USD and EUR business account for 
Zambian companies.
Altitude is a global business account that exporters, consultancies, and other companies registered in Zambia can open online. Get USD and EUR accounts, global payments and FX, corporate cards, bill pay, invoicing, and accounting in one place.
Open online from anywhere. Use your Zambian entity, with no need to open a US entity.
$1.5B annualized payment volume.
Free to open and to receive, with no setup or monthly fee.
USD and EUR account details for your Zambian company.
- A US account number and routing number for clients who pay by ACH or wire.
- SWIFT details for USD wired from any bank outside the US.
- A SEPA IBAN that takes EUR from clients in Europe.
- Invoices you send from Altitude print these details, so clients copy them straight from the PDF.
Pay suppliers abroad from the same balance.
- Approve each payment in your Inbox, then USD leaves by SWIFT and arrives within five business days.
- Settle EUR bills by SEPA, from your EUR balance or from USD at a quoted rate.
- Local payments by SPEI in Mexico, Pix in Brazil, Bre-B in Colombia, and Faster Payments in the UK.
- To send money to your bank in Zambia, send USD by SWIFT.
Apply as a company registered with PACRA.
- A company limited by shares (Ltd) or by guarantee, or a public limited company (PLC), applies with its PACRA certificate of incorporation and TPIN.
- Business verification checks the company, each shareholder with 25% or more, and at least one officer in control of it.
- Name a physical operating address, such as an office or a factory. A P.O. box or virtual office doesn’t count.
What you need to open an account online.
PACRA certificate
Your certificate of incorporation with the 12-digit PACRA number, plus your ZRA TPIN.
PACRA printout
A legal entity printout from PACRA listing your shareholders, or your own share register.
Contract or invoice
A consultancy contract, client invoice, or supplier invoice in your company’s name, under six months old.
ZESCO bill or lease
A ZESCO or water bill dated in the last three months, or a lease, for your trading premises.
NRC or passport
Shareholders with 25% or more open an emailed link and verify with an NRC or passport.
Check your Altitude eligibility
Secure from the ground up.
Your business controls the account
Your account is fully controlled by you. Altitude cannot access or move your funds.
Approvals enforced
by codeSet member permissions and approval thresholds for your workspace. Every transaction follows the rules you set and requires the right approvals before it can go through.
Secure access for every team member
Individual accounts are protected by configurable MFA and passkeys, with optional hardware security keys like YubiKey.
Global access through licensed partners
Altitude works with licensed payment providers and established global financial institutions worldwide.
Run all your Zambian company finances from one account.
- Payments Pay suppliers abroad by SWIFT, SEPA, or local transfer, with the rate shown before you send.
- Cards and spend management Give your team virtual cards with the limits you set.
- Bill pay Forward supplier bills, approve them, and pay them from your balance.
- Accounting Deposits and payments arrive with a suggested category, ready to sync to QuickBooks or Xero.
- Invoicing Invoice clients in USD or EUR with your account details printed on every invoice.
Yes. Zambia is supported for USD accounts, EUR accounts, SWIFT payments, and cards. A company registered with PACRA can apply online for a USD and EUR business account for Zambian companies. The accounts are enabled once Altitude has verified the company and its owners.
No. You open the account with your Zambian entity and its own documents: its PACRA certificate of incorporation, a legal entity printout or share register, a contract or invoice from the last six months, and a ZESCO bill or lease for its premises. You don’t need a US entity.
Exporters, consultancies, agencies, service companies, and any other company registered with PACRA. Each one applies online with its PACRA certificate of incorporation and TPIN, then gets USD and EUR accounts, global payments, and corporate cards in one workspace.
You get a USD business account and a euro business account for your company in Zambia. Clients in the US pay your USD account by ACH or wire, using its routing number and account number. Clients elsewhere send USD by SWIFT with the account’s SWIFT details. Your EUR account’s SEPA IBAN takes EUR transfers. Payers name your company exactly as PACRA registered it and send SWIFT in USD.
It’s free to open, with no setup or monthly fee. Receiving ACH, wire, SEPA, and SWIFT payments is free, and you see the cost of every payment you send before you approve it.
Send USD by SWIFT to the account your company holds with a bank in Zambia. It arrives within five business days. If that account is in another currency, your bank may convert the payment.
To open the account online, you’ll need:
- Your PACRA certificate of incorporation, with the company’s 12-digit entity number, and its ZRA TPIN.
- A PACRA legal entity printout, which lists your shareholders and beneficial owners, or your own share register. A printout is valid only on the day PACRA issues it, so download it when you apply.
- A contract or invoice in your company’s name, issued or received in the last six months.
- A ZESCO or water utility bill dated in the last three months, or a lease, for the premises you trade from.
- An identity check for each owner with 25% or more, sent by email, using an NRC or passport.
A USD account at a Zambian bank comes with a Zambian account number. Altitude gives your company US routing and account numbers, SWIFT details, and a SEPA IBAN, so clients in the US and Europe pay through their own domestic transfer systems. Your supplier payments abroad leave from the same balance.
Zambia is a supported country, so qualifying means passing business verification. Find your company in the registry search or enter its details by hand, answer the business questionnaire, and upload your documents. Each owner with 25% or more, and at least one control person, then completes an identity check with a photo ID and a live selfie.
No. Altitude is a financial technology platform, not a bank. Your company gets a global business account with USD and EUR account details and payments abroad.
Open a USD and EUR business account for your Zambian company.
Apply online with your company’s documents.