What is the Zanaco fraud helpline number?

Zanaco lists these numbers on its own website: Call centre (all networks): 5000 (Mon–Sat 7am–7pm, Sun 7am–4pm, public holidays 8am–2pm); WhatsApp: +260 76 111 5000. Always dial the number printed on your card or shown in the official app if you are unsure.

How do I report fraud to Zanaco?

Call Zanaco's official line, or report it in the app or online: Chat with the Coco chatbot, 24/7, or by email: customerservice@zanaco.co.zm. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.

What if Zanaco will not help or refund me?

In Zambia you can complain to ZICTA (telecom/ICT regulator). Details of what each one handles are on this page.

Bank Fraud Help · Zambia

Zanaco Fraud: How to Report It and Stop the Money

If money left your Zanaco account without your permission, or you paid a scammer, contact Zanaco straight away and ask it to block the payment and your card. The first minutes matter most.

Do this first

Call Zanaco’s official line below, or use help inside the official Zanaco app. Never use a number from a text, a caller or a search result.
Give them the transaction details (amount, time, and the account or number you paid) and ask them to block your card and stop or recall the payment.
Change your online banking password and PIN if anyone may know them. Zanaco will never ask for your PIN, password or a one-time code.
Report it to the police too: see who handles cybercrime in Zambia, and keep screenshots of every message and payment.

Official Zanaco fraud contacts

Zanaco

Bank

Call centre (all networks):5000(Mon–Sat 7am–7pm, Sun 7am–4pm, public holidays 8am–2pm)
WhatsApp:+260 76 111 5000

App or online: Chat with the Coco chatbot, 24/7

Email: [email protected]

Source: Zanaco official page

If Zanaco won’t help

ZICTA (telecom/ICT regulator)

Complaints about telecom operators, such as SIM, airtime or service problems.

Official website

Report it to the police too

Cybercrime agencies in Zambia lists who to report to.

Common questions about Zanaco fraud

What is the Zanaco fraud helpline number?: Zanaco lists these numbers on its own website: Call centre (all networks): 5000 (Mon–Sat 7am–7pm, Sun 7am–4pm, public holidays 8am–2pm); WhatsApp: +260 76 111 5000. Always dial the number printed on your card or shown in the official app if you are unsure.
How do I report fraud to Zanaco?: Call Zanaco's official line, or report it in the app or online: Chat with the Coco chatbot, 24/7, or by email: [email protected]. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.
What if Zanaco will not help or refund me?: In Zambia you can complain to ZICTA (telecom/ICT regulator). Details of what each one handles are on this page.

Other providers in Zambia

Stanbic Bank Zambia Absa Bank Zambia FNB Zambia Airtel Money Zambia MTN Mobile Money Zambia

These contacts were read on Zanaco’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Ministry of Cyber Affairs is not Zanaco and cannot recover money. All Zambia providers are in Bank Fraud Help: Zambia.