-digit reference number, plus a user ID provided by MTN Mobile Money. From the web interface you will be able to:

  • Upload a file containing details on the payments
  • Check the status of payments