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SWIFT code for Diamond Access Bank Nigeria

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SWIFT code for DIAMOND Access BANK Nigeria
SWIFT code for DIAMOND Access BANK Nigeria



Swift Bic Code for access Bank plc Nigeria, actually refers to an important 8 digit called that is used to send money from other international banks to access bank in Nigeria. According to money transfer website SWIFT code for diamond access Bank Nigeria, also called swift number, is a standard bank identification number or code (BIC) which identifies all international banks and financial institutions locally.

This code also acts as road that routes money from one bank to the other when customers initiate transfers between banks internationally or incase of an online purchase. The codes also at as means of communications between bank A and bank B to get more details on the transfer, ask for customer details and money transfer services from bank to other national banks. The only difference with other r countries been that the Nigerian Banking system for Swift code consist of between 8 to 11 long characters consisting of digits and letters.


To find your banking swift or routing number in Nigeria, simply just contact your bank branch or check on your monthly banking statement. Every bank statement should reflect the bank account statements which consists of a persons bank details, such as numbers, account number ad also swift codes for receiving international bank transfers.

If your bank provides an online banking portal, then simply just log online, enter the banking digit code and password to access online banking then click on bank statement to see the SWIFT code for Diamond access Bank plc Nigeria.

Diamond access bank has been one on the most top rated banks in Nigeria. If you’re intending to send money from another bank to access bank of Nigeria, then you will need to have a swift code otherwise commonly called the BIC Code Diamond Bank Plc. This is a nine digit code that is used to make an transfer money online in an affordable and most efficient manner from your bank of choice to Diamond access Bank plc.

BIC & SWIFT Code for Diamond access Bank Plc located in Nigeria, ensure and provide the coverage to customers that enhances financial transfers of all major national banks in the country. Take note that in Nigeria the SWIFT or BIC Code for the Diamond Bank Plc is actually unique, depending on the type and location or branch of the bank you’re sending money to or initiating the transfer towards.

ACCESS BANK SWIFT code for international transfer

Even though you might only be interested in finding swift code for access Bank, its important to also know access bank Iban number in Nigeria which is GB74CITI18500811071238 for sending Euro currency and dollar from other international countries to Nigeria within few days.

SWIFT code for ACCESS BANK Nigeria is this 8 characters code ABNGNGLAXXX valid for the year 2021 and beyond. Don’t for get to also include the Branch code important for routing which is ACCESS BANK PLC and the branch code which is 999C, location Dan mole Street, Victoria Island.

Zenith bank routing number in Nigeria

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Zenith bank routing number
Zenith bank routing number

Zenith Bank Plc is one of the lading banks in Nigeria with over five hundred branches in the country and operational business offices located in professional business locations of every populated federal state of the federations and federal capital territory hence people look for Zenith Bank Routing Number in Nigeria.

Founder of the bank is Jim Ovia who actually founded the bank as a sore trader years ago and now one of the largest commercial banks in Nigeria. He is the largest shareholder of the business, chairman and stake of more than 9% shares in Zenith bank plc today as of 2015. Zenith is the second richest bank in Nigeria with Net worth of ₦8.970 Trillion.

Today over a millions online computers users and people dealing with finances wonder and ask what is the routing number of Zenith bank? I had someone from Nigeria, who actually wondered and once wanted to know if is sort code same as routing number? But majority always wonder what is Zenith bank Nigeria Swift code and what is the code for Zenith bank.

In this article we cover everything you need to learn about Zenith Bank Plc which is one of the largest most trusted African banks with headquarters in Nigeria. Hence its very important taking note of Zenith bank routing number in Nigeria. This article should help with process to check details of routing number when sending money from and outside the country.

Routing number, otherwise sometimes popularly referred to as sort codes are very important 9 digits of numbers, having first three digits which represents the bank you’re sending money to, which is the recipient, while fourth number on the digits represents bank location. Then last five numbers represent branch that’s supposed to receive the money.

