In Zimbabwe, a variety of payment methods are used, both traditional and digital. Here’s a detailed breakdown:

1. Bank Cards

• Visa & Mastercard: Widely accepted for local and international transactions.

• Debit Cards: Issued by local banks like CBZ, Steward Bank, Ecobank, and FBC.

2. Mobile Money

Mobile money is extremely popular due to limited access to international banking services.

• EcoCash – The most widely used mobile wallet in Zimbabwe.

• OneMoney – Offered by Steward Bank.

• TeleCash – Offered by TN Bank.

• Zipit – Bank-to-bank instant transfers via mobile apps.

3. Bank Transfers

• RTGS (Real Time Gross Settlement) – Common for larger payments between banks.

• SWIFT – Used for international transfers.

4. Online Payment Platforms

• PayPal – Limited; Zimbabweans generally cannot receive funds directly without workarounds like linked foreign accounts.

• Skrill, Neteller – Some people use these for online transactions.

• Cryptocurrencies – Bitcoin, Ethereum, and stablecoins are increasingly used due to hyperinflation and currency instability.

5. Cash

• Zimbabwean Dollar (ZWL) – Local currency for daily transactions.

• US Dollar (USD) – Still widely used, especially for larger or informal transactions.

💡 Tip: EcoCash dominates everyday payments, especially for retail, utilities, and online purchases within Zimbabwe.