Personal FinanceZambia
RTSA Driving Licence Fees: New, Renewal and Replacement
Renewing a Zambian driving licence costs K312, or K398 once expired. Every RTSA licence fee for 2026: new, lost, foreign conversion and IDP.
9 Nov 2026 · 6 min read
Money moves in Zambia
11 guides written for Zambia, with local platforms, local rules and real numbers in ZMW.
Filter by topic
Side HustlesZambia
ZRA Tax Clearance Certificate: How to Apply Online, Download It and Avoid Refusal
How to get a ZRA tax clearance certificate in Zambia: who needs one, how to apply and download it free on TaxOnline, how long it lasts, and why ZRA refuses it.
2 Nov 2026 · 5 min read
Side HustlesZambia
ZRA TPIN: How to Register, Search by NRC and Download Your Certificate
How to get a ZRA TPIN in Zambia: check for an existing TPIN with your NRC, register online for free, and download your TPIN certificate from TaxOnline.
2 Nov 2026 · 6 min read
FreelancingZambia
Can You Use PayPal in Zambia? Paying Works, Receiving Doesn’t
PayPal in Zambia lets you pay online but not receive money or withdraw to a bank, Airtel or MTN. How Zambian freelancers get paid instead, with real costs.
1 Nov 2026 · 4 min read
Side HustlesZambia
PACRA Business Name Registration in Zambia: Fees, Form 3 and Online Steps
Register a business name in Zambia with PACRA for about K333: name clearance, BN Form III, online steps, annual returns and business name vs company.
1 Nov 2026 · 6 min read
FreelancingZambia
Payoneer in Zambia: Fees, Setup and How to Withdraw to Your Bank
Payoneer works in Zambia, but withdrawing to a local bank costs 1.2%–4% on top of a 1% receiving fee. Setup, real costs and when a direct transfer is cheaper.
30 Oct 2026 · 4 min read
InvestingZambia
How to Buy Treasury Bills in Zambia: Current Rates, Returns and Steps
Buy Zambian treasury bills from K1,000 on the Bank of Zambia Investor Portal. Latest rates (10% for 364 days), returns after 15% tax, and how to bid.
28 Oct 2026 · 6 min read
Side HustlesZambia
ZRA Smart Invoice: How to Register and Who Must Use It
ZRA Smart Invoice is free and required for VAT businesses since October 2024. How to register, which option to choose, offline rules and penalties.
28 Oct 2026 · 6 min read
Personal FinanceZambia
NAPSA Partial Withdrawal: Who Qualifies for the 20% and How It Works
NAPSA partial withdrawal: take 20% of your contributions once if you're under 60 with 60 monthly contributions or aged 45+. Tax-free. The 30% isn't open yet.
26 Oct 2026 · 6 min read
Personal FinanceZambia
PAYE in Zambia: ZRA Tax Bands, NAPSA, NHIMA and Your Net Pay
Zambia PAYE for 2026: 0% up to K5,100, then 20%, 30% and 37% above K9,200. Worked examples, NAPSA (max K1,861.80), NHIMA and net pay tables from ZRA's guide.
23 Oct 2026 · 7 min read
Personal FinanceZambia
Airtel Money Charges in Zambia: Withdrawal, Sending and Bank Fees
Airtel Money charges in Zambia for 2026: withdrawal fees from K2.50 to K60, sending costs with the new government levy, bank transfers, limits and MTN tips.
21 Oct 2026 · 9 min read
Useful anywhere in Africa
FreelancingAfrica
Best Virtual Dollar Cards for African Freelancers
Compare Grey, Chipper Cash, Payoneer and Kenya's M-PESA GlobalPay card for paying Upwork Connects and ad spend in dollars, fees checked November 2026.
9 Nov 2026 · 8 min read
Personal FinanceAfrica
PAPSS Explained: How African Businesses Can Pay Each Other Without Dollars
PAPSS lets African businesses pay suppliers abroad in local currency, skipping the dollar. Which banks are live and what still doesn't, October 2026.
12 Oct 2026 · 7 min read
FreelancingAfrica
Best Remote Jobs for Africans (No Experience Needed)
No-experience remote jobs for Africans in 2026: AI rater work, virtual assistant roles, Africa-friendly job boards, and how to get paid without losing to fees.
12 Oct 2026 · 9 min read
Personal FinanceAfrica
Cheapest Ways to Send Money to Africa From the UK or US
Compare real fees for sending money to Kenya, Nigeria, Ghana and South Africa from the UK or US via Wise, WorldRemit and M-Pesa, checked October 2026.
5 Oct 2026 · 8 min read
FreelancingAfrica
Digital Skills in Demand in Africa: What to Learn to Earn in Dollars
The digital skills actually in demand for African freelancers in 2026, backed by Upwork's own data, plus how to get paid and the scams to dodge.
18 Sept 2025 · 8 min read
FreelancingKenyaAfrica
Fiverr vs Upwork: Which Pays African Freelancers More?
Fiverr charges a flat 20% seller fee. Upwork dropped its flat 10% for a 0-15% rate per contract. Here is what each actually costs African freelancers in 2026.
9 Sept 2025 · 7 min read