Zenith bank routing number in Nigeria

CODEZEITH BANK ROUTING NUMBERSCOUNTRY ZENITH BRANCHES
1057230014NigeriaABA
2057210021 Nigeria ABA ROAD
3057330011 Nigeria ABAKALIKI
4057170019 Nigeria ABEOKUTA
5057080015 Nigeria ABUJA
6057150657 Nigeria ABULE EGBA
7057150709 Nigeria ACME ROAD
8057150343 Nigeria ADENIRAN OGUNSANYA
9057150204 Nigeria ADETOKUNBO ADEMOLA
10057150547 Nigeria ADEYEMO ALAKIJA
11057340014NigeriaADO-EKITI
12057150686NigeriaAGBARA
13057190044NigeriaAGBENI MARKET
14057240033NigeriaAGBOR
15057150521NigeriaAGIDINGBI
16057150437NigeriaAGUDA
17057080099AHMADU BELLO WAY
18057150372AIRPORT ROAD
19057010030AKA ROAD
20057150288AKIN ADESOLA
21057150660AKOWONJO
22057180012AKURE
23057150576ALABA INTERNATIONAL
24057150165ALLEN AVENUE
25057150754ALLEN II
26057080044AMINU KANO 1
27057080109AMINU KANO 2
28057150615AMUWO ODOFIN
29057150505ANTHONY
30057150055APAPA
31057150835APAPA RD
32057230030ASA ROAD
33057240020ASABA
34057040055AUCHI
35057020046AWKA
36057150550BAR BEACH
37057030010BAUCHI
38057040013BENIN
39057040042BENINAIRPORTRD
40057160032BIDA
41057270016BIRNIN KEBBI
42057210047BONNY ISLAND
43057150275BOURDILLON
44057150631BROAD STREET
45057200028BUKURU
46057080060LAW SCHOOL (BWARI)
47057070012CALABAR
48057150725CATHOLIC MISSION ST.
49057080073CENTRAL BUS. DISTRICT
50057150301TRINITY
51057150107COKER
52057150848COMPUTER VILLAGE
53057150330CREEK ROAD
54057310015DAMATURU
55057150194DOPEMU
56057260013DUTSE
57057150712EJIGBO
58057010027EKET
59057040068EKPOMA
60057250010ENUGU 1
61057250023ENUGU 2 (OGUI RD)
62057150220ERIC MOORE
63057250036ESTATE LAYOUT
64057240062EZENEI AVENUE
65057150217FALOMO
66057150233FESTAC
67057130020FUNTUA
68057080028GARKI
69057150738GBAGADA
70057350017GOMBE
71057370013GUSAU
72057080112GWAGWALADA
73057150602H/O ANNEX II
74057150796H/O ANNEX III
75057020033BRIDGE HEAD
76057150013HEAD OFFICE
77057150424HERBERT MACAULEY
78057190015IBADAN
79057190031IBADAN 3
80057150851IDIMU
81057150741 Nigeria IDI-ORO
82057150039 Nigeria IDUMAGBO
83057150026 Nigeria IDUMOTA
84057170022 Nigeria IJEBU ODE
85057150534 Nigeria IJU
86057150042 Nigeria IKEJA
87057150314 Nigeria IKEJA GRA
88057070038 Nigeria IKOM
89057150385 Nigeria IKORODU
90057150644 Nigeria IKORODU ROAD
91057010043NigeriaIKOT EKPENE ROAD
92057150479 Nigeria IKOTA
93057150518 Nigeria IKOTA SHOPPING COMPLEX
94057150136 Nigeria IKOYI
95057040026 Nigeria IKPOBA HILL
96057210034 Nigeria IKWERRE ROAD
97057290025 Nigeria ILE-IFE
98057290038 Nigeria ILESA
99057140010 Nigeria ILORIN
100057150123 Nigeria ILUPEJU
101057150408 Nigeria INT’L AIRPORT TERMINAL
102057150084 Nigeria ISOLO
103057190028 Nigeria IWO ROAD
104057300012 Nigeria JALINGO
105057200015 Nigeria JOS
106057110011NigeriaKADUNA
107057110037 Nigeria KADUNA 2
108057110040 Nigeria KAFANCHAN
109057120014 Nigeria KANO
110057120027 Nigeria KANO 2
111057130017 Nigeria KATSINA
112057150864 Nigeria KETU
113057150877 Nigeria KINGSWAY
114057150291 Nigeria KOFO ABAYOMI
115057160045 Nigeria KOTANGORA
116057360010LAFIA
117057150178LAGOS CENTRAL
118057080125 BWARI
119057150699LAWANSON
120057150398LEKKI
121057150880LIVERPOOL
122057280019 Nigeria LOKOJA
123057150770 Nigeria MAGODO
124057060019 Nigeria MAIDUGURI
125057060022 Nigeria MAIDUGURI 2
126057050016 Nigeria MAKURDI
127057080057 Nigeria MARARABA
128057150068 Nigeria MARINA
129057150628 Nigeria MARINA II
130057150071 Nigeria MATORI
131057150453 Nigeria MEDICAL ROAD
132057160016 Nigeria MINNA
133057150822 Nigeria MOLONEY
134057090021 Nigeria MUBI
135057150589 Nigeria MURI OKUNOLA
136057020059 Nigeria NKPOR
137057210050 Nigeria NNAMDI AZIKWE(OGINIBA)
138057020020 Nigeria NNEWI
139057250052 Nigeria NSUKKA
140057280022 Nigeria OBAJANA
141057140023OFFA
142057150110OGBA
143057020075OGIDI
144057070025OGOJA
145057150466OGUDU
146057150356OGUNLANA DRIVE
147057150893OJODU
148057040084OKADA
149057150181OKE ARIN
150057100021OKIGWE
151057150411OKOTA
152057150440OLD OJO ROAD
153057150369OLOSA
154057150783OLOWU
155057020017ONITSHA
156057210076ONNE
157057150259OPEBI
158057150246OREGUN
159057290012OSHOGBO
160057100018OWERRI
161057150767OZUMBA MBADIWE
162057210089OYIGBO
163057040071SAPELE ROAD
164057150327PALM AVENUE
165057150903PEN CINEMA
166057210018PORT HARCOURT
167057250065PRESIDENTIAL ROAD
168057020062RELIEF MARKET
169057210063RUMUIBEKWE
170057120030SABON-GARI
171057150495SANGO OTA
172057150592SANUSI FAFUNWA
173057240046SAPELE
174057170035SHAGAMU
175057220011SOKOTO
176057150563ST. FINBARRS ROAD
177057160029SULEJA
178057150097SURULERE
179057150673TEJUOSHO
180057150262TRADE FAIR
181057080086TRANSCORP HILTON
182057230027UMUAHIA
183057120043UNITY ROAD
184057040039USELU
185057080138JABI
186057080141UTAKO
187057010014UYO
188057150149VICTORIA ISLAND
189057240017WARRI
190057240059WARRI II
191057150152WHARF RD
192057080031WUSE
193057150055SNAKE ISLAND
194057320018YENAGOA
195057090018YOLA
196057110024ZARIA
197057250049ZIK AVENUE
198057150806ALUMINIUM VILLAGE
199057150819GBAGADA 2
200057150916LASU
201057050029OTUKPOR
202057240075ABRAKA
203057080154EFAB
204057150929FALOMO R/ABOUT
205057150932ADENIYI JONES
206057150945MOBIL ROAD
207057150958SANGO OTA 2
208057190057BODIJA
209057150961LEKKI EXPRESSWAY
210057080167MAITAMA 2
211057210092ABA ROAD 2
212057210102AZIKIWE ROAD ,P/H
213057030023AZARE
214057150974LASPOTECH
215057150987EPE
216057080170GARKI MODEL MKT
217057210115OMOKU
218057100034 Nigeria ORLU
219057330024NigeriaAFIKPO
220057150990 Nigeria KUDIRAT ABIOLA WAY
221057151009 Nigeria BOLADE OSHODI
222057120056 Nigeria HOTORO
223057151012 Nigeria ILUPEJU 2
224057080183 Nigeria CENTRAL BUS. DISTR 2
225057330024 Nigeria NEW WUSE
226057040097 Nigeria UNIBEN
227057040107 Nigeria SAKPOBA ROAD
228057040110 Nigeria EKENWA ROAD
229057151025 Nigeria BADAGRY
230057180025NigeriaONDO TOWN
231057151038 Nigeria ASPAMDA
232057060035 Nigeria MAIDUGURI 3
233057310028 Nigeria POTISKUM
234057120069 Nigeria WUDIL
235057080206 Nigeria FED SECRETARIAT
236057151041 Nigeria ALAGBADO
237057151054 Nigeria TRINITY 2
238057020088 Nigeria EKWULOBIA
239057151067 Nigeria KEFFI
240057151070 Nigeria SATELLITE TOWN
241057240088 Nigeria UGHELLI
242057020091 Nigeria UMUNZE
243057040123 Nigeria MISSION ROAD
244057080219 Nigeria KUBWA
245057040136NigeriaUROMI
246057100047NigeriaOWERRI
247057151083 Nigeria OGBA 2
248057151096 Nigeria IKOTUN
249057151106 Nigeria AGEGE MOTOR RD
250057151119 Nigeria EBUTE-ERO
251057140036 Nigeria ILORIN 2
252057230043 Nigeria ABA 3
253057080222 Nigeria DEI-DEI
254057080235NigeriaNATIONAL ASSEMBLY
255057010046 Nigeria UYO 3
256057151122 Nigeria AKUTE
257057151135 Nigeria SEME-BORDER
258057080248NigeriaDUTSE ALHAJI
259057080251 Nigeria ENUGU HOUSE ABUJA
260057190060NigeriaOYO TOWN
261057190073NigeriaOLUYOLE
262057170048 Nigeria OWODE
263057330024 Nigeria ABAKALIKI 2
264057020101 Nigeria ELECTRONIC MRKT
265057080264 Nigeria GWARIMPA
266057080277 Nigeria KEBBI HOUSE
267057080280 Nigeria MAPAPE
268057280035 Nigeria OKENE
269057080293 Nigeria EAGLE
270057200031 Nigeria JOS 2
271057070041 Nigeria MARY SLESSOR
272057170051 Nigeria OKE ILEWO
273057240091 Nigeria PTI  ROAD
274057151148 Nigeria LADIPO OLUWOLE
275057151151 Nigeria ALAUSA
276057120072 Nigeria KOFAR RUWA
277057300025 Nigeria WUKARI
278057080303 Nigeria SULTAN ABUBUKAR

