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Updated on April 20, 2026

Updated on April 20, 2026

Terms & Conditions

These Terms & Conditions govern your use of XBanq. By creating an account or using the app, you agree to these terms.

These Terms & Conditions govern your use of XBanq. By creating an account or using the app, you agree to these terms.

Overview

XBanq is a mobile financial app that allows users to send and receive money, pay bills, use mobile money services, scan to pay, save money, and, where available, earn commission through agent-related services.

XBanq is a mobile financial app that allows users to send and receive money, pay bills, use mobile money services, scan to pay, save money, and, where available, earn commission through agent-related services.

Eligibility

To use XBanq, you must:

  • Be old enough (18 and above) to enter a binding agreement under Zambian law.

  • Provide accurate and complete information.

  • Use the app only for lawful purposes.

  • Follow all applicable laws and regulations.

To use XBanq, you must:

  • Be old enough (18 and above) to enter a binding agreement under Zambian law.

  • Provide accurate and complete information.

  • Use the app only for lawful purposes.

  • Follow all applicable laws and regulations.

Account responsibilities

You are responsible for:

  • Keeping your account information accurate.

  • Protecting your login details.

  • Not sharing your account with others.

  • Telling us immediately if you suspect unauthorized access.

You are responsible for:

  • Keeping your account information accurate.

  • Protecting your login details.

  • Not sharing your account with others.

  • Telling us immediately if you suspect unauthorized access.

Services we provide

XBanq may offer:

  • Money transfers to bank accounts and mobile money accounts.

  • Bill payments for services such as water, electricity, and other approved utilities.

  • Mobile money services and agent-related transactions.

  • QR code payments at participating merchants.

  • Savings features that may earn interest, subject to applicable rules.

XBanq may offer:

  • Money transfers to bank accounts and mobile money accounts.

  • Bill payments for services such as water, electricity, and other approved utilities.

  • Mobile money services and agent-related transactions.

  • QR code payments at participating merchants.

  • Savings features that may earn interest, subject to applicable rules.

Fees, commissions, and interest

Some services may include fees, commissions, or interest-based earnings. We will aim to explain applicable charges clearly in the app or in a separate fees page.

Some services may include fees, commissions, or interest-based earnings. We will aim to explain applicable charges clearly in the app or in a separate fees page.

Where available:

  • The first K1,000 transferred may be free, subject to the app’s current offer terms.

  • Agent transactions may earn commission according to the applicable program rules.

  • Savings balances may earn interest according to the savings terms.

Where available:

  • The first K1,000 transferred may be free, subject to the app’s current offer terms.

  • Agent transactions may earn commission according to the applicable program rules.

  • Savings balances may earn interest according to the savings terms.

Acceptable use

You agree not to:

  • Use the app for fraud, money laundering, or any illegal activity.

  • Attempt to hack, copy, or disrupt the app.

  • Use false identity details.

  • Abuse promotions, commissions, or rewards.

  • Use the app in a way that harms other users or XBanq.

You agree not to:

  • Use the app for fraud, money laundering, or any illegal activity.

  • Attempt to hack, copy, or disrupt the app.

  • Use false identity details.

  • Abuse promotions, commissions, or rewards.

  • Use the app in a way that harms other users or XBanq.

Verification and compliance

We may ask you to complete identity checks or other verification steps before allowing full access to some features. We may also limit, pause, or close accounts where required by law, policy, or risk controls.

We may ask you to complete identity checks or other verification steps before allowing full access to some features. We may also limit, pause, or close accounts where required by law, policy, or risk controls.

Suspension and termination

We may suspend or close your account if:

  • You violate these Terms.

  • Your account appears suspicious or fraudulent.

  • We are required to do so by law.

  • We are unable to verify your information.

We may suspend or close your account if:

  • You violate these Terms.

  • Your account appears suspicious or fraudulent.

  • We are required to do so by law.

  • We are unable to verify your information.

Limitation of liability

We work to keep XBanq reliable, but we do not promise that the app will always be error-free or uninterrupted. To the maximum extent allowed by law, XBanq will not be liable for losses caused by events outside our reasonable control, third-party failures, or misuse of the app.

We work to keep XBanq reliable, but we do not promise that the app will always be error-free or uninterrupted. To the maximum extent allowed by law, XBanq will not be liable for losses caused by events outside our reasonable control, third-party failures, or misuse of the app.

Termination

We reserve the right to suspend or terminate your access to XBanq if you violate these terms.

We reserve the right to suspend or terminate your access to XBanq if you violate these terms.

Changes to terms

We may update these Terms from time to time. Continued use of the app after updates means you accept the revised Terms.

We may update these Terms from time to time. Continued use of the app after updates means you accept the revised Terms.

Contact

For questions or legal concerns, reach us at legal@xbanq.com.

For questions or legal concerns, reach us at legal@xbanq.com.

Everything you need for your money, all in one app. Send, pay, save, and earn — simply and securely.

Download the app

Everything you need for your money, all in one app. Send, pay, save, and earn — simply and securely.

Download the app

Everything you need for your money, all in one app. Send, pay, save, and earn — simply and securely.

Download the app

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