ZAMBIA

Zambia National Commercial Bank SWIFT code in Zambia

The SWIFT/BIC code for Zambia National Commercial Bank is ZNCOZMLUXXX. However, Zambia National Commercial Bank may use different SWIFT/BIC codes depending on the service or branch. If you’re unsure which to use, confirm with your recipient or contact Zambia National Commercial Bank directly.

ZNCOZMLUXXX

Bank name

ZAMBIA NATIONAL COMMERCIAL BANK PLC

SWIFT code

ZNCOZMLUXXX

Address

CAIRO ROAD

City

LUSAKA

Country

ZAMBIA

This is the main SWIFT/BIC code for Zambia National Commercial Bank in Zambia

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About ZNCOZMLUXXX

The main SWIFT code for Zambia National Commercial Bank in Zambia is ZNCOZMLUXXX. This code identifies the bank’s main office for international payments in Zambia and is commonly used when a branch-specific code isn’t required or available. If you’re sending money to an account with Zambia National Commercial Bank in Zambia, and the recipient hasn’t provided a local branch SWIFT code, using ZNCOZMLUXXX is typically a safe and reliable option.

When to use this SWIFT code

Using ZNCOZMLUXXX

You can use Zambia National Commercial Bank’s main SWIFT/BIC code ZNCOZMLUXXX when:

  • Sending an international money transfer to Zambia National Commercial Bank in Zambia

  • The recipient hasn’t provided a branch-specific SWIFT/BIC code

  • Zambia National Commercial Bank processes the payment centrally through its primary office

  • You want to use a widely accepted default SWIFT/BIC code

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Check your SWIFT payment for errors

Check your SWIFT payment for errors

Before sending a SWIFT payment, double-check that the SWIFT code matches the recipient’s bank and that the account number and name are entered correctly. Even small mistakes can delay or block the transfer. Contact your bank if you've made a transfer with incorrect details.

Receiving a payment

Receiving a payment to Zambia National Commercial Bank in Zambia?

To receive an international payment to your Zambia National Commercial Bank account in Zambia, you’ll need to provide the correct SWIFT/BIC code, account number, and other banking details. Make sure your sender has the right information to avoid delays.

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Frequently asked questions

The main office SWIFT code for Zambia National Commercial Bank is ZNCOZMLUXXX. This code is commonly used for international wire transfers to the bank's {{city}} headquarters. It identifies Zambia National Commercial Bank in the SWIFT network, helping ensure that funds are routed to the correct financial institution.

If you don’t know your local branch’s SWIFT code, you can usually use the main office SWIFT code (ZNCOZMLUXXX) to receive international payments. However, it’s best to confirm with your bank to avoid potential delays. You can find the correct code by checking your online banking portal, contacting customer service, or reviewing a recent bank statement.

Yes, it’s generally safe to use the primary office SWIFT code (ZNCOZMLUXXX) for receiving international payments—especially if your local branch doesn’t have a dedicated code. Zambia National Commercial Bank will still be able to route the funds to your account using your full account number and other identifying details. That said, always verify this approach with your bank, especially for large transactions.

To find the correct SWIFT code for your specific Zambia National Commercial Bank branch, you have a few options:

  • Use our Branch SWIFT Code Finder – the easiest way to check if your branch has a unique SWIFT code or if you should use the head office code (ZNCOZMLUXXX).

  • Log into your Zambia National Commercial Bank online banking platform and review the wire transfer instructions.

  • Contact your local branch or call Zambia National Commercial Bank customer service.

  • Look at a recent bank statement or checkbook, which may include international payment details.

If your branch doesn't have a unique SWIFT code, you can typically use ZNCOZMLUXXX.

If you enter the wrong SWIFT code:

  • Your payment may be delayed or rejected.

  • Funds might be sent to the wrong financial institution and could take time to recover.

  • Some banks may charge a fee for returned or misdirected payments.

To avoid this, always double-check the SWIFT code and account information before sending a transfer.

In most cases you’ll need a SWIFT code to receive international payments, as it identifies the receiving bank and ensures correct routing. Depending on the country and transfer method, the sender may also need additional details like your account number, routing number, or IBAN.

Yes, Zambia National Commercial Bank typically has a primary office SWIFT code (ZNCOZMLUXXX) as well as branch-specific SWIFT codes for certain locations. If you’re able to find the SWIFT code for your local branch, it’s best to use that to ensure the most accurate routing. If your branch doesn’t have a unique code or you’re unsure, using the primary code is generally acceptable for receiving international payments.

ZNCOZMLUXXX is the standard SWIFT code used for Zambia National Commercial Bank’s {{city}} head office. Other Zambia National Commercial Bank entities—such as branches in different countries or business units—may have their own SWIFT codes, especially for corporate or investment banking operations. The difference lies in the location or business purpose, but for most personal and small business transfers to Zambia, ZNCOZMLUXXX is the correct and sufficient code.

Disclaimer

The SWIFT codes, bank names, addresses, and other related information provided on this page are for general information purposes only. While we strive to ensure accuracy, Xe does not guarantee that the information is complete, current, or error-free. The details may change without notice and may not reflect the latest data available from the respective financial institutions.

Xe makes no representations regarding the legal standing, regulatory status, or operational integrity of any bank, financial institution, or intermediary listed. We do not endorse or verify the legitimacy of any entity included, nor do we assume any responsibility for your use of the information provided.

Any financial transactions or decisions undertaken based on this information are done at your own risk. Xe will not be liable for any loss, delay, or damages resulting from reliance on the data, nor from any dealings with third parties whose information is displayed on this site.

We recommend that you independently verify all details with the relevant financial institution before initiating any transaction.

This disclaimer is provided in English only and has not been translated. While the rest of this page may appear in your selected language, the legal disclaimer remains in English to preserve its accuracy and intent.