To get other best services call, or send an email to any of the available Zenith agents working 24/7 otherwise the above listed are Zenith bank routing number in Nigeria.

Regions Bank Routing Number for Wires

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Regions Bank Routing Number for Wires
Regions Bank Routing Number for Wires

Regions Bank Routing Number for Wires With its Headquarters in Alabama, Regions Bank is a chartered bank in the United States of America. It is quite a significant financial institution where personal banking, commercial banking and other banking services for businesses are on the cards. Regions Bank was founded in 1971 and to date the bank operates branches in more than 1,700 locations across the country hence why we share with you Regions Bank Routing Number for Wires.

Like many other prominent financial institutions, Region’s bank offers money transfer services and among them wire transfers. For these transfers to take place there are numbers required and these are known as routing numbers. Before we look at Regions Bank Routing Number for wires, you may be interested in some definitions.

Regions Bank Routing Number for Wires And Money Transfer

Wire Transfer

This is an electronic way of transferring money from one bank to another- this is not limited to banks only but also building societies and other financial institutions.

Routing Numbers

The recipient of funds (holder of a checking account) should provide the sender of the wire transfer a routing number. Regions Bank Routing Number for Wires comes in two forms, one for domestic wires and another for international ones. This number has to be accompanied by the recipient’s checking account number where the money is being transferred to. Financial transactions are delicate therefore the appropriate routing number and your checking account numbers should be sent ensuring no mistakes have been made.

Information provided to the public according to ccbank.us for available Regions routing numbers for all the local and domestic wire transfers is 062005690. If you intend to send money or make an international wire transfer the routing number to use is UPNBUS44.

For domestic wire transfers, routing numbers vary by state. This could mean Regions Bank Routing Number for Wires done domestically is not universal. The recipient should provide a particular routing number depending on which state they are receiving the funds from.

Here is a list of Regions Bank routing numbers for each state where the institution operates.

082000109 – Arkansas

053012029 – North Carolina

053201814 – South Carolina

061101375 – Georgia

071122661 – Illinois

074014213 – Indiana

073900438 – Iowa

062000019 – Alabama

111900785 – Texas

083901744 – Kentucky

065403626 – Louisiana

065305436 – Mississippi

081001387 – Missouri

063104668 – Florida

064000017 – Tennessee

051009296 – Virginia

Regions Bank Routing Number for Wires can be located on a cheque so one does not necessarily need to memories the long numbers, let alone for different states. Recipients may just take a picture of the routing numbers for the sender. This will also curb funds being lost by making small errors.

If you’re interacting with an article of this sort, the aspect of wire transfers may be foreign to you. Let us have a look at the actual process of sending money through a wire transfer also known as ‘wiring money.’

 This method of transferring funds is quick and overrides most of the conventional methods like RTGS among others. Technological advancement saw the development of such an initiative and customers need to keep up with how to use it.

As mentioned earlier in this article, Regions Bank customers have access to services of both Domestic Wire Transfers and International wire transfers. This means they can receive and send money locally as well as internationally.

International Wires

For international wire transfers a special code known as the SWIFT Code is necessary, apart from the routing numbers.

For the transfer process to begin, the sender’s bank or financial institution has to receive recipient’s account details.

Regions Bank wire transfers can be done online without having to visit any branch. However, some customers may need assistance, hence it is necessary for them to visit their local branches for assistance.

Local Wires

These domestic wire transfers are quite efficient, making sure your transactions are complete within a period as little as 24 hours.

Just as it is with international wires, the recipient of a domestic wire transfer should provide their bank account details to the sending financial institution.

Therefore here is the required detailed well articulated banking information for you to use if you need to make domestic wires as provided by region Bank its self: Bank name is called Regions Bank and the routing number is 062005690.

Physical address of Region Bank is located in Birmingham, Alabama state. To ensure a successful transfer, ensure the Beneficiary’s Name, and full name actually appears as it is on your statement. You will need Beneficiary’s personal account number and the complete Bank account number”

Below is all valuable needed banking information to make international wires possible as provided by Region Bank in 2021.

“Swift Code – UPNBUS44

Bank Name – Regions Bank

Routing Number – 062005690

Address of Bank – Birmingham, AL

Beneficiary’s Name – Your name as it appears on your statement

Beneficiary’s Account Number – Your full Regions Bank account number”

14 Profitable Business ideas(Zambia)

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Business Ideas In Zambia to Earn Money
Business Ideas In Zambia to Earn Money

For everyone based in Zambia there’s high increase for what business to invest into and earn a good living from selling products. Therefore in this article we share list of small scale business ideas in Zambia. These business ventures, can be implemented with less capita. But others would need at least a little bit more startup income and cash. You can get on today, by choosing on of the following profitable business ideas. Stop dreaming and implement your business idea by making it a reality today.

What business is more profitable in Zambia?

The ones we have shared below are the most recommended business considered profitable. There’s a million ways to make money and actually very easy becoming your own boss from these businesses. Some businesses on this list can be stared with little income, which is very good if you have been asking people, “what business can I start with a k1000”. Quickly find answers below for what business is more profitable in Zambia.

List of business ideas in Zambia

  1. Money Transfer Services
  2. Food Business
  3. Web Development
  4. Selling Mealie Meal
  5. DSTV Agent
  6. Stock Business
  7. Importing Goods
  8. Car Dealership
  9. Selling Electronic Goods
  10. Advertising Business
  11. Courier Services
  12. Farming Business
  13. Charcoal Distributor
  14. Bureau De Change

Here’s 14 Best Profitable Businesses Ideas For Zambians

1.Money Transfer Services

In every economy , money is the most important necessity. Today with the introduction of digital currency, people in Zambia have reduced on the need to use a bank when sending money. This has been to cut on long queues and to reduce on time wasted. No one wants to stand in line for so long just to get money, but with introduction of mobile money and other transfer services.

Its become easy for people with money transfer services, such as MTN mobile money, Airtel Money, Western Union, Kazang, and Zoona to make more than you can ever imagine as commission for providing such a service to the public. Learn more about money transfer service business and how you can get stated below!

  • MTN Mobile Money

MTN mobile money is one of the fastest mobile wallet services which allow account owners to send and receive money through their mobile device. We have added MTN mobile money to this list of small scale business ideas in Zambia because its one of the most paying money transfer service business.

  • Airtel Mobile Money

Airtel mobile money service is a mobile wallet service similar to MTN mobile money and provides same services which include receiving and send money to friend’s or family. Visit there main website for more information on how you can become an agent for Airtel and earn from your business.

  • Western Union

Western union money transfer provides an opportunity for people to send money outside the globe, family and friends. Western union is one of the well paying on this list of small scale business ideas in Zambia. You get your commission in dollars for outside going transactions and incoming transactions as an agent. To become a western union money agent, please visit western union agent portal and apply.

2. Food Business

Selling food is one of the leading business ideas in Zambia. Nothing can be compared to this today if you want to make money. People need to eat every day, therefore selling of food, restaurant business or butchery is the best business idea you can ever do. Based on the correct exchange in Zambia, food despite becoming more and more expensive, people selling are actually benefiting more.

3. Freelance Web Developer

Web development with an increase in demand for online presence from people and businesses. Freelance web development has significantly impacted more people positively earning more than you can imagine from this job today. There’s over a million jobs for web development on job portals. And as an advantage you can earn even more from making mobile Apps and some add-on services such as SEO.

Web development is different from webs designing in so many ways. One of them includes that you will be required to start learning how to code and produce mark ups from scratch. Luckily today there’s a digital agency committed to teaching people how to become developers in Zambia. Enroll now at an affordable fee. After your learn within few months they will even help you on ways to get your first top dollar job.

Web development is among best paying business ideas, because according to online survey for good paying jobs it was recorded established freelance web developers in Zambia make over K90,000 – K180,000 per year. This is an annual amount from both local, freelancing and international jobs. Web development charges in Zambia, range from K15,000 for an ecommerce website, K8,000 for medium sites and 4,000 for smaller personal websites.

4.  Selling Mealie Meal

Today’s demand for increased need of mealie meal has turned to be one of the best and well paying business. Nshima been the country’s staple food, 80% of citizens depend on this for food, during lunch and supper. Not only is Nshima nutritious but also affordable, gives more and just appetizing.

Prices for mealie meal have been hiking each year, hence opening doors for more people to join the business of selling this product. Another option available been, you can become and agent for some big milling company and earn income through commissions per month. YOU can also try to become a mealie meal distributor for your town if you have little bit of more capital.

5. DSTV Agent

DSTV is a subsidiary of multi-choice company, which offers digital televising shows to customers for paid TV services. Its been around for over 30 years and having over 2 million customers actively subscribed to the services in Zambia. People engaged in this business shared how much they make depends on customers paying. Commissions for each customer go up to 20% of an amount paid. The more customers you get actively coming to your outlet, more chances of earning more money. Therefore its important and advised to find good location and add variation of products.

6. Stock Business

Stock also known as equity is a security that represents ownership of an individual within a particular company. Its among the best well paying business ideas in Zambia, because shares get sold at par value which is the total cost of shares in stock, converted to money. You earn money through buying and selling shares. Meaning you make 500,000 for selling 10 shares of your stock if you have 100 shares valued at 500 kwacha par value. You can visit the Lusaka stock exchange website on how to find agents and ways you can buy your first shares.

7. Importing Goods

Another important business venture on our top 15 business ideas in Zambia Profitable, deals with importation of foreign goods in the country. Due to currency advantages the kwacha has, it is an exceptional business buying goods out the country and selling locally. There’s so much one can buy outside Zambia and sell locally, from electronic goods, clothing, cars, food, etc.

8. Car Dealership

Dealing in this business of selling vehicles has proven to be profitable from time to time. People need vehicles because its an important necessity for everyone who needs mod e of transportation. Car dealer earn more than 50% from the money invested per vehicle. Running a distributional vehicle selling center for second hand cars at retail level is a very profitable business.

9. Selling Electronic Goods

Electronic goods refers to anything that requires power to operate and function. Its been proven to be a safe business, selling and distributing electronic components. You can sale, money things in Zambia today, from car batteries, televisions, decoders, radios, music equipment, etc.

10. Advertising Business

Advertising business involves selling space for companies and business to rent in order to advertise there products. Advertising ranges from billboard, website advertising, radio and television. If you own a radio station then its an opportunity to ale advertising space to companies. Don’t forget making a website and selling advertising space is good profitable business. Among major business ideas in Zambia, advertising business is the less saturated but profitable venture to earn money and an entrepreneur.

11. Courier Services

Start a courier services and parcel delivery company. It has been increasing on its demand locally. Most people have given up on working with local postal services to send parcels. Hence opening this type of business, that involves sending parcels on behalf of clients can be very profitable. You can choose from many categories, which includes food delivery, clothing, electronics, etc. If you have some capital it can be diversified to also deliver goods locally from outside the country.

12. Farming Business

Purchasing land for agriculture is another great business idea in Zambia. Even though you would need land, once that gets settled out. It becomes easy to grow crops in Zambia. The countries climate system and weather patterns through out the year, makes it very convenient for farming. There’s’ a broad market of people, companies and supermarkets locally ready to buy farm products in bulk.

Most local farmers, sale farm products to government at an accelerated rate. Its profitable especially when there is shortage of maize on the market. Foreign nationally owned businesses, promote local farmers, farming fruits and vegetables. You can sale products to companies such as ShopRite and Choppies.

13. Charcoal Distributor

Over 2 million houses in Zambia today still rely on using charcoal for cooking. Despite most homes having electricity, load shedding has impacted more people severely in recent years. Hence this business has become source of income for charcoal burners. Anyone who’s willing can embark on distributing charcoal, either as a producer or retailer supply to homes.

14. Bureau De Change

A bureau de change, otherwise also known as currency exchange is one of the most profitable business ideas in Zambia you can start. This is a type of business people come to exchange one type of currency for another. Its good because some people avoid banks due to long queues and procedure. You get to set your own exchange rate change that’s what makes it profitable.

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Banks in Zambia(Overview)

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Top Banks in Zambia
Top Banks in Zambia

This article shows top banks in Zambia and their addresses. “BOZ” is a central Bank, in charge of regulating financial institutions, including commercial banks in Zambia. Other functions of top banks in Zambia, include Performing a role of central bank. Therefore, prescribes banking regulations and ensures fiscal control.

