FNB offers a network of branches for all your face to face banking requirements
Head Office
Postal Address
First National Bank Zambia Limited
PO Box 36187
Lusaka,
Zambia
Physical address
Stand number 22768
Acacia Office Park
Cnr Thabo Mbeki and Great East Roads
Lusaka,
Zambia
Telephone Numbers: +260 211 366 800
Fax Number: +260 211 253 057 / 250 602
Email:
fnb@fnbzambia.co.zm
Swift Code : FIRNZMLX
Acacia Premier Branch
Plot No 22768
Corner of Great East & Thabo Mbeki Rds
Branch code: 260039
Cairo Branch
Stand No. F037
Society Business Park
Cairo Rd Lusaka
Branch code: 260050
Chilenje Branch
Plot 150/27/4586
Chilumbulu road
Lusaka
Branch code: 260046
Chingola Branch
Shop No. 13
Park Mall
Cnr Kabundi/Freedom Ave
Branch code: 260322
Chipata Branch
Plot 646
Corner Pererinyatwa & Umodzi High way Roads
Chipata
Branch code: 261121
Choma Branch
Plot No ME46
Livingstone Road
Choma
Branch code: 261238
Commercial Branch
Plot No 22768
Corner of Great East & Thabo Mbeki Rds
Branch code: 260001
Industrial Branch
Plot 16808
Lumumba Road Industrial Area
Lusaka
Branch code: 260002
Kabulonga Premier Branch
Unit 63
Corner Bishop & Kabulonga roads
Centro Mall
Branch code: 260072
Kabwe Branch
Plot No. 87A
Buntungwa Avenue
Kabwe
Branch code: 260937
Kalumbila Branch
Plot 795
Central Business District
Branch code: 262874
Kitwe Industrial Branch
Mukuba Mall
6939 Freedom Way & Chiwala Ave
Kitwe
Branch code: 260247
Kitwe Main Branch
Plot 493/494
Zambia Way & Oxford Street
Branch code: 260212
Kitwe Private Clients
Office block 1
Stand no 7732
ECL Business Park
Branch code: 260261
Livingstone Branch
Plot No. 112
Mosi-o-Tunya Road
Livingstone
Branch code: 261061
Luanshya Branch
Stand No. 4
Zaone Avenue
Branch code: 260741
Lusaka Private Clients
Plot 35a/1
Lake Road
Woodlands
Branch code: 260061
Makeni Branch
Cosmopolitan Mall
Kafue Road
Lusaka
Branch code: 260016
Manda Hill Branch
Plot 19222
Zone 3 Building
MandHill Mall
Corner Great East & Manchinchi Road
Branch code: 260014
Mazabuka Branch
Plot No. 7a
Livingstone Road
Mazabuka
Branch code: 263613
Mkushi Branch
Plot No. 414
Independence Road
Branch code: 262319
Ndola Main Branch
Plot No. 2177
President Avenue
Town Centre
Branch code: 260103
Solwezi Branch
Plot No. 921
Kapiji Mall
Independence Avenue
Branch code: 262823
Located all around the country, please use the list below to find an automated teller machine (ATM) near you. We have listed them per city.
