--- title: "Zambia: financial institutions, SWIFT/BIC codes and licences | Elucidate" description: "35 institutions in Zambia (as at 23 September 2026): 35 hold a SWIFT/BIC code and 0 do not." url: https://elucidate.co/directory/country/zm --- 1. [Directory](https://elucidate.co/directory) 2. [Countries](https://elucidate.co/directory/country) 3. Zambia Country · Sub-Saharan Africa # Zambia Check who the institutions in Zambia are: whether each holds a BIC, which register lists it and whether an LEI is mapped. No tracked register covers Zambia, so every institution listed here holds a BIC. 35 Institutions Active · inactive not published 35 Hold a BIC 100% of institutions — On a tracked register Not covered by a tracked register 14 LEI mapped 40% of institutions 46 BIC codes Head offices and 13 branch codes ### Zambia at a glance Every row is the same 35 institutions, split by one attribute Type - Financial institution 32 · 91% - Non-financial corporate 3 · 8.6% Identification - [BIC only](https://elucidate.co/directory/search?source=bic,noregister&cc=ZM) 35 · 100% Regulation level - [Not on a tracked register](https://elucidate.co/directory/search?reg=none&cc=ZM) 35 · 100% LEI - LEI mapped 14 · 40% - No LEI mapped 21 · 60% View as table | Attribute | Institutions | Share | | --- | --- | --- | | Type | | Financial institution | 32 | 91% | | Non-financial corporate | 3 | 8.6% | | Identification | | BIC only | 35 | 100% | | Regulation level | | Not on a tracked register | 35 | 100% | | LEI | | LEI mapped | 14 | 40% | | No LEI mapped | 21 | 60% | An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page. BIC data as at 23 September 2026 [Institutions](https://elucidate.co/directory/country/zm#institutions) [Regulation](https://elucidate.co/directory/country/zm#registers) [Groups](https://elucidate.co/directory/country/zm#groups) [Payments](https://elucidate.co/directory/country/zm#payments) [BIC codes](https://elucidate.co/directory/country/zm#bics) ## Institutions in Zambia The first 25 of 35 institutions in Zambia, with or without a BIC: prudentially supervised and larger institutions first. No OFAC or EU listing cites an institution in Zambia. - [National Savings and Credit Bank of Zambia BIC NSCBZML1 Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/national-savings-and-credit-bank-of-zambia-nscbzml1) - [Stanbic Bank Zambia Limited BIC SBICZML1 Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/stanbic-bank-zambia-limited-sbiczml1) - [Absa Bank Zambia PLC BIC BARCZMLX Financial institution Not on a tracked register Zambia · Not on a tracked register · LEI 213800O9L2G7HXZTRN43](https://elucidate.co/directory/absa-bank-zambia-plc-barczmlx) - [Bank of Zambia BIC BAZAZMLU Financial institution Not on a tracked register Zambia · Not on a tracked register · LEI 2549001MFDXXJB4IQU56](https://elucidate.co/directory/bank-of-zambia-bazazmlu) - [Standard Chartered Bank Zambia PLC BIC SCBLZML1 Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/standard-chartered-bank-zambia-plc-scblzml1) - [Standard Chartered Bank Zambia PLC BIC SCBLZMLX Financial institution Not on a tracked register Zambia · Not on a tracked register · LEI 549300247QDZHDI30A83](https://elucidate.co/directory/standard-chartered-bank-zambia-plc-scblzmlx) - [AB Bank Zambia Ltd. BIC ABBAZMLU Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/ab-bank-zambia-ltd-abbazmlu) - [Access Bank Zambia Limited BIC AZAMZMLU Financial institution Not on a tracked register Zambia · Not on a tracked register · LEI 254900BZ21W737LXAI57](https://elucidate.co/directory/access-bank-zambia-limited-azamzmlu) - [Bank of China (Zambia) LTD BIC BKCHZMLU Financial institution Not on a tracked register Zambia · Not on a tracked register · LEI 213800DIEMENQXV8TT12](https://elucidate.co/directory/bank-of-china-zambia-ltd-bkchzmlu) - [Bank of Zambia BIC BAZAZMLA Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bank-of-zambia-bazazmla) - [British American Tobacco (Zambia) PLC BIC BATSZML1 Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/british-american-tobacco-zambia-plc-batszml1) - [Citibank Zambia LTD BIC CITIZMLU Financial institution Not on a tracked register Zambia · Not on a tracked register · LEI 549300EGEGS2CVNRJJ82](https://elucidate.co/directory/citibank-zambia-ltd-citizmlu) - [Development Bank of Zambia BIC DEBZZML1 Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/development-bank-of-zambia-debzzml1) - [Ecobank Zambia Limited BIC ECOCZMLU Financial institution Not on a tracked register Zambia · Not on a tracked register · LEI 