How to Buy ZESCO Units Online (Airtel, MTN & Zamtel Steps

Chilapa
35 Min Read
⚡

Complete Guide: How to Buy ZESCO Units Online in Zambia

Your comprehensive 2026 guide to purchasing prepaid electricity using Airtel Money, MTN MoMo, and Zamtel Kwacha

📱
3 Networks
Airtel, MTN, Zamtel
All major mobile money platforms supported
⏱️
2 Minutes
Average Time
Quick and convenient purchases
🔒
24/7
Available
Buy anytime, anywhere

📋 What You Need Before You Start

Before purchasing ZESCO units online, ensure you have everything ready for a smooth transaction. Being prepared will help you avoid common mistakes and ensure your electricity is restored quickly.

✅ Pre-Purchase Checklist

🔢
Your ZESCO Meter Number (11-12 digits) Find it on your meter display, previous token receipts, or ZESCO documents. This is the most critical piece of information.
💰
Sufficient Mobile Money Balance Ensure your Airtel Money, MTN MoMo, or Zamtel Kwacha account has enough funds for the purchase amount.
🔐
Your Mobile Money PIN Keep your 4-5 digit PIN secure but accessible. You’ll need it to authorize the transaction.
📶
Stable Network Connection Ensure you have good mobile network signal to avoid transaction failures or timeouts.
📍
Where to Find Your Meter Number
Location 1: On the front panel of your ZESCO prepaid meter
Location 2: On previous token SMS receipts
Location 3: On your ZESCO bill or connection documents
Location 4: Ask your landlord or property manager
⚠️ Critical Security Warning:
Never share your Mobile Money PIN with anyone. Legitimate ZESCO or mobile network staff will NEVER ask for your PIN. If someone calls or messages you asking for your PIN, it is a scam. Hang up immediately and report it to your mobile network provider.

📱 Method 1: Buying ZESCO Units via Airtel Money

Airtel Money

USSD Code: *115# | Customer Care: 111

Airtel Money is one of the most popular mobile money platforms in Zambia, offering a reliable and user-friendly way to purchase ZESCO units. Follow these detailed steps:

📱 Airtel Money Menu

1️⃣ Send Money →
2️⃣ Withdraw Cash →
3️⃣ Buy Airtime →
4️⃣ Pay Bills →
5️⃣ My Account →

Step-by-Step Instructions:

1
Dial the USSD Code On your Airtel mobile phone, dial *115# and press the call button. This will open the Airtel Money main menu on your screen.
2
Navigate to Pay Bills From the main menu, select option 4 for “Pay Bills” by typing 4 and pressing send.
3
Select ZESCO Look for “ZESCO” or “ZESCO Prepaid” in the list of billers. It’s usually one of the first options. Select it by entering the corresponding number.
4
Enter Your Meter Number Carefully type in your 11 or 12-digit ZESCO meter number. Double-check each digit before pressing send. A single wrong digit could send units to the wrong meter.
5
Verify Meter Details The system will display the registered name or location associated with that meter. Verify that this information matches your meter before proceeding. If incorrect, cancel and re-enter.
6
Enter Purchase Amount Enter the amount in Zambian Kwacha (ZMW) you wish to spend. Common amounts: K50, K100, K200, K500. Minimum is usually K5, maximum around K5,000 per transaction.
7
Enter Your PIN Carefully type your Airtel Money PIN (4 or 5 digits). For security, numbers won’t show on screen. Press send to authorize.
8
Receive Your Token Within seconds to minutes, you’ll receive an SMS with your 20-digit token number, amount paid, kWh units purchased, and remaining balance.
9
Enter Token into Meter Go to your ZESCO prepaid meter and enter the 20-digit token exactly as it appears. Press enter or the green button. Your meter will display the kWh units added and new balance.
💡 Airtel Money Quick Reference:
• USSD Code: *115#
• Menu Path: Pay Bills → ZESCO → Meter Number → Amount → PIN
• Customer Care: 111 (Toll-free from Airtel)
• Transaction Fee: Usually free for bill payments

📱 Method 2: Buying ZESCO Units via MTN MoMo

MTN Mobile Money (MoMo)

USSD Code: *303# | Customer Care: 100

MTN Mobile Money (MoMo) is another widely-used platform in Zambia. The process is similar to Airtel Money but with different USSD codes and menu structures.