Branch ATM's
Chingola
Chingola Mall Branch
Chingola Copperbelt,
Kabundi
Park Mall Chingola
Chingola Lusaka,
Freedom Way
Chingola Copperbelt
Plot 617,
Kwasha Road
Starbucks
Chingola Copperbelt,
Plot 369A,
Mid Way Road,
Chililabombwe
Chipata
Chipata Branch
Chipata Zambia,
Corner of Parirenyatwa Road and Umodzi Highway
Katete
Chipata Eastern,
Great East Road
Choma
Choma Branch
Choma Zambia Main Road
Choma Branch ATM
Choma Southern Main Road Choma
Kabwe
Kabwe Branch
Kabwe Central Plot 87A
Mulungushi University
Kabwe Central Province Zambia Great North Road
Kalumbila
Kalumbila Branch
Kalumbila, Zambia Solwezi Road
Kalumbila Mine
Kalumbila North Western,
Kalumbila
Kalumbila North Western
Kalumbila Mine Solwezi
Kapiri
Kapiri ATM
Kapiri Zambia Kabwe Road
Kitwe
Mukuba Mall
Kitwe Copperbelt,
Corner of Chiwala Avenue and Freedom Avenue,
Kitwe
Luanshya Branch
Kitwe Kitwe,
Zaone Avenue,
Shop number 4
Kitwe Branch
Kitwe Copperbelt,
Union House 493/494 Zambian Way
Kitwe Private Suite
Kitwe,
Freedom Avenue,
Kitwe
Mukuba off-site
Kitwe Copperbelt,
Corner of Chiwala Avenue and Freedom Avenue Kitwe
Wusakile
Kitwe Copperbelt,
Ndola Kitwe Duel Carriage Way
Oxford road
Kitwe Copperbelt,
Oxford Road
Chimwemwe Offsite ATM
Kitwe Copperbelt,
Plot 100 Katilungu Road
Edinburg Hotel
Kitwe Copperbelt,
Stand 2557 Independence Road
Riverside off-site
Kitwe Copperbelt,
Almalik Street
ECL Mall
Kitwe Zambia,
ECL Mall Corner of Freedom and Independence Avenue
Kalulushi off-site
Kitwe Copperbelt,
Plot 272 Buteko Drive Kalulushi Kitwe
Nkana East off-site
Kitwe Copperbelt,
Plot 3680 Central Street,
Nkana East Kitwe
Kwacha East off-site
Kitwe,
Plot 71 Shop 2,
Kwacha East Kitwe
Chisokone off-site ATM
Kitwe Copperbelt,
Plot 100 Katilungu Road
Oryx Ndeke
Kitwe Copperbelt,
Kitwe Ndola Road
Parklands Mall
Kitwe Copperbelt,
Plot 643
Livingstone
Livingstone Main
Livingstone Southern,
Province Plot 112,
Mosi-o-tunya Road
Livingstone
Monze Zambia,
Mosi O Tunya Road,
Livingstone
Luanshya
Luanshya Mine
Luanshya Copperbelt,
Samfuel Petrol Station,
Luanshya Mine Ndola
Lusaka
Kabwata
Kabwata Zambia,
Along Burma Road
Chilenje Branch
Lusaka Zambia,
Chilumbulu Road
Manda Hill Branch
Lusaka,
Along Great East Road
Makeni Branch
Lusaka,
Along Kafue Road Lusaka
Lusaka Private Suite
Lusaka,
Corner Leopards Hill and Lake Road
Commercial Branch
Lusaka,
Stand no 22767,
Corner Great East And Thabo Mbeki Road
Industrial Branch
Lusaka,
Lumumba Road Plot no. 16808
Cairo Branch ATM
Lusaka,
Cairo Road
Kabulonga Suite
Lusaka Province,
Chindo Road
Shoprite East Park
Lusaka,
Great East Road
PHI Mall
Lusaka,
PHI
Puma Chainama Service Station
Lusaka,
Great East Road
Zambezi Ranching
Lusaka,
Zambezi Ranching
Inter City Puma
Lusaka,
Dedan Kimath Street
Livonia Mall
Lusaka,
Old Mumbwa Road
Chelston Buzzer Station
Lusaka,
Great East Road
Woodlands Novare Pinnacle
Lusaka,
Kabulonga Chindo Road
UTH off-site ATM
Lusaka,
Nationallist Road
Kamloops Mall
Lusaka,
Alick Ncarta Road
Mbanyane Waterfalls
Lusaka Province,
Plot 22 East Road
SGC Filling Station Mungwi
Lusaka,
Mungwi Road
Chilenje Choppies
Lusaka,
Chilene Mall
Downtown
Lusaka,
Downtown Shopping Mall,
Shop G16 Kafue Road
Arcades ATM
Lusaka,
Great East Road ATM Lobby
Kabulonga Offsite
Lusaka,
Kabulonga Shopping Mall,
Shop 18B Kabulonga
Makeni Mall
Lusaka,
Kafue Road
Crossroads off-site
Lusaka,
Leopards Hill Road
ODY'S Filling Station
Lusaka,
Lumumba Road
Radian Stores
Lusaka,
Great East Road Lusaka
Waterfalls Mall
Lusaka,
Great East Road Lusaka