254900CAXXRRYSB3RG10](https://elucidate.co/directory/ecobank-zambia-limited-ecoczmlu) - [First Alliance Bank BIC FALLZMLU Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/first-alliance-bank-fallzmlu) - [First Capital Bank Limited BIC FRCGZMLU Financial institution Not on a tracked register Zambia · Not on a tracked register · LEI 213800DLWE4JIVICBM62](https://elucidate.co/directory/first-capital-bank-limited-frcgzmlu) - [First National Bank Zambia Limited BIC FIRNZMLX Financial institution Not on a tracked register Zambia · Not on a tracked register · LEI 2549002SWSGB0VPO1R33](https://elucidate.co/directory/first-national-bank-zambia-limited-firnzmlx) - [Fx Africa Bureau de Change Zambia LTD BIC FXAFZML1 Non-financial corporate Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/fx-africa-bureau-de-change-zambia-ltd-fxafzml1) - [Indo-Zambia Bank BIC INZAZMLX Financial institution Not on a tracked register Zambia · Not on a tracked register · LEI 8945002U8D2K0Q0PE553](https://elucidate.co/directory/indo-zambia-bank-inzazmlx) - [Intermarket Banking Corporation Zambia Limited BIC IDHZZML1 Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/intermarket-banking-corporation-zambia-limited-idhzzml1) - [Intermarket Securities (Zambia) Limited BIC INSZZML1 Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/intermarket-securities-zambia-limited-inszzml1) - [Lusaka Securities Exchange PLC BIC XLUSZML1 Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/lusaka-securities-exchange-plc-xluszml1) - [Luse Central Share Depository BIC LCSDZML1 Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/luse-central-share-depository-lcsdzml1) - [Manifold Investment Bank Limited BIC MINVZML1 Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/manifold-investment-bank-limited-minvzml1) - [Meridien Biao Zambia Ltd. BIC MEZAZML1 Financial institution Not on a tracked register Zambia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/meridien-biao-zambia-ltd-mezazml1) [See all 35 institutions in Zambia →](https://elucidate.co/directory/search?cc=ZM) ## Regulation and supervision None of the 22 tracked registers covers Zambia. All 35 institutions listed here hold a BIC; firms licensed only by Zambia’s national authorities are not listed. ## Groups and systemic importance Institutions in Zambia belong to 3 groups on the FSB’s 2025 list of global systemically important banks (G-SIBs). For 6 institutions here, GLEIF records a parent in another country. ### G-SIB groups FSB 2025 list; institutions here that hold a BIC, by group | Group | Bucket | Institutions here | | --- | --- | --- | | [Bank of China](https://elucidate.co/directory/group/54930053HGCFWVHYZX42) | 2 | 1 | | [Citigroup](https://elucidate.co/directory/group/6SHGI4ZSSLCXXQSBB395) | 3 | 1 | | [Standard Chartered](https://elucidate.co/directory/group/U4LOSYZ7YG4W3S5F2G91) | 1 | 1 | [See all 3 institutions in G-SIB groups →](https://elucidate.co/directory/search?cc=ZM&flag=gsib) ### Largest other groups GLEIF consolidation groups, by legal entities (LEIs) in this country | Group | LEIs here | LEIs in the group | | --- | --- | --- | | [Ecobank Transnational Incorporated](https://elucidate.co/directory/group/213800USCE9Y111R4656) | 1 | 29 | | [Standard Bank Group Limited](https://elucidate.co/directory/group/2549003PEZXUT7MDBU41) | 1 | 23 | | [Absa Bank](https://elucidate.co/directory/group/SLI1CVYMJ21DST0Q8K25) | 1 | 10 | ### Parents abroad Institutions here by the country of their GLEIF ultimate parent (else direct parent) - [South Africa2](https://elucidate.co/directory/country/za "South Africa: 2") - [China1](https://elucidate.co/directory/country/cn "China: 1") - [United Kingdom1](https://elucidate.co/directory/country/gb "United Kingdom: 1") - [Togo1](https://elucidate.co/directory/country/tg "Togo: 1") - [United States1](https://elucidate.co/directory/country/us "United States: 1") GLEIF parents are accounting-consolidation relationships. They do not show ownership shares or control. ## Payments and connectivity Of the 35 institutions in Zambia that hold a BIC, 51.4% are connected to Swift and 1 is a Swift GPI member, as at 23 September 2026. ### Connection to Swift Institutions that hold a BIC, by connection type in Swift’s directory - Connected to Swift18 · 51.4% - Reverse billing1 · 2.9% - Passive participant (no connection)16 · 45.7% A BIC does not imply a connection to the Swift network. ### Payment schemes Institutions that hold a BIC, reachable in each scheme - **Swift GPI members:** 1 institution [See 1 Swift GPI member →](https://elucidate.co/directory/search?cc=ZM&flag=gpi) ## All BIC codes in