Thus, its action include financial and monetary policies regulations. Bank of Zambia, hence ensures commercial banks adhere to policies. BOZ was established in 1964, immediately after Zambia became a independent state. Thus, making it a predecessor for Bank of northern Rhodesia for these Banks in Zambia and their addresses.

Here’s what you will find in this article:
  • Banks in Zambia you must know
  • Bank of Zambia and its functions
  • International banks in Zambia
  • Market share of banks in Zambia
  • List of commercial banks in Zambia, including list of foreign banks in Zambia
  • And how many banks are in Zambia the total number of those operating locally.

Zambia with a stable financial market, opens doors to bank investors every year. More than 20 Banks in the country currently operational, located nationwide. You can easily find any bank in each town and province. Additionally, this list includes private and Government banks.

Functions Of The Central Bank (BOZ)

Central bank deals with implementation of fiscal and monetary policies. Its in charge of monitoring cash reserves, money flow and controls of foreign balances. Another major function, been to ensures money circulation. Zambian central bank control’s credit loans as well.

It protects the depositor’s Interest, and provides guidance during any financial crisis. Provides supports toward the central government. Mostly applying to a budget deficit. Control of treasury bills, as well as Government bonds are close monitored by the central bank.


Top Banks in Zambia (Assets, Revenue & Net Profit)
Bank NameTotal AssetsRevenueNet Income & Profit
Access Bank Zambia1.05 billion (ZMK)22.5 million (ZMK)11.7 million (ZMK)
First Alliance Bank678.08 million (ZMK)112 million (ZMK)25.91 million (ZMK)
Investrust Bank1.19 billion (ZMK)148.1 million (ZMK)38 million (ZMK)
Ecobank Zambia1.5 billion (ZMK)1.19 million (ZMK)19 billion (ZMK)
Cavmont Bank Limited946.84 million (ZMK)120.15 million (ZMK)696,000 million (ZMK)
Stanbic Bank92.1 million (ZMK)19.65 million (ZMK)88.4 million (ZMK)
Absa Bank Plc192.1 billion (ZMK)92.1 million (ZMK)112.1 million (ZMK)
Standard Chartered Bank Zambia292.5 billion (ZMK)192.1 million (ZMK)982.1 billion (ZMK)
Zambia National Commercial Bank200 billion (ZMK)130.9 million (ZMK)5.19 million (ZMK)

Today Zambia has 20 privately owned Banks operational. Government controls part of the banking sector to ensure monetary policy. Part of the strategy to improve fiscal discipline and IMF’s economic program. Improves economic and GDP growth. If you have interest to start a business and invest in Zambia’s banking sector. This guide will give you an overview of top banks in Zambia and their addresses.


Top 20 Banks in Zambia(Overview)

Bank NameBranch NameP.O BoxContactLocation
ACCESS BANK ZAMBIA LIMITEDAB BankP.O. Box 38173, LUSAKA+260-211-220830/33Lusaka
AFRICAN BANKING CORPORATION ZAMBIA LIMITEDBankABCP.O. BOX 39501, LUSAKA+260-211-227941Lusaka
AB BANK ZAMBIA LIMITEDAccess+260-211-220830/33Lusaka
ABSA BANK ZAMBIA LIMITIED PLCAbsa BankPO Box 31936+260-211- 225553Lusaka
BANK OF CHINA (ZAMBIA) LIMITEDBOCP.O. BOX 34550, LUSAKA+260-211-238711Lusaka
ECOBANK ZAMBIA LIMITEDEcobankP.O. BOX 36187, LUSAKA+260-211-250202/4Lusaka
CAVMONT BANK LIMITEDCavmontP.O. BOX 32222, LUSAKA+260-211-224280/6/7Lusaka
CITIBANK ZAMBIA LIMITEDCitibankP.O. BOX 30037, LUSAKA+260 211 444492/93Lusaka
FINANCE BANK ZAMBIA LIMITEDFBZP.O. BOX 36762, LUSAKA+260-211-221808Lusaka
FIRST NATIONAL BANK ZAMBIA LIMITEDFNBP.O. BOX 36187, LUSAKA+260-211-366800Lusaka
FIRST ALLIANCE BANK ZAMBIA LIMITEDFABP.O. BOX 36326, LUSAKA+260-211-229303-6Lusaka
FIRST CAPITAL BANK ZAMBIA LIMITEDFCBP.O. BOX 32678, LUSAKA+260-211-368700Lusaka
INTERMARKET BANKING CORPORATION LIMITEDIntermarketP.O. BOX 35832, LUSAKA+260-211-227227-8Lusaka
INDO-ZAMBIA BANK LIMITEDIndo-ZambiaP.O. BOX 35411, LUSAKA+260-211-224653Lusaka
INVESTRUST BANK PLCInvestrustP.O. BOX 32344, LUSAKA+260-211-294682/5Lusaka
STANDARD CHARTERED BANK PLCStanchartP.O. BOX 32238, LUSAKA+260-211-229242-60Lusaka
STANBIC BANK ZAMBIA LIMITEDStanbicP.O. BOX 32111, LUSAKA+260-211-229285-6Lusaka
UNITED BANK FOR AFRICA UBAP.O. Box 36794, LUSAKA+260-211-255897Lusaka
ZAMBIA NATIONAL COMMERCIAL BANK PLCZanacoP.O. BOX 33611, LUSAKA+260-211-228979/82Lusaka

Requirements For Setting Up a Bank In Zambia

Do you plan to start you own Banks In Zambia? Probably to finance your own banking business. Well, here are the requirements to start a banking business in Zambia and procedure.

