Digital Banking

Digital Banking

Zemen Bank’s digital services continue to be delivered via a range of banking channels, all tailored to the demands and preferences of our customers with all integrated OMNI-CHANNEL Banking. Based on our customer’s needs, they can use service points that may include either our physical outlets or our technology-aided channels

Internet Banking

Zemen Bank’s fast, free and completely secure Internet Banking is easy to use and gives you greater control of your finances.

ATM & POS Services

Zemen Bank’s digital services continue to be delivered via a range of banking channels, all tailored to the demands and preferences of our customers with all integrated OMNI-CHANNEL Banking. Based on our customer’s needs, they can use service points that may include either our physical outlets or our technology-aided channels

Z Tap

“Z Tap” now all Zemen POS machines and most ATMs accept contactless Cards like MasterCard and other cards.

MasterCard & VISA

Enjoy Ethiopia’s First Contactless MasterCard & VISA –Tap to Pay POS and ATM Services.

ATMs & POS

Currently, over 300 ATMs and 1000 + POSs are deployed throughout Addis Ababa and in selected regional cities.

Mobile Banking

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