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ATMs in Zambia - 4 Banks With No Withdrawal Charges

​Posted: September 1 2023

ATMs in Zambia with no fees:
​
  1. FNB Bank
  2. Ecobank
  3. Access Bank
  4. Atlasmara Bank
​
Ndola was the first place in Zambia where I found a functioning ATM. I had been using the money changers for the first week. Cash is very much still king in Africa. And you should be prepared too.

​USD and Euros are the easiest currencies to change.

Ndola has more banks than anywhere I have seen on this trip so far, with every bank in Zambia being represented here.
FNB ATM Zambia

1. FNB: 

FNB Zambia is a subsidiary of FNB South Africa, a wholly owned division of FirstRand Bank.

There are no FNB withdraw charges in Zambia.

​I used the FNB bank in Ndola with a UK-issued Wise VISA card. FNB ATMs in Zambia don't accept Mastercard. The FNB ATM withdrawal limit is 2000Kw.
FNB ATM in Zambia

2. Ecobank:

I successfully used the Ecobank in Kenya but was let down by Ecobank in Uganda where they added a withdrawal fee without warning me, so I could not accept or decline. It wasn't until later I saw the fee.

But in Zambia, there are no withdrawal fees at the Ecobank. Used with a UK-issued Wise VISA card and UK issued Mastercard.

Security told me, ordinarily that the withdrawal limit is 6,000 but the ATM is filled with only 50s, so the limit is 3,000.

Ecobank accepts both Visa and Mastercard. 
Ecobank atm in Zambia

3. Access Bank Zambia:

I used Access Bank Zambia in Lusaka. Their ATMs accept only Visa.
Access Bank ATM Zambia

4. Atlasmara

The Atlasmara ATM in Zambia gives you free cash withdrawals with VISA only.

If asked, you must select SAVINGS ACCOUNT.

I used both ATMs in Livingstone and selected the wrong type of account. My request was declined. The other ATM was newer and it did not ask which type of account.

Photo is from Lusaka:
Atlasmara ATMs in zambia
Changing money in Zambia: The USD gets by far the best rate at the bank and money changers. The Euro and Pound Sterling rates are very low.

For example, using my WISE card at the ATM and paying the hotel or supermarket I was getting 25.60Kw to the pound. Money changers were only giving 21Kw. I even saw 20Kw.
Related Posts:
  • Free ATMs in Kenya
  • ATMs in Uganda
  • Free ATMs in Madagascar​
  • Free ATM Withdrawals in Morocco
Previous Post:​ ​How to get from Tunduma, Tanzania to Nakonde, Zambia
Next Post: ​My 3-night stopover in Mpika - Zambia

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