Woodlands Shopping Centre
Lusaka,
Zambezi Road Lusaka
Novare Twinpalm
Lusaka,
Twinpalm Road
KK International Airport
Lusaka,
Airport Road
Leopards Hill Mall
Leopards Hill Mall,
Leopards Hill Road
Levy Shopping Mall
Lusaka,
Church Road,
Levy Junction Mall
PHI Mall
PHI Mall
Cosmopolitan Mall
Lusaka,
Kafue East Road
Vuma Service Station off-site ATM
Lusaka,
Kafue Road Lusaka
Kapata off-site
Lusaka,
Eastern Kapata Market
Society House off-site
Lusaka,
Cairo Road
Kabanana
Off Great North Road,
Kabanana Mall
Kafue
Lusaka, Kafue Town,
Riverside Mall
Foxdale Court off-site
Lusaka Province,
Zambezi Road
Novare Great North off-site
Lusaka,
Along Great North Road
Manda Hill
Plot 22768 Great East Road,
City Clothing,
Lusaka,
Cha Cha Road
Makeni
Lusaka,
Makeni Shopping Mall,
FNB Branch Makeni,
Mall Kafue Road Lusaka
Lusaka Mobile ATM
Lusaka,
Thabo Mbeki
Showgrounds ADT
Lusaka,
Ngwenya Road
Kabulonga Suite
Lusaka,
Zambia Chindo Road
LongArces
Lusaka Province,
Los Angeles Blvd
East Park Mall
Lusaka,
Corner of Great East and Thabo Mbeki Road
Kobil BenBella
Lusaka,
Corner Ben Bella and Lumuba Road Lusaka
Mazabuka
Mazabuka Branch
Mazabuka Southern Shop F2,
Livingstone Road
Mazabuka Sugar Farms
Mazabuka Southern Off-Livingstone Road,
Mazabuka
Neganega
Mazabuka Southern,
Livingstone Road
Mkushi
Mkushi Branch
Mkushi Copperbelt,
Plot 3539 Plot 414,
Independence Road Mkushi
Monze
Monze Southern Province,
Plot No. 670 Livingstone Road
Mufulira
Mufulira,
Mufulira Swaziland,
Buteko Avenue
Ndola
Jaracanda Mall
Copperbelt Province,
Along Kapiri-Ndola Road
Ndola Branch
Ndola Copperbelt,
Plot 50 Buteko Avenue Ndola
Kansenshi Mall
Ndola Copperbelt,
Kabwe Road opposite Jacaranda Mall
Jacaranda
Ndola Copperbelt,
Great North Road
Z-Mart
Ndola Copperbelt,
Pick n Pay Centre
Ndola Copperbelt
Stnd 4307 Cairo road Chibesankunda Road,
Lubuto market Masala Ndola
Broadway SGC
Ndola Copperbelt Subdivision G6 Broadway,
Roundabout Ndola
Chifubu
Ndola Copperbelt Stand no. CH 108,
Hard K Shopping Complex Ndola
Kafubu Mall ATM
Ndola Copperbelt,
Cnr Nkana and President streets
Solwezi
Solwezi Branch
Solwezi North Western,
Plot 2 Independence Road
Solwezi SGC
Solwezi North Western,
Plot Number 8169 Idependence Road
Solwezi Choppies ATM
Solwezi North Western,
Kansanshi Road
Solwezi City Mall ATM
Solwezi North Western,
Independence Road
Kapiji
Solwezi North Western,
Independence Avenue
Forms that will assist you to complete the new SI 55 forms
For your convenience we have provided you with example forms that will assist you to complete the new SI 55 forms. Below is a list of example and actual forms which you can download.
Example forms
Export/Receipt Monitoring Form
Import/Remittance Monitoring Form
Private External Borrowing/Lending Registration Form
Actual forms for completion
Export/Receipt Monitoring Form
Export/Receipt Monitoring Form (Continued)
Import/Remittance Monitoring Form
It's always better to save up for something and pay cash, but we know that's not always possible.
There are two types of interest: interest earned (on savings and investments) and interest charged (on loans).
This type of interest is a way to grow your money and is a reward from the bank for saving your money with them. It's extra money you earn for saving your money with a bank or an investment/savings institution.
This is the type of interest charged by a credit provider to lend you money. It's the cost of credit and is usually calculated as a percentage of the amount that you borrow.
