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Find a branch

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


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Find an ATM

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

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Balance of Payments

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

Import/Remittance Monitoring Form (Continued)

Private External Borrowing/Lending Registration Form

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Pricing continued

Expense Description Amount
Purchase price deposit This is a payment made to secure the land. The amount will be stated in the Offer to Purchase contract Varies according to property value
Builder or Contractor The builder will provide you with a contract price which will include building costs materials etc. This will also vary according to the design, structure and finishes used
Industry Professionals These professionals may include the use of a quantity surveyor, structural engineer etc. Again, depending on the professional chosen, their fees will vary
Registration costs A fee that is paid by you to the attorney From 0.5% to 1.8% of the value of the bond to be registered
Transferring costs A fee that is paid to the attorney nominated by the seller to transfer ownership of the property This fee also varies and is based on the purchase price of the property
Document fees The cost of documents and certificates that the conveyancing attorney will need to submit to the Deeds Office, the bank, the estate agent and you K5,000
Deeds Office registry fee A variable fee for the local registration of the loan Depends on the value of the bond to be registered
Property transfer tax This is a government tax, which you will need to pay based on the purchase price. Transfer Duty is payable on transactions which are not subject to VAT, on the acquisition of property by all persons (including close corporations, companies and trusts) 5% of purchase price
Facility fee A fee charged by FNB to process your building loan application Depends on the value of the bond to be registered
Additional Progress payments A fee charged to have a valuer to evaluate and authorise progress payment Depends on the value of the bond to be registered
Service fee A monthly service fee will be charged on all new registered loans Standard K20
Cancellation Fee - Existing Bond A cancellation fee will be charged by the attorney to cancel your bond in the Deeds Office 1% of the bond amount

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On date of application

  • A signed offer to purchase from FNB approved developers
  • Clear credit record
  • The finance must be used to build or alter a residential property
  • The building loan is only available to individual, joint applicants and property owning juristic entities. e.g. Sole proprietary partnerships and private companies
  • Proof that the builder, contractor or subcontractor is registered with the NCC (National Construction Council of Zambia) for all new dwellings.
  • An upfront deposit portion will be required by the bank to make up the deficit/ shortfall.
  • A Declaration of debts
  • A letter from your employer

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Prior to Registration of the Bond

  • FNB Waiver of Builders Lien
  • Proof of Contractor's All Risk Insurance Cover

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Prior to any progress payments from the loan

  • BOQ schedule of work completed

Building loan

Build your dream home

Let us help you through the entire process of building your dream home. We've made it easier for you to build a new home or make improvements to your existing one.

What you get

What you get

Your dream home

Build your dream home to your own specifications using a NCC registered builder



Housing developments

Buy a house with your choice of design, price and finishes that will suit your needs (excluding Sectional Title units)



Increase the value

Build, alter, redecorate and increase the value of your property



Progress payments

Payout on progress payments controlled by FNB, as per your instruction



Interest charge

Interest that is charged on the outstanding balance and not the total loan amount



What you can do

What you can do

More than just a loan

  • Change your Building Loan to a normal Home Loan once the building is complete
  • Build a home with an NCC registered builder
  • Make alterations to an existing home
  • Buy 'off plan' in any new development (excluding Sectional Title units)
 
Pricing

Pricing

Understand the costs involved

Expense Description Amount
Purchase price deposit This is a payment made to secure the land. The amount will be stated in the Offer to Purchase contract Varies according to property value
Builder or Contractor The builder will provide you with a contract price which will include building costs materials etc. This will also vary according to the design, structure and finishes used
Industry Professionals These professionals may include the use of a quantity surveyor, structural engineer etc. Again, depending on the professional chosen, their fees will vary
Registration costs A fee that is paid by you to the attorney From 0.5% to 1.8% of the value of the bond to be registered
Transferring costs A fee that is paid to the attorney nominated by the seller to transfer ownership of the property This fee also varies and is based on the purchase price of the property
Process

Process

The way it works

  • You have 12 months to complete the building. Construction work must commence within the first 3 months following registration.
  • Your loan term is limited to 240 months.
  • You only pay interim interest on the Building Loan until the building is complete. Once it is complete normal capital and interest payments become payable. If the construction period takes longer than 12 months, interest and capital become payable once the 12 month period allocated to the construction expires (unless the customer has obtained approval from the bank to extend the building period).
  • You will be limited to the variable interest rate until the building has been completed. On completion of the building, you may apply for a fixed rate.
  • You can apply for progress payments at any stage during the construction process provided that sufficient work has been completed and the bank is satisfied with the progress. A maximum of six progress payments will be allowed, based on the work completed.
  • The application will be assessed on receipt of the necessary documentation in line with the policy and lending criteria of the bank. Assuming the bank is in a position to assist, a minimum deposit of 10% of the total package price (land + contract amount) is required in all instances; this however could increase - dependent on the credit profile score of the applicant(s). The deposit will be based on the lower of the total package price, or FNB's assessed market value on completion. If the applicant's credit profile score determines a loan to value amount less than 90%, no amount is redeemable at the end of the construction period. If for any reason during the period of construction, the applicant(s) credit profile deteriorates, the bank reserves the right to retain the redeemable amount.
 
Your responsibilities

Your responsibilities

Knowledge and guidance

  • Inform the builder and the bank of any problems, concerns or delays in the building process. The bank will not act as clerk of works on your behalf and in need, you may want to appoint a suitable, qualified professional person to supervise or oversee the project. It is important to note that you have appointed the builder, and all disputes are to be discussed directly with the builder and the NCC where deemed necessary.
  • Ensure that the contract you sign with the builder does not comprise of conditions which will be prejudicial to you. In need, consult with a legal advisor or a suitably qualified professional to assist you before signing the contract.
  • Request progress payments only if you are satisfied with the progress and the amount requested by the builder.
  • Service your interim interest by making regular monthly repayments for these amounts as this will avoid any shortfall that may occur.
  • Ensure that you and your builder understand all the bank's loan conditions and that all the conditions are being complied with at the times required/stipulated by the bank.
  • Ensure that, on completion of the building, your Home Owners Comprehensive Insurance Cover is in place. The Contractor's All Risk Insurance Cover only provides cover from the date when construction commences until date of completion/occupation.
 
Important points

Important points

The key factors

  • The project must be enrolled with the NCC (National Construction Council).
  • The principal contractor must be registered with the NCC.
  • FNB Home Loans will NOT finance 'owner-builders'.
  • Unconventional construction methods will not be considered, unless prior approval is received from FNB Property Valuations Department.
  • Building operations must commence within 3 months after registration of the mortgage and must be completed within a further 9 months thereafter. Building to be complete within 12 months following registration.
  • The building contractor must carry Contractors All Risk Insurance Cover and proof thereof must be submitted to the bank.
  • A property valuer will inspect the building progress with each progress payment request and will report to the bank accordingly, prior to any progress payment being made.
  • Interest rates are limited to variable until the building process is complete.
  • It is mandatory that Building Loans interest payments are settled via debit order or salaried stop order, and the responsibility for any interest payments rests with the mortgagor.
  • The application will be assessed on receipt of the necessary documentation in line with the policy and lending criteria of the bank. Assuming the bank is in a position to assist, a minimum deposit of 10% of the total package price (land + contract amount) is required in all instances; this however could increase dependent on the credit profile score of the applicant(s). The deposit will be based on the lower of the total package price, or FNB's assessed market value on completion. If the applicant(s) credit profile score determines a loan to value amount less than 90%, no amount is redeemable at the end of the construction period. If for any reason during the period of construction, the applicant(s) credit profile deteriorates, the bank reserves the right to retain the redeemable amount.
 
Applying made easy

Applying made easy

Building loan

Qualifying criteria

Applicant must be between 21 and 55 years old

Documents needed

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First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).