Banking business procedure and requirements to operate a financial banking institution in Zambia. The banking system of Zambia is regulated by the Bank of Zambia through a Banking and Financial Services Act (BFSA).

Its an original document drafted in 1994, to provide an institution authority to operate and execute banking privileges. Zambian Banks acquire licenses after making applications.

This ACT enables authority which includes regulating and supervision of a all the banks registered in the country. This is to ensure there is no violation affecting the financial echo system. It extends its objective to promote a safe environment for both institutions and the customers using banks.

Banking incenses to have a bank business in Zambia, is executed by the Registrar of Banks. Registrar of Banks gives incenses to those wanting to run a bank and any other financial Institutions. Registration can be done by visiting Registrar of Banks office situated at the main head office of Bank of Zambia, Lusaka.

How To Obtain A Bank License In Zambia
  • Clearance Of A Name: Formal submission of a proposed name is to be made to the company name registrar. To avoid any complications that may arise from conflicting of bank names. Any proposed name for a particular bank must be cleared, validated and approved. Approval of bank name is done by Registrar of Companies or Registrar of Societies if a formal written document.
  • Registration of Company at Patents (PACRA): Immediately the bank name has been approved, application must proceed to send application for registration. Particularly apply to patents and companies registration agency.
  • Informal Filling Stage With Applicants: A meeting is held with applicants to explain in detail the requirements, draft a feasibility strategy and proposal reveal. Major requirements are explained during this stage to future bank owners.
  • Submit A Formal Application: Submit a formal application to the registrar of banks, a thorough review is carried out to grant a license. From these top banks in Zambia Within 180 days applicants get a response telling them a response if the application was approved or denied.

Registrar of banks can choose to accept or deny approval of any applicant, based on a number of things. An application is considered completed having met the important requirement and a fee for license requirement paid.

  • Banking License Requirements: The following forms collected from Bank of Zambia must be filled in and completed. A Form BFI filled by the beneficiaries directors, chief executive officer, shareholders, etc as well as chief financial officers.
Banking Fees:
  • An application none-refundable fee of 50,000 units of fees K9,000,000 (current) to be paid during application.
  • Annual fee of 25,000 units of fees to be paid K4, 500, 000 (current) every year in the first month.

Commercial Banks In Zambia (Overview)

These are the best investment and Commercial Banks In Zambia that perform the following duties:

  1. Rendering best banking services to people of the country and government.
  2. To control license, supervising and regulate small financial institutions in Zambia. Ensure safe financial flow and operational transactions.
  3. Finally Commercial Banks manage currency conversions, payment systems, currency flotations and carry out operations of the central bank.

Image below shows a complete list for all Commercial Banks In Zambia

Top Banks in Zambia

Hence , you can immediately open a Bank account with any of these banks today. They provide extensive banking solutions and all types of bank accounts. You can register online, through a phone and preferably personal registration for good interest rates. Within minutes you can have a fully working bank account working under your name. YOU will be greatly helped by top banks in Zambia, since, you have known best banks in Zambia and their addresses.

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Top 10 Banks in UK

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Top 10 Banks in UK 2021
Top 10 Banks in UK 2021

Four banks (HSBC, Barclays, Lloyds and NatWest Group) dominate the sector yet there are approximately 350 banks in the United Kingdom, inclusive of 160 foreign deposit banking institutions. These are Top 10 Banks in UK 2021, representing the country’s banking sector, making it the fourth largest in the whole of Europe.

They also have 47 building societies who are allowed to accept deposits. The United Kingdom also boasts of the second oldest central bank in the world (the Bank of England), established on July 27 of 1694. Its impossible discussing about money, finance and banking without mentioning be top 10 banks in UK. Below is a list of the best banks in the UK in terms of total assets.

1. HSBC

This is the largest and best bank in the country as far as assets and market capitalization is concerned. HSBC operates about 3 600 branches and offices worldwide, employs more than 226 000 people and has over 40million clients. Key business areas for these top 10 banks in UK 2021 are: commercial and private banking, retail banking, wealth management, global banking and market. As of December 2020, HSBC was worth about USD3 trillion in total assets.

2. Barclays

Barclays is a very popular bank worldwide, arguably even more than HSBC, though it sits on the position of second best in the UK. For your corporate banking, wealth management, foreign exchange, insurance, savings and current accounts, mortgages, credit and debit cards, money transfer, online banking and other services; Barclays offers all through one of the largest branch and ATM network in the country. The company’s Headquarters is in London and it employs over 84 000 people. In 2020 they made a revenue of USD30 billion and a net income of USD3.3 million.

3. Lloyds Banking Group

In third position is a banking group whose main line of business is retail and commercial banking, life and non-life insurance, pension and investment services. The company has subsidiaries namely; Lloyds Bank, Bank of Scotland, Scottish Widows, Lloyds Development Capital, Agricultural Mortgage Corporation, Black Horse Ltd and Lex Autolease among others. The company was established in 1765 and is listed on the London and New York stock exchange.