Zambia Look up any of the 46 BIC codes registered in Zambia: the head offices and branch codes of the 35 institutions here that hold a BIC, with their LEIs and flags. [Download the list (JSON)](https://elucidate.co/data/banks/countries/ZM.json) ### Where branch codes cluster Branch codes by city, top 8 - Ndola3 - Kitwe2 - Lusaka2 - Chipata1 - Kasama1 - Livingstone1 - Mansa1 - Mongu1 ## Other countries in Sub-Saharan Africa The directory has pages for 50 other countries and territories in Sub-Saharan Africa. [Angola](https://elucidate.co/directory/country/ao) [Benin](https://elucidate.co/directory/country/bj) [Botswana](https://elucidate.co/directory/country/bw) [Burkina Faso](https://elucidate.co/directory/country/bf) [Burundi](https://elucidate.co/directory/country/bi) [Cameroon](https://elucidate.co/directory/country/cm) [Cape Verde](https://elucidate.co/directory/country/cv) [Central African Republic](https://elucidate.co/directory/country/cf) [Chad](https://elucidate.co/directory/country/td) [Comoros](https://elucidate.co/directory/country/km) [Congo - Brazzaville](https://elucidate.co/directory/country/cg) [Congo - Kinshasa](https://elucidate.co/directory/country/cd) [Côte d’Ivoire](https://elucidate.co/directory/country/ci) [Equatorial Guinea](https://elucidate.co/directory/country/gq) [Eritrea](https://elucidate.co/directory/country/er) [Eswatini](https://elucidate.co/directory/country/sz) [Ethiopia](https://elucidate.co/directory/country/et) [Gabon](https://elucidate.co/directory/country/ga) [Gambia](https://elucidate.co/directory/country/gm) [Ghana](https://elucidate.co/directory/country/gh) [Guinea](https://elucidate.co/directory/country/gn) [Guinea-Bissau](https://elucidate.co/directory/country/gw) [Kenya](https://elucidate.co/directory/country/ke) [Lesotho](https://elucidate.co/directory/country/ls) [Liberia](https://elucidate.co/directory/country/lr) [Madagascar](https://elucidate.co/directory/country/mg) [Malawi](https://elucidate.co/directory/country/mw) [Mali](https://elucidate.co/directory/country/ml) [Mauritania](https://elucidate.co/directory/country/mr) [Mauritius](https://elucidate.co/directory/country/mu) [Mayotte](https://elucidate.co/directory/country/yt) [Mozambique](https://elucidate.co/directory/country/mz) [Namibia](https://elucidate.co/directory/country/na) [Niger](https://elucidate.co/directory/country/ne) [Nigeria](https://elucidate.co/directory/country/ng) [Réunion](https://elucidate.co/directory/country/re) [Rwanda](https://elucidate.co/directory/country/rw) [São Tomé & Príncipe](https://elucidate.co/directory/country/st) [Senegal](https://elucidate.co/directory/country/sn) [Seychelles](https://elucidate.co/directory/country/sc) [Sierra Leone](https://elucidate.co/directory/country/sl) [Somalia](https://elucidate.co/directory/country/so) [South Africa](https://elucidate.co/directory/country/za) [South Sudan](https://elucidate.co/directory/country/ss) [St. Helena](https://elucidate.co/directory/country/sh) [Sudan](https://elucidate.co/directory/country/sd) [Tanzania](https://elucidate.co/directory/country/tz) [Togo](https://elucidate.co/directory/country/tg) [Uganda](https://elucidate.co/directory/country/ug) [Zimbabwe](https://elucidate.co/directory/country/zw) Sources & method Each institution counts once, in one country: the BIC country when it holds a BIC, otherwise the country of the register that lists it. Licences in other countries are shown on its page. Sanctions listings are matched on the BIC and on the LEI mapped to it, so they cover institutions that hold a BIC only. Institutions without a BIC are not screened. Always screen against the official lists. [Read the methodology →](https://elucidate.co/directory/methodology) Sources for this page - **Swift ISO 9362 BIC directory**—institutions and branch codes, mapped to LEIs through the Swift and GLEIF BIC-to-LEI relationship file. As at 23 September 2026 - **FSB 2025 list of global systemically important banks** · [FSB ↗](https://www.fsb.org/2025/11/2025-list-of-global-systemically-important-banks-g-sibs/) published 27 November 2025 - **GLEIF relationship records (Level 2)**—accounting consolidation as reported to GLEIF · [about Level 2 data ↗](https://www.gleif.org/en/lei-data/access-and-use-lei-data/level-2-data-who-owns-whom) as at 25 September 2026 ## Assess the financial crime risk behind a counterparty A BIC or a licence identifies an entity; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment firms. [Read about the FinCrime Index](https://elucidate.co/ratings). [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.