📱 MTN MoMo Menu

1️⃣ Transfer Money →
2️⃣ MoMo Cash →
3️⃣ Airtime & Bundles →
4️⃣ Pay Bills →
5️⃣ Financial Services →

Detailed Step-by-Step Process:

1
Access MTN MoMo Dial *303# on your MTN line and press call. Alternatively, use the MTN MoMo app from Google Play Store or Apple App Store for a more visual experience.
2
Select Pay Bills From the MoMo main menu, select option 4 which is typically “Pay Bills” or “Bill Payments”.
3
Choose ZESCO Find and select “ZESCO” from the billers list. If you don’t see it immediately, select “View All Billers” or scroll through the list.
4
Input Meter Number Enter your 11 or 12-digit ZESCO meter number when prompted. The system may ask you to enter it twice for confirmation.
5
Confirmation Screen The system will display meter details including registered name or location. This is your chance to catch errors! If details don’t match, cancel immediately.
6
Enter Amount Type in the amount in Kwacha you want to spend. The system will show you how many kWh units this will buy based on your tariff rate.
7
Authorize with PIN Enter your MTN MoMo PIN (4 or 5 digits) to authorize the payment. Keep your PIN confidential and shield the screen when typing.
8
Transaction Confirmation You’ll receive a confirmation SMS showing the transaction was successful. Within moments, you’ll receive a second SMS with your 20-digit ZESCO token.
9
Load Your Meter Enter the 20-digit token into your ZESCO prepaid meter. The meter should beep or display a confirmation message showing units have been added successfully.

Using the MTN MoMo App (Alternative)

If you have a smartphone, the MTN MoMo app offers a more user-friendly interface:

  1. Open the MTN MoMo app and log in with your PIN or biometrics
  2. Tap on “Pay” or “Bill Payments”
  3. Select “ZESCO” from the billers list
  4. Enter your meter number and save it for future use
  5. Enter the amount and confirm
  6. The app will show your transaction history and token
✅ Pro Tip: The MTN MoMo app allows you to save your meter number, making future purchases faster. You can also set up reminders for when your units are running low.

📱 Method 3: Buying ZESCO Units via Zamtel Kwacha

Zamtel Kwacha

USSD Code: *303# or *333# | Customer Care: 111

Zamtel Kwacha is the mobile money service provided by Zamtel, Zambia’s third mobile network operator. The process is straightforward and similar to the other networks.

📱 Zamtel Kwacha Menu

1️⃣ Send Money →
2️⃣ Cash Withdrawal →
3️⃣ Pay Bills →
4️⃣ Buy Airtime →
5️⃣ My Account →

Complete Instructions:

1
Access Zamtel Kwacha Dial *303# or *333# (depending on your menu version) on your Zamtel line. Press call to access the menu.
2
Select Payment Option From the main menu, select the option for “Pay Bills” or “Bill Payments”. This is usually option 3 or 4 depending on your menu version.
3
Choose Electricity/ZESCO Select “ZESCO” or “Electricity” from the list of available billers.
4
Enter Meter Details Input your ZESCO meter number carefully. The system may ask you to confirm it by entering it twice.
5
Verify Information Check the meter name and location displayed. Confirm it matches your meter before proceeding.
6
Input Amount Enter the amount in ZMW you wish to purchase. The system will display the equivalent kWh based on current tariff rates.
7
Confirm and Pay Enter your Zamtel Kwacha PIN to complete the transaction.
8
Receive Token You’ll receive an SMS with your 20-digit token. Save this SMS or write down the token number.
9
Enter Token Key in the 20-digit token on your ZESCO prepaid meter to load the units.
💡 Zamtel Kwacha Quick Reference:
• USSD Code: *303# or *333#
• Menu Path: Pay Bills → ZESCO → Meter Number → Amount → PIN
• Customer Care: 111 (Toll-free from Zamtel)