When interest is calculated on the original investment and interest earned, so you earn interest on your interest, helping your money grow quicker.
When interest is calculated on the original amount borrowed invested plus any interest charged in previous months or years so you are charged interest on your interest, meaning your debt grows over time.
Instalments refer to a set amount you pay for an item over an agreed period. Often, we are attracted by special offers and low monthly instalments that look like very good deals. But 'low' instalments can be deceiving.
It is important to look at the total cost you will pay by adding up the monthly instalments over the payment period. You may find you will pay way more than the cash price. Always check before agreeing to the instalments and where possible, save up and buy the item in cash.
Remember: Check if you are being charged for extras such as delivery, credit life insurance, etc. You have a choice not to take up insurance if you do not want it.
If you are planning to borrow money, there are lots of different places that you can borrow from including: banks, micro-lenders, shops and informal (unregistered lenders) such as loan sharks.
All these places offer different products and their terms and application requirements differ. The risk associated with each lender also differs, so think carefully before signing an agreement or contract.
Taking up credit is a big decision. Before you do, consider the following:
Obtain a quote from the credit provider. It should show how much you will be paying in total.
Find out if there are penalties or rewards for repaying the debt earlier.
Get a copy of the contract and read it at home before you sign.
Make sure you understand the terms of the agreement.
Find out what will happen if you are unable to make the loan repayments on time.
There is no shame is asking for help to manage your debt. It is better to get help than to drown in debt.
Your rights as it relates to credit is protected under the National Credit Act and the National Credit Regulator can assist customers to get help when their rights have been violated. If you have a concern or a problem about the way you have been treated in accessing credit, contact the NCR. Their telephone number is 0860 627 627 and their website address is www.nca.co.za
Physical address:
Plot 184 Ist Floor,
Tlale House Main Mall , Opposite BEDIA.
Postal address:
Office of the Banking Adjudicator
Private Bag 00404
Gaborone
Tel: (0267) 3935409
Fax: (0267)3935406
Email: bankadjud@info.bw
Website: www.banking-adjudicator.org.bw
Credit bureaux keep credit related information of all credit-active consumers, this information is compiled on a credit report or credit profile. Credit grantors submit payment information to the credit bureaux on how well you are repaying your loans. The information submitted is both positive and negative information. The purpose of a credit report is to allow credit grantors to determine if you are eligible for credit, by assessing the amount of credit you already have and also looking at how well you repay existing loans. It is a risk for companies to give you a loan, therefore they must ensure that you can repay it.
Call Centre on 0861 514 131
Online at www.mycreditcheck.co.za
Call Centre on 0861 105 665
Online at www.creditexpert.co.za
Plot 115 Unit 21 Kgale Mews, Gaborone, Botswana
Private Bag 305, Gaborone, Botswana
Email: vgaleromeloe@transunion.co.za
Web: http://www.transunion.co.za
Phone: 0267 390 3535
Fax: 0267 318 1124
Call Centre on 0860 937 000
Online at www.credit4life.co.za
The seller takes back the goods, as well as keeps the money you have already paid for the goods.
A judgement is a court order that forces you to repay your loans.
Depending on how big your debt is, the court can order that some of your property (such as furniture, a vehicle, etc.) can be repossessed.
The court will instruct your employer to pay a part of your wages or salary to the creditor as repayment of your debt.
You are over-indebted if you are failing to meet your debt repayments and constantly need to borrow to support your monthly expenses.
a) The first step is to write a list of all the people and businesses that you owe money to.
b) Contact your creditors and explain your situation.
c) When creditors write to you, take their letters seriously and respond.
d) Do not promise to make payments if you cannot afford them. Rather explain the situation and look at making smaller payments over a longer period.
e) Avoid taking more loans to pay the debt you already have
f) Change your lifestyle, cut down on things like entertainment, alcohol, cigarettes, gambling, etc.
g) If you drive an expensive car, consider downgrading to a more affordable car or sell your car and use public transport.
h) Avoid buying groceries on credit.
i) Consult a debt counsellor. Call the National Credit Regulator (0860 627 627) and they will refer you to a debt counsellor near you.
There is no shame is asking for help to manage your debt. It is better to get help than to drown in debt.