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How to create a bank account in Zimbabwe?

steps + requirements for opening a bank account in Zimbabwe. If you tell me which bank you’re considering (e.g. FBC, CBZ, Stanbic, etc.), I can give you specifically for that bank.

 

What you’ll need (documents & info)

For a personal (non‑business) bank account, typically:

Item Details / Notes
Proof of Identity A valid national ID (if citizen), or passport / driver’s licence. firstcapitalbank.co.zw+2Stanbic Bank+2
Proof of Residence Utility bill (electricity, water, phone) not older than ~3 months; or letter from employer, affidavit or other accepted confirmation. preview.webworks.co.zw+3NMB Bank Limited Online Support Centre+3metbank.co.zw+3
Photographs Passport‑sized photos, often 2 copies. metbank.co.zw+2firstcapitalbank.co.zw+2
Initial Deposit Many banks require a minimum deposit to open the account. Amount depends on the bank and type of account. metbank.co.zw+2preview.webworks.co.zw+2
Proof of Income / Employment If you’re opening a current account, or one that has overdraft or credit features, banks often want a payslip or employer’s confirmation. Stanbic Bank+1

For minors (under 18 or under certain ages) or youth accounts, there are special rules: parental/guardian consent, guardian ID, birth certificate, etc.

 

Steps to open the account

  1. Choose a bank & type of account
    Decide which bank you want, and what kind of account (savings, current, foreign currency etc.). Compare fees, accessibility of branches / mobile banking, debit card etc.

  2. Gather documents
    As per above: ID, proof of residence, photos, etc.

  3. Fill in application form
    You do this either at a branch, or in some cases online or via mobile app. NMB Bank Limited Online Support Centre+2metbank.co.zw+2

  4. Make initial deposit
    Deposit whatever the minimum required is. metbank.co.zw+2preview.webworks.co.zw+2

  5. Submit your application
    Submit the documents + forms to the bank. The bank may run verification checks (credit, identity, proof of address, etc.). tax.co.zw+3metbank.co.zw+3cbz.co.zw+3

  6. Get account details / card
    Once approved, you get your account number, possibly a debit card, online banking access etc. fbc.co.zw+1

  7. Maintain minimum balance / fees
    Be aware of minimum balances, monthly service charges etc. If these aren’t maintained you might incur fees or the account might become dormant. metbank.co.zw+1


Some special cases

  • Corporate / Business accounts require additional items: Certificate of Incorporation, Memorandum & Articles of Association, CR14 & CR6 forms (documents about directors), tax clearance etc. tax.co.zw+2afcholdings.co.zw+2

  • Youth / minor accounts have age limits, and need guardian involvement. posb.co.zw+1

  • Digital / remote account opening is becoming more common with some banks (e.g. via apps or USSD). But often you’ll still need to present or submit physical documents

WiTech Zimbabwe https://www.witechzim.org