🏦 Alternative Methods to Buy ZESCO Units

While mobile money is the most convenient method, there are several other ways to purchase ZESCO units:

1. Bank Mobile Apps and Internet Banking

Most Zambian banks offer ZESCO bill payment through their digital platforms:

🏦
Major Banks Supporting ZESCO Payments
Zanaco: Mobile app & internet banking → Bill Payments → ZESCO
Stanbic: Mobile app → Payments → Bill Payments → ZESCO Prepaid
FNB: App or online banking → Payments → Buy Electricity
Absa: Mobile banking app → Pay → Utilities → ZESCO

2. ATM Payments

Some bank ATMs in Zambia allow you to purchase ZESCO units:

  1. Insert your bank card and enter PIN
  2. Select “Bill Payments” or “Utilities”
  3. Choose “ZESCO”
  4. Enter meter number
  5. Enter amount
  6. Collect receipt with token

3. Online Payment Platforms

Several online platforms allow ZESCO purchases:

  • Zanaco eZCash: Web-based platform for bill payments
  • PayGo: Online payment aggregator
  • QuickPay: Bill payment service

4. Physical Vending Points

Traditional methods still available:

  • ZESCO vending stations
  • Authorized token vendors (shops, supermarkets)
  • ZESCO customer service centers

🔧 Troubleshooting Common Issues

Even with the best systems, issues can occur. Here’s how to handle common problems:

Problem 1: Money Deducted But No Token Received

Symptoms: Your mobile money account shows the money was deducted, but you haven’t received the SMS with the token after 15-20 minutes.

Solutions:

  1. Wait 15-30 minutes: Sometimes SMS delivery is delayed due to network congestion.
  2. Check SMS inbox and spam: The token SMS might be in your spam folder or you might have accidentally deleted it.
  3. Check transaction status: Dial your mobile money USSD code again and check “Transaction History” or “Mini Statement” to confirm the transaction went through.
  4. Contact mobile money provider:
    • Airtel: Dial 111 or visit an Airtel Money agent
    • MTN: Dial 100 or visit MTN service center
    • Zamtel: Dial 111 or visit Zamtel shop
  5. Contact ZESCO: Call ZESCO customer care at 8111, 0977788111, or 0955788111. Provide them with:
    • Your meter number
    • Mobile money transaction ID/reference number
    • Date and time of transaction
    • Amount paid
  6. Visit ZESCO office: If phone support doesn’t resolve it, visit your nearest ZESCO customer service center with your transaction receipt and NRC.
✅ Good to Know:
Mobile money transactions for ZESCO are generally very reliable. Failed transactions are rare, and when they do occur, the money is typically reversed to your account within 24-48 hours automatically.

Problem 2: Token Not Working/Rejected by Meter

Symptoms: You entered the token but the meter rejects it or shows an error.

Solutions:

  1. Check for typos: Ensure you entered all 20 digits correctly. ZESCO tokens are case-sensitive and must be exact.
  2. Check meter display: If the meter shows “Err” or beeps, you may have entered it wrong. You usually have 3 attempts before the meter locks temporarily.
  3. Wait and retry: If the meter is locked, wait 10-15 minutes and try again.
  4. Verify meter number: Confirm you bought tokens for the correct meter number.
  5. Check meter battery: If your meter display is dim or blank, the battery may be dead. Contact ZESCO for battery replacement.
  6. Contact ZESCO: If the token is correct but still not working, call ZESCO with the token number and meter number for assistance.

Problem 3: Wrong Meter Number Entered

Symptoms: You realized after payment that you entered the wrong meter number.

Solutions:

  1. Act quickly: Contact ZESCO immediately at 8111 or visit a ZESCO office.
  2. Provide details: Give them:
    • Wrong meter number you entered
    • Correct meter number (if you know it)
    • Transaction reference number
    • Amount paid
    • Date and time
  3. Token reversal: If the token hasn’t been used on the wrong meter, ZESCO can sometimes reverse it and issue a new token for the correct meter.
  4. If token was used: Unfortunately, if someone else used the token on their meter, it cannot be reversed. This is why verification is crucial!

