Write the constitution
Share price, minimum shares per sitting, share cap, saving and repayment phases, interest per month, loan multiple, social fund, penalties, sitting day. The admin tunes every rule.
Village banking · Zambia
Your village banking group, on your phone.
Start a group, invite members, and let everyone contribute with MTN, Airtel or Zamtel mobile money or a Visa/Mastercard. Loans, interest and the share-out are worked out for you — every kwacha recorded.
- Run up to two groups as admin
- Invite by phone or link
- PIN on every transaction
2groups per admin
3mobile money networks
0%on contributions
24/7group access
Village banking, digitised
Everything your group did in a notebook — now automatic
The person who starts the group is its admin. Members join by invitation and everything is recorded for everyone to see.
Invite members
Invite by phone or WhatsApp link. Members accept the constitution and name their next of kin; whoever invites them is their guarantor.
Buy shares & borrow
Savings are bought as shares, straight from each member's balance. Borrowing is based on shares held; missed sittings are penalised automatically.
Share out
At cycle end the pool — savings, interest and penalties — is split by shares held, unpaid loans are deducted from defaulters and guarantors, and the social fund balance is returned.
Also in your account
A full wallet behind every group
Contributions and loans move between your KalooPay balance and the group pool. Fund that balance however suits you.
Mobile money top-ups
Add money from MTN MoMo, Airtel Money or Zamtel Kwacha. You get a prompt on your phone, approve it, done.
Cards welcome
Pay in with any Visa or Mastercard through a secure hosted checkout. Your card details never touch our servers.
Instant transfers
Send to any KalooPay account for free, instantly, using a phone number or account number — or to any mobile money wallet.
Savings pockets
Set money aside for school fees, rent or a trip. Pockets keep it out of your spending balance until you need it.
Clear statements
Every kwacha accounted for. Search, filter and download your statement as CSV any time.
Cash out anywhere
Withdraw straight to your own mobile money number and cash out at any agent in the country.
Ways to pay
MTN MoMo
Airtel Money
Zamtel Kwacha
Add money the way that suits you
Both routes settle into the same balance. Choose per top-up.
Mobile money
USSD approval on your phone. Works on MTN, Airtel and Zamtel.
MTN MoMoAirtel MoneyZamtel KwachaDebit or credit card
Visa and Mastercard, local or international. 3-D Secure protected hosted checkout.
VisaMastercard3-D Secure
How a top-up works
- 1Choose an amountFrom K5 up to your daily limit.
- 2Pick mobile money or cardEnter the number to charge, or open the card checkout.
- 3ApproveEnter your mobile money PIN on the prompt, or complete 3-D Secure.
- 4Money landsYour balance updates the moment the network confirms.
Security
Serious about keeping your money yours
We designed KalooPay the way a bank's fraud team would want it: every move out of your account is PIN-checked, large withdrawals are reviewed by a human, and nothing is settled on a gateway's word alone.
- Transaction PINSending, withdrawing and taking from pockets all need your 4-digit PIN. Five wrong tries locks it for 30 minutes.
- Hosted card checkoutCard numbers are entered on the processor's PCI-DSS certified page, never ours.
- Reviewed withdrawalsWithdrawals above the instant limit are checked by our team before they leave.
- Double-verified settlementEvery deposit is confirmed directly with the payment network before it is credited.
Questions
Frequently asked
How many groups can I run?
Anyone can be the admin of up to two open village banking groups at the same time, and can be a member of as many as they like. Once a group is shared out and closed you can start another.
How does the share-out work?
The admin closes the cycle once every loan is repaid. The whole pool, including interest earned on loans, is split between members in proportion to what each one contributed, and lands in their KalooPay balance immediately.
What do I need to open an account?
A Zambian mobile number (MTN, Airtel or Zamtel), your name, a password and a 4-digit transaction PIN. You can add an email for card receipts.
How fast do mobile money deposits arrive?
Usually within a minute of approving the prompt on your phone. If a network is slow, the deposit stays "pending" and is credited automatically the moment the network confirms it.
Are card payments safe?
Yes. Cards are processed on a hosted checkout page from our payment partner, Lenco, with 3-D Secure. KalooPay never sees or stores your card number.
What does it cost?
Opening an account, adding money by mobile money and transferring between KalooPay accounts are free. Withdrawals and sending to a mobile money wallet carry a small flat fee shown before you confirm.
Can I withdraw to any number?
Withdrawals go only to the mobile number registered on your account — this protects you if your phone is stolen. To pay someone else, use Send.
What if I forget my PIN?
Set a new one in Settings using your account password. If you have lost both, contact support and we will verify you.
Ready to open your account?
It takes two minutes. All you need is a Zambian mobile number.