ZimaPay bridges mobile money and traditional banking — for Zimbabweans at home, across SADC, and in the diaspora. No queues. No nonsense. No branches.
CBZ, CABS, and Stanbic require documentation most Zimbabweans don't have, charge high fees, and have hours-long queues.
EcoCash and OneMoney are great for P2P but can't serve payroll, business accounts, cross-border payments, or credit products.
Western Union and WorldRemit take 5–12% on every transfer. That's money out of Zimbabwean families' pockets, every month.
Market traders, small farmers, and township entrepreneurs can't access credit because traditional banks don't know they exist.
ZimaPay sits between EcoCash and CBZ — more powerful than mobile money, more accessible than a bank. Multi-currency wallets, real credit products, instant remittances, and a credit score built from data that actually reflects how Zimbabweans live and trade.
We're not a bank. We're better. Built digital-first, with customer service that's human, fast, and in Shona, Ndebele, and English.
A full financial life in one app. No branches. No queues. Just your phone.
Hold USD, ZWG, ZAR, and Botswana Pula in one account. Switch between currencies instantly at live rates with no hidden margins.
Live Now PlanningSend money to anyone in Zimbabwe in under 10 seconds — to a ZimaPay account, EcoCash number, or straight to a bank account.
Core FeatureSend from UK, USA, South Africa, Canada and Australia at under 1% fee. Recipients get USD straight to their ZimaPay wallet — no cash pickup needed.
Launching Q3 2025Our alternative credit scoring uses mobile money history, trade patterns, and peer references. Finally, a score that reflects your real financial life.
Unique to ZimaPaySole traders, market vendors, and SMEs get a proper business account with invoicing, salary payments, and cash flow analytics — for $0 setup.
SME ReadyOur Harare-based support team answers in under 60 seconds, speaks your language, and actually solves problems. No bots. No ticket numbers. No excuses.
Our MoatSeasonal credit products for small-scale farmers built around harvest cycles — not arbitrary 30-day loan terms that make no sense for agriculture.
Coming 2026Set savings goals, lock money away, and earn interest. Save in USD to protect against currency fluctuations. Family group savings coming soon.
Core FeatureZambia, Mozambique, Malawi, and Botswana roll out in 2026. One app, one account, for the whole region's 360 million people.
Road MapTraditional credit scoring excludes most Africans. ZimaScore™ is built on real data that reflects real economic activity — not just formal employment history.
Whether you're in Peckham, Johannesburg, Toronto, or Melbourne — ZimaPay lets you bank at home and send money back for almost nothing.
Add your family in Harare to your ZimaPay family group. Set monthly allowances, see how they spend, and send with one tap — no form filling every time.
| What you get with ZimaPay | How we deliver it | Status |
|---|---|---|
| Open an account — no branch, no paperwork | ✓ 3 minutes on any phone | Core feature |
| Hold money in USD, ZWG, ZAR & Pula | ✓ Multi-currency wallets, live rates | Core feature |
| Send money internationally under 1% fee | ✓ Arrives in seconds, not days | Launching Q3 |
| Credit products for informal sector workers | ✓ ZimaScore™ — no formal history needed | Beta 2026 |
| Business accounts for sole traders & SMEs | ✓ Free setup, invoicing, payroll | Core feature |
| Human support answering in under 60 seconds | ✓ Harare team — Shona, Ndebele, English | Our promise |
| Cross-border payments across SADC | ✓ ZW → ZA → ZM → BW → MZ | Roadmap 2026 |
| USD savings accounts with real interest | ✓ Savings pockets, goal-based locking | Core feature |
No physical branches. Ever. Every dollar saved on real estate goes into product, technology, and — most importantly — customer support quality. The Monzo playbook, adapted for Zimbabwe.
In Zimbabwe, customer service is an afterthought. For us, it's a competitive advantage. Our Harare support team is the best-paid, best-trained, most-empowered support team in the country. Full stop.
Every decision is made with long-term quality in mind. Regulatory compliance, auditability, and governance are built in from day one — not bolted on later. We do this right, or we don't do it at all.
We grow through WhatsApp groups, church networks, market associations, and farmer cooperatives — not billboards. Word-of-mouth in Zimbabwe is more powerful than any ad budget.
Works on 2G. Works in Shona, Ndebele and English. Works for someone with a flip phone and a dollar to their name. Accessibility isn't a feature — it's the whole point.
Every transaction is a data point. Every data point builds a better ZimaScore. Every ZimaScore unlocks more credit. More credit grows the economy. That's our flywheel.
Join the waitlist. Tell us who you are. We're signing up founding members first — they get lower fees, higher credit limits, and a permanent place in the story of ZimaPay.