💰 Understanding ZESCO Tariffs and Rates

Understanding how ZESCO tariffs work will help you budget better and understand how many kWh units you’re getting for your money.

ZESCO Prepaid Tariff Categories (2024/2025)

Tariff Category Description Approximate Rate (ZMW/kWh)
Domestic Lifeline (DL) For low-consumption households (0-100 kWh/month) K 0.23 – 0.30
Domestic Normal (DN) Standard residential tariff K 0.60 – 0.75
Domestic High (DH) High-consumption households K 0.80 – 1.00
Commercial Small businesses and shops K 1.10 – 1.50
Industrial Large industries and factories K 0.90 – 1.30

How to Check Your Tariff Category

You can determine your tariff category by:

  1. Check your token SMS: The SMS you receive after purchasing units often indicates your tariff category.
  2. Calculate: Divide the amount you paid by the kWh units received. For example, if you paid K100 and received 150 kWh, your rate is K0.67/kWh (Domestic Normal).
  3. Contact ZESCO: Call 8111 and ask them to confirm your tariff category.
  4. Check meter display: Some meters display the tariff code when you press certain buttons.

Example Calculations

Example 1: Domestic Lifeline User
• Amount paid: K50
• Tariff: K0.25/kWh (Lifeline)
• Units received: 50 ÷ 0.25 = 200 kWh
Example 2: Domestic Normal User
• Amount paid: K100
• Tariff: K0.67/kWh (Normal)
• Units received: 100 ÷ 0.67 = 149 kWh
Example 3: Commercial User
• Amount paid: K500
• Tariff: K1.25/kWh (Commercial)
• Units received: 500 ÷ 1.25 = 400 kWh

💡 Money-Saving Tips and Best Practices

💰
Smart Energy Management
Save money on your electricity bills with these proven strategies

1. Buy in Bulk When Possible

While you can buy as little as K5 worth of units, buying in larger amounts (K200-K500) is more convenient and reduces the frequency of purchases. Some vendors may even offer small discounts for bulk purchases.

2. Monitor Your Usage

Track your monthly consumption to:

  • Identify high-consumption appliances
  • Detect faulty appliances (sudden increase in usage)
  • Budget effectively for electricity costs
  • Identify if you qualify for a lower tariff category

3. Use Energy-Efficient Appliances

Reduce your electricity consumption by:

  • Using LED bulbs instead of incandescent bulbs (use 75% less energy)
  • Buying inverter refrigerators and air conditioners
  • Using solar water heaters instead of electric geysers
  • Unplugging devices when not in use (phantom load)
  • Using natural light during the day

4. Set Up Low Balance Alerts

Some meters allow you to set a low balance alert threshold. Set it to 10-15 kWh so you have time to purchase more units before running out completely.

5. Keep Emergency Tokens

Always keep a small emergency token (K20-K50 worth) saved in case you run out at night or during weekends when vendors may be closed.

6. Regular Meter Maintenance

  • Keep your meter clean and dry
  • Ensure the meter is easily accessible for token entry
  • Protect the meter from direct sunlight and rain
  • Report any meter faults to ZESCO immediately
💡 Energy-Saving Quick Tips:
• Replace old appliances with energy-efficient models
• Use pressure cookers instead of regular pots (saves 70% cooking energy)
• Iron multiple clothes at once instead of one at a time
• Keep refrigerator doors closed as much as possible
• Use fans instead of air conditioners when possible
• Wash clothes in cold water instead of hot

❓ Frequently Asked Questions (FAQ)

