🇿🇲 Zambia

Business finance made simpler in Zambia

Zambian businesses use Zivobooks to invoice in kwacha, collect by MTN Mobile Money, Airtel Money and Zamtel Kwacha, and prepare ZRA returns and payroll contributions without a spreadsheet.

Start free in Zambia Tax Beta

Taxes covered

Pay As You Earn 1 rules need source review

Provisional Income Tax No source gap marker detected

Skills Development Levy No source gap marker detected

Value Added Tax No source gap marker detected

Withholding Tax No source gap marker detected

Rules for the Zambia Revenue Authority (ZRA).

Currency

ZMW

Zambian kwacha (ZMW). Exchange rates: A central bank rate you enter, or daily market rates.

Fiscalisation & e-invoicing

Direct submission is only available when an approved connection is enabled for your business.

Smart Invoice reporting requires your ZRA-registered VSDC and taxpayer configuration. Check the workspace status before relying on a reported invoice.

Popular payment methods

MTN Mobile Money
Airtel Money
Zamtel Kwacha
ZIPSS bank transfers
Card machines

Payroll

ZRA PAYE with SDL, NAPSA and NHIMA figures, prepared from posted pay runs.

Your bank

Import statements from Zanaco, Stanbic, FNB Zambia, Absa Zambia and others that export a statement file.

What we do and don’t claim

The core product and country tax workspaces are available. Tax rules may need confirmation, and returns must be filed through the authority unless an approved connection is enabled. Rules marked for source review are planning aids and must be checked with the authority before use. A return is only marked Submitted or Accepted after an acknowledgement is recorded.

Zivobooks in Zambia

Can’t find what you’re looking for? Ask us directly, and a person will answer.

What tax work can I do in Zambia?

The country tax workspaces shown below help organise records and prepare the tax data supported for your business. Coverage varies by tax type; check the source review status on this page and confirm figures with ZRA before filing.

Which currency can I use?

Your base currency is the Zambian kwacha (ZMW). You can also invoice and bank in any other currency, with exchange rates recorded on every transaction.

Is payroll supported?

Yes. ZRA PAYE with SDL, NAPSA and NHIMA figures, prepared from posted pay runs. Payroll is on the Business plan and above.

Can I submit returns directly to ZRA?

Direct submission to ZRA depends on an approved integration being enabled for your business. A prepared return is not filed; use the authority’s channel unless your workspace confirms an acknowledgement.

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