4. NatWest Group

NatWest Group was formerly RBS Group and has its headquarters in Edinburgh. This banking and financial services provider has about 60 000 employees and 19 million customers. The company’s subsidiaries are well-known brands including NatWest, Royal Bank of Scotland, Uster Bank, Coutts, Adam and company, Child and co, Drummonds, Isle of Man Bank, Lombard and Holt’s Military Banking. For the year ended December 31 of 2020, the group recorded £10.8 billion in revenue and £44 billion in total equity.

5. Standard Chartered

Standard Chartered plc is a global financial services organization which operates in over 60 markets and has more than 1 000 branches. Its banking services include wholesale and consumer including deposits, personal and business loans, wealth management, auto finance, mergers and acquisition advisory, online banking, international money transfer and more. Standard Chartered was named “Best Consumer Digital Bank” by Global Finance.

6. Santander UK

This is the largest foreign bank and third largest mortgage lender in the UK. Santander UK plc is also the fifth largest commercial lender in the country. It offers savings and investment, accounts, mortgage loans, car loans, business lending, insurance as well as a range of credit cards including everyday credit card, all in one credit card, zero credit card and Santander World Elite Mastercard.

7. Nationwide

This one is the largest building society in the country and it is based in Swindon, Sout West England. Swindon Building Society is also the largest in the world and employs approximately 18 500 people and stretches its service to over 16 million members. Swindon offers savings and current accounts, mortgages, personal loans, credit cards, retirement and investment services. For the year ended in April 2020 the company reported a profit after tax of £365 million.

8. Virgin Money

Virgin Money plc is the eighth largest bank in the UK by assets and offers an array of products and services. They provide cash ISAs, stocks and shares ISAs, fixed terms accounts, unit trusts, life and travel insurance, auto insurance, pension and retirement products, international money transfers, commission-free currency, travel credit cards, all round and purchase credit cards, prepaid cards, online and telephone banking to metion a few. The company trades on the London Stock Exchange and the Australian Securities Exchange (SAX)

9. Investec

This is a specialist bank and investment manager which offers private, corporate and investment banking, wealth and asset management, advisory services, securities trading and more. It trades on the Johannesburg and London stock exchanges with a market capitalisation of USD3.1 billion as of March 31 of 2021.

10. The Co-operative Bank

This bank is British and based in Manchester. It is a retail and commercial bank which offers current and savings accounts, consumer and mortgage loans, credit cards, insurance, prepaid funeral plans, financial planning, investments, project finance, treasury services, and mobile and online banking. Most of these top 10 banks in UK 2021 are covered by Financial Services Compensation Scheme (FSCS) which pays compensation if financial services firms fail.

Types of Bank Accounts in Nigeria

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Types of Bank Accounts in Nigeria
Types of Bank Accounts in Nigeria

Each country has a banking system of it’s own and regulations that determine which types of bank accounts can be opened in any of the banks operating in that country. Types of Bank Accounts in Nigeria, explained in this article show how much Nigerians have the liberty to, not only choose from numerous banks, but also from seven types of bank accounts.

The world is going digital and in most cases doing away with hard currency, such that having a bank account is now more of a necessity than a choice. Consequentially authorities and banks are forced to avail a variety of bank accounts to suit conditions of every economical class level.

Top 7 Types of Bank Accounts in Nigeria In 2021

This writer wishes to bring readers to the understanding that, before going to any bank to open an account for what ever reason, they need to know which type of bank accounts best suits the purpose of its opening. In the case of Nigeria, the seven choices are:

1. Savings Account

This is arguably the most common type of account worldwide by virtue of it being the choice of the salaried population demographic. The savings account is also popular because of affordability given the money needed to open one is always low and sometimes it is free. It is a type of account where the money you deposit accumulates interest though the rates are always low. There are also limited number of transactions permissible with this type of account.

2. Current Account

This one is the traders and entrepreneurs who need to; access their money from time to time, withdraw large sums of money and do multiple transactions. When you open a current account, in most cases a cheque book is issued. Money in a current account does not accumulate inerest and the cost of opening and maintaining a current account is relatively higher than a savings account.

3. Fixed Deposit Account

With this type of account, money is deposited for a period of time known as a term. The account holder can not have access to that money until the term ends. In Nigeria, terms are from a minimum of 30 days to a maximum of 180 days. Money in a fixed deposit account accumulates significant interest and is ideal for people saving up for big projects or investments.

4. Joint Account

As the name implies, a joint account is one that is opened in the name of two or more; all signatories to the account. In this type of account, no individual can make decisions concerning the account without the consent of other signatories. Joint accounts are common among business partners and married couples and in Nigeria there are two subtypes of joint accounts. The first one is the “joint-tenancy” which is the one used by couples mostly then the tenants-in-common being the choice for business partners for accountability purposes.

5. Domiciliary Account

A domiciliary account is a special type meant for foreign transactions and can accept foreign currency and send money into other countries. This account is common with big corporates that import and export goods.

6. Corporate Account

This is an account opened by big entities, usually multinational corporations. Corporate accounts are way more superior to personal or investment accounts and it is opened for business purposes.

7. Non-resident Nigerian Account

This is the account for patriotic Nigerians living in the diaspora and want to have an account at home. Non-resident Nigerian accounts make it easy for families in different countries to reach out to each other financially through Types of Bank Accounts in Nigeria.

Due diligence is needed when one is opening a bank account to avoid unnecessary inconveniences when trying to access financial services.