Is ZNCOZMLU a valid SWIFT code?

Yes. ZNCOZMLU has the right format and is in our directory for ZAMBIA NATIONAL COMMERCIAL BANK PLC, LUSAKA. Confirm with the beneficiary that it is the bank that holds their account.

What is the difference between ZNCOZMLU and ZNCOZMLUXXX?

None. ZNCOZMLU is the 8-character form of ZNCOZMLUXXX; XXX at the end means the head office. Either works.

SWIFT/BIC · Zambia

ZNCOZMLU

ZAMBIA NATIONAL COMMERCIAL BANK PLC · Head office · LUSAKA

Code details

SWIFT/BIC: ZNCOZMLU (ZNCOZMLUXXX)
Institution: ZAMBIA NATIONAL COMMERCIAL BANK PLC
Office: Head office
Branch code: XXX · head office
Address: HEAD OFFICE, SAPELE ROAD/CAIRO ROAD CHAINDA PLACE, PLOT NO. 2118/2119, 10101 LUSAKA
City: LUSAKA
Country: Zambia

What ZNCOZMLU means

ZNCOZMLUXXX

ZNCOBank code
Four letters chosen by the institution.
ZMCountry code
Zambia (ISO 3166)
LULocation code
Where the institution sits on the SWIFT network. A 1 in second place marks a passive participant.
XXXBranch code
XXX, or nothing at all, means the head office.

Paying an account at this bank

Zambia does not use IBAN: send the beneficiary’s local account number with this code. Check an IBAN →

Questions

Is ZNCOZMLU a valid SWIFT code?: Yes. ZNCOZMLU has the right format and is in our directory for ZAMBIA NATIONAL COMMERCIAL BANK PLC, LUSAKA. Confirm with the beneficiary that it is the bank that holds their account.
What is the difference between ZNCOZMLU and ZNCOZMLUXXX?: None. ZNCOZMLU is the 8-character form of ZNCOZMLUXXX; XXX at the end means the head office. Either works.

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About this data

Codes are checked against our directory of banks on TrillioniPay corridors. Always confirm the code with the beneficiary’s bank before sending a payment. Last updated: 23 September 2026.

Institution names and addresses: Global Legal Entity Identifier Foundation (GLEIF) LEI data, available under CC0. The address is the legal entity’s registered or head-office address, which can differ from the office SWIFT lists.

SWIFT © and database rights August 2026. All rights reserved. This Mapping Table has been developed by SWIFT. Any use of the Mapping Table, in whole or in part, is subject to the BIC/LEI Mapping Table License Agreement as published with the Mapping Table available on GLEIF's website. The Mapping Table is updated monthly. For the latest BIC information and updates, always refer to www.swift.com/bic .