Kwacha-first digital banking

Banking built for Zambia.

Send money, pay bills, save toward a goal, borrow when you need to and run your business — from your phone, or any handset that can dial *123#.

Open an account See what it does

Airtel & MTN money Send to any bank Works offline on *123#

Zambian banks reachable

0 langs

English · Bemba · Nyanja

24/7

Money that moves anytime

Good morning

Chanda M.

EVERYDAY ACCOUNT · ZMW

K 12,480.50

Available · account 01••4823

Send

Top up

Cards

Grow

📥

Salary — Kokeb Ltd

Today · 08:14

+K8,500

⚡

ZESCO prepaid

Yesterday

−K300

📱

Airtime — MTN

Yesterday

−K50

✅

Payment sent

to 0977••231

🔒

Card frozen

in one tap

Scroll

<60s

To send money to another bank

Start saving from one Kwacha

2-tap

Freeze or unfreeze any card

*123#

Full banking, no smartphone

Everyday banking

Your money, clear and in control

A Kwacha account from the moment you join. See exactly what you have, where it went, and move it in seconds — with the recipient's name confirmed before you send.

Send in seconds

To another Kokeb account or any Zambian bank, with confirmation of payee so you never pay the wrong person.

Every transaction, itemised

A clean statement you can search, filter and export to CSV or PDF whenever you need it.

Schedule & repeat

Set up rent, salaries or standing payments once and let them run on time, every time.

Pay and get paid, wherever you are

Move money your way

One app for every way Zambia pays

Cash in from mobile money, send across banks, top up airtime, settle bills and even hold US dollars — without leaving the app.

Mobile money

Move funds in and out with Airtel Money and MTN MoMo in a few taps — your wallet and your bank, finally talking.

Airtel · MTN

Send to any bank

Interbank transfers across Zanaco, Stanbic, Absa, FNB and more — with the payee's name checked first.

6 banks reachable

Bills & airtime

ZESCO tokens, water, DSTV and instant airtime for every network — receipts and tokens delivered on the spot.

Pay in seconds

Hold US dollars

Convert Kwacha to USD and back at a clear rate, and keep a dollar balance for when you need it.

Live FX rate

Confirmation of payee

See the real account name before money leaves your hands — a simple check that stops costly mistakes.

Built into every send

Real-time alerts

Every payment in or out pings your phone the moment it lands — money you can actually keep track of.

Instant notifications

Built for real life

From the market stall to the boardroom

Whether you're a trader, a salaried worker or running a company, the same account keeps up with you.

Cards

A card you actually control

Create a virtual card instantly for online shopping, or order a physical one. Set the rules, and change your mind anytime.

Virtual & physical

Spin up a Visa or Mastercard in seconds, or carry a physical card — both linked to your account.

Freeze, limits & toggles

Freeze in one tap, set a per-transaction cap, and switch online payments or contactless on and off.

3-D Secure protection

Risky online purchases ask for a one-time code from your authenticator before they go through.

KokebDEBIT

4821 90•• •••• 4823

CHANDA MULENGA08/29

VISA

Grow & borrow

Save toward something. Borrow when it counts.

Ring-fence money for a goal, understand where it goes, and reach for credit that's scored fairly and explained plainly.

Savings pots

Create pots for rent, school fees or a rainy day, each ring-fenced with its own progress toward the goal.

Save from K1

Spending insights

See your month sorted by category and set budgets, so nothing surprises you at the end of the month.

Know your money

Referrals & rewards

Share your code, and you and your friend both earn when they join and get started.

Earn together

Loans, scored fairly

An offer based on your real inflows, with a clear amount, rate and a schedule you can see before you accept.

Transparent credit

Overdraft & advances

A small approved buffer for tight days, plus a salary advance when payday is still a week away.

Breathing room

Buy now, pay in 3

Split a purchase into three, interest-free, with the plan laid out clearly up front.

No surprises

For business

Run the company's money as a team

Kokeb isn't just a personal account. Give your business its own account, a team with roles, and payroll that two people sign off — then build straight onto the bank with an open API.

Team accounts

Owner, admin and member roles — everyone sees what they should, only the right people move money.

Bulk payroll

Upload a run of payments; a second admin approves before a single Kwacha moves — four-eyes by default.

Open API

Scoped keys to check balances and make payments from your own systems, rate-limited and safe.

Webhooks

Signed callbacks the moment a payment lands or payroll runs, so your systems stay in step.

Four-eyes approval on every payroll run

Reach everyone

No smartphone? No problem.

Dial *123# on any handset for the same banking — balance, send money, buy airtime, mini-statement — in English, Bemba or Nyanja. And on a smartphone, add Kokeb to your home screen like an app.

USSD for feature phones

Full banking over a plain dial code — no data, no app, no problem.

In your language

Menus and messages in English, Bemba and Nyanja, chosen by you.

Installable app

Add to your home screen for a full-screen app that even opens when the signal drops.

Dial *123#
Kokeb Bank
1. Balance
2. Send money
3. Buy airtime
4. Mini statement
Reply with an option…
Bal: K12,480.50 ✓

Security & trust

Serious protection, quietly working

Every account is reviewed before it goes live, every big action asks for a second factor, and every Kwacha is tracked in a tamper-evident ledger.

Staff-approved accounts

Self-registration is held for review — no account can move money until a person approves it.

Two-factor & step-up

Larger transfers ask for a fresh code from your authenticator — logged in isn't the same as authorised.

Tamper-evident ledger

Double-entry and hash-chained, so the books can be proven whole — nothing edited in the shadows.

Fraud watch

Card purchases are scored on the fly — unusual ones are challenged or blocked before they clear.

Screened & monitored

New customers are checked against watchlists and activity is monitored for anything that looks off.

Your data, your rights

Export what we hold and manage your consent — privacy built in, not bolted on.

Open your Kokeb account

Sign up in minutes with your phone number. A quick staff check, and you're ready to send, save, spend and grow — the Zambian way.

Get started Try *123#

● Pilot — Kokeb Bank is in development and not yet a licensed deposit-taking institution