Q1: What is the minimum amount I can buy?
A: The minimum purchase is typically K5 (five Kwacha). However, buying such a small amount is not practical as you’ll get very few units and will need to buy again soon.
Q2: What is the maximum amount I can buy in one transaction?
A: The maximum varies by platform but is usually between K3,000 to K5,000 per transaction. If you need to buy more, you can make multiple transactions.
Q3: Can I buy ZESCO units for someone else’s meter?
A: Yes! You can buy units for any meter number, not just your own. This is useful for helping family members, paying for rental properties, or managing multiple properties. Just enter their meter number instead of yours.
Q4: Do ZESCO tokens expire?
A: No, ZESCO tokens do not expire. Once you purchase units, they are credited to your meter and remain there until used. However, the SMS containing the token should be kept safe until you’ve entered it into your meter.
Q5: Can I get a refund if I bought units for the wrong meter?
A: It depends:
• If the token hasn’t been used: Contact ZESCO immediately with proof of purchase. They may reverse the transaction.
• If the token has been used: Unfortunately, refunds are not possible as the units have been consumed. This is why verification is crucial!
Q6: Why did I receive fewer units than expected?
A: This could be due to:
• Tariff category: Different tariffs have different rates per kWh
• Tariff increase: ZESCO occasionally adjusts tariffs
• Debt repayment: If you had outstanding debt, some units may have gone toward repaying it
• System error: Rare, but contact ZESCO if you suspect an error
Q7: Can I buy ZESCO units from outside Zambia?
A: Yes, if you have a Zambian mobile number registered for mobile money. You can:
• Use mobile money if your SIM is active (even while roaming)
• Ask someone in Zambia to buy for you using your meter number
• Use online banking if you have a Zambian bank account
Q8: What happens when my meter runs out of units?
A: When your meter reaches 0 kWh:
• The power will be disconnected automatically
• Your meter will display “000” or “Empty”
• You must purchase and enter a new token to restore power
• Some meters give a final warning at 5-10 kWh remaining
Q9: Can I transfer units from one meter to another?
A: No, units cannot be transferred between meters. Once purchased, units are locked to the specific meter number they were bought for. If you need units for a different meter, you must make a separate purchase.
Q10: How long does it take to receive the token?
A: Tokens are usually received within:
• 1-5 minutes: Normal processing time
• 5-15 minutes: During peak hours or network congestion
• 15+ minutes: Unusual delay – contact customer care
Q11: Is there a transaction fee for buying ZESCO units?
A: Generally, no transaction fees are charged for ZESCO bill payments via mobile money. However, this can change, so always check the confirmation screen before entering your PIN to see if any fees apply.
Q12: Can I buy ZESCO units using someone else’s phone?
A: Yes, you can use any phone to dial the USSD codes, but:
• You must use a SIM card registered for mobile money
• You need the account holder’s PIN to authorize
• The token will be sent to the phone number used for the transaction
Q13: What should I do if my meter is stolen or damaged?
A: Contact ZESCO immediately:
1. Report the theft/damage to ZESCO customer care (8111)
2. File a police report if stolen
3. Visit ZESCO office with your NRC and proof of residence
4. Pay for meter replacement (if applicable)
5. Any remaining units on the old meter can be transferred to the new meter
Q14: Can I get a token receipt re-sent if I deleted the SMS?
A: Yes, you can:
• Check your mobile money transaction history – it may show the token
• Contact ZESCO customer care with your transaction reference number
• Visit a ZESCO office with proof of purchase
Q15: Why is my electricity more expensive than my neighbor’s?
A: Different tariffs apply based on:
• Consumption level: Higher usage = higher tariff category
• Property type: Residential vs. commercial
• Location: Some areas have different rates
• Meter type: Old vs. new tariff structures

🎯 Conclusion

Purchasing ZESCO units online has revolutionized how Zambians manage their electricity supply. With mobile money platforms like Airtel Money, MTN MoMo, and Zamtel Kwacha, you can now top up your meter in minutes without leaving your home. The convenience, security, and 24/7 availability make online purchases the preferred method for millions of Zambians.

Remember to always verify your meter number before confirming payment, keep your transaction receipts, and maintain a small emergency balance to avoid unexpected disconnections. By understanding your tariff category and monitoring your usage, you can better manage your electricity expenses and avoid surprises.

As Zambia continues to embrace digital financial services, the process of buying electricity will only become more streamlined and user-friendly. Stay informed about new features and platforms that may emerge, and always use official channels to protect yourself from scams and fraud.

Last Updated: 2026 | Disclaimer: This guide is for informational purposes. USSD codes, tariffs, and procedures may change. Always verify with official ZESCO and mobile network sources for the most current information.

Share This Article
Leave a Comment

Share with