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Zambia's National Savings Bank — Est. 1972

Banking Built
for Every
Zambian

From Lusaka to Livingstone — NATSAVE empowers individuals, families, and enterprises with financial solutions crafted for real life in Zambia.

Open an Account Explore Services
40+
Years of Service
80+
Branches Nationwide
500K+
Customers Served
ATM Locator
Find nearest ATM
Open Account
Join in minutes
Apply for Loan
Quick approval
E-Pay
Tax · NAPSA · NHIMA
Branch Finder
All locations

What We Offer

Complete Banking
Solutions for You

Whether you're saving for the future, growing a business, or managing daily finances — NATSAVE has a tailored solution for you.

Savings Accounts

Grow your money with competitive interest. From minor savings to the Pamodzi group account — designed for every life stage and income level.

Explore Savings

Personal Loans

Institutional loans, asset finance, and micro-enterprise credit — with simplified access and convenient repayment options for Zambian workers.

Apply Now

Mobile Banking

Bank anytime, anywhere with the NATSAVE app. Transfers, bill payments, account management — all from your phone, no branch visit needed.

Download App

Corporate Banking

Current accounts, overdraft facilities, and tailored business solutions for SMEs and large institutions. Power your enterprise forward.

Business Solutions

NATSAVE Wallet

A digital wallet for everyday payments. Send money, top up airtime, and pay bills with ease — fast, secure, and entirely mobile.

Get Your Wallet

E-Pay Platform

Pay ZRA tax, NAPSA, and NHIMA obligations online — fast, secure, and government-approved. No queues, no delays, no hassle.

Pay Online
40+
Years Serving Zambia
80+
Branches & Agencies
500K+
Active Customers
882
Free Customer Support

Popular Products

Accounts Designed
Around Your Life

View All Products
Growth Savers Account
Savings

Growth Savers Account

A flexible savings account for individuals and business owners — earn competitive interest while keeping access to your funds whenever you need them.

Interest Rate Up to 7%
Learn More
Institutional Loan
Loans

Institutional Loan

Simplified access to credit with convenient repayment options — designed specifically for government employees and institutional borrowers in Zambia.

Up to K500,000
Apply Now
Karibu Personal Account
Inclusion

Karibu Personal Account

Banking for everyone — a low-barrier account designed to promote financial inclusion and support across all of Zambia's diverse communities.

Minimum Balance K50
Open Today

Meet Nava · AI Concierge

Your AI Banking
Concierge is Here

Nava is NATSAVE's intelligent assistant — powered by advanced AI. Get instant answers, find branches, report lost cards, and navigate every banking need in natural conversation, 24/7.

  • Find nearest branches and ATMs in real time
  • Report and block lost or stolen cards instantly
  • Get tailored product recommendations
  • 24/7 — no hold music, no queues, no waiting
  • Remembers your context across the conversation
N
Nava — AI Concierge
Online · NATSAVE Bank
Hello! I'm Nava, your NATSAVE Banking Concierge. How can I help you today?
I lost my debit card this morning.
🚨 I'll help you right away. I strongly recommend blocking your card immediately to prevent unauthorised use. Call 882 now for instant card blocking.

Which area are you in? I'll find your nearest branch for a replacement card.
I'm in Lusaka CBD. Can you block it?
📍 Your nearest branch is Cairo Road Main Branch — open Mon–Fri, 08:00–15:30. Bring your NRC + 1 passport photo for replacement.

For immediate blocking, call 882 — they'll freeze it within seconds.
NATSAVE Mobile Banking App Mobile Payment

Mobile Banking

Your Bank in
Your Pocket

Download the NATSAVE Mobile Banking App and manage your finances seamlessly, from anywhere in Zambia.

1
Download the App
Search "NatSave Mobile Banking" on Google Play or the App Store.
2
Register with Your Account
Use your NATSAVE account number and NRC to get started in minutes.
3
Bank Anywhere, Anytime
Transfer funds, check balances, and pay bills — entirely from your phone.
App Store Google Play