Zambia | Aurato

Zambia
`mkt_zm`

Airtel Money and MTN MoMo connect Zambian wallets and agent cash services with transfers and merchant payments. Banks and cards offer other routes in the kwacha economy, whose population was about 21.9 million and GDP per capita approximately US$1,300 in the reported 2025 data.

Population

22M

GDP

$29B

GDP per Capita

$1K

GDP Growth

3.8%

Deepdive

World Bank, World Development Indicators (WDI), 2025

Cash in Zambia

Zambia's mobile-money agents bridge digital balances and spending funded by cash payments. Airtel Money and MTN MoMo connect wallets with kwacha notes, while cards and bank ATMs are easier to use in towns than in rural communities.

ATMs (PER 100K)

7.4

BANKS (PER 100K)

2.5

DEBIT CARDS (PER ADULT)

0.2

CREDIT CARDS (PER ADULT)

0.0

Compare

IMF, Financial Access Survey (FAS), 2025