Overview

ZedWallet is ZedMobile’s mobile money service created to make financial services simple, secure, and accessible for everyone. Whether you are a consumer, agent, merchant, or enterprise, ZedWallet offers a seamless way to send, receive, and manage money with confidence.

Getting started with ZedWallet is quick and easy.
Here’s how it works:
  1. Dial *USSD 115# to sign up quickly and start your journey with ZedWallet!
  2. Choose a secure PIN to protect your money. This PIN makes sure only you can access and use your wallet.
  3. Add money to your ZedWallet through:
    -ZedWallet agents
    -Linked banks
    -Direct transfers from other ZedWallet customers or partner networks
  4. Now the fun begins! With ZedWallet, you can:
    -Send & Receive Money instantly to friends, family, or colleagues.
    -Transfer to Your Bank and back with ease.
    -Pay Bills & Shop for utilities, airtime, or at other merchants – straight from your phone.
  5. Check your balance by dialing *115#, & see your transactions, and keep control of your money anytime, anywhere.
    With ZedWallet, your money moves the way you want – safe, fast, and convenient.

Why Choose ZedWallet

Send & Receive Money Instantly

Fast, secure, and reliable transfers to anyone, anytime.

Pay Bills Effortlessly

Settle utilities, subscriptions, and other bills in just a few taps.

Safe P2P Transactions

Enjoy secure peer-to-peer transfers with trusted PIN protection.

Affordable & Transparent

Benefit from competitive transaction fees and clear tariffs. ZedWallet gives you control, convenience, and confidence with every transaction.

ZedWallet FAQs

  1. Dial *707# to report a lost or stolen line
  2. Your line will be barred and your ZEDWALLET account frozen so that no transactions can happen on your wallet
  3. Visit any ZEDWALLET Agent or ZedMobile Retail Center near you for a SIM card replacement with your identification document
Your ZEDWALLET account can be unfrozen and safely transferred to your new number by our retail staff.

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.

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