Get a free virtual or physical debit card for online and in-store shopping.
Make local and international payments – even with zero balance!
Withdraw cash from any ATM, directly linked to your Lupiya wallet.
Manage and secure your card anytime with the Lupiya app.
Essential Bills
Bill Payments Made Easy
Stay connected, powered up, and entertained with effortless bill payments for airtime, data, electricity, water, and TV subscriptions across Zambia and Tanzania.
Apply for a wallet overdraft via the Lupiya mobile app, activate it in 5 minutes, stay active to increase your limit, and avoid defaults to keep enjoying this feature.
The Lupiya App is built to make financial services seamless and accessible. Whether you need to make fast and secure payments, apply for loans, manage investments, or track your transactions, our app brings all these features together in one convenient platform. Enjoy hassle-free loan applications, quick disbursements, easy repayments, and full visibility into your financial activities—all in a few taps.
Who can use this application?
Lupiya Pay is available to all Zambians aged 18 and above with a valid Government-issued ID.
How do I get started with the application?
To get started, download the app from your mobile app store, sign up with your mobile number, submit your KYC Application and voila!
How can I apply for Loan using the app?
1. Verify Your Account – Submit your account verification details and wait for approval. 2. Apply for a Loan – Once approved, log in to the app, click on "Borrow", and select the loan type that suits you.
3. Track Your Loan – Monitor your application status within the app.
4. Receive Funds – Upon approval, your loan amount will be disbursed directly into your Lupiya wallet.
Are there any limits on transactions
Yes, transaction limits may apply based on your KYC verification level. For more details, please contact our Support Team at +260761167020.
Minimum Tenure: 62 days | Maximum Tenure: 60 months | Maximum APR: 40%
Representative Example of a K1,000,000 SME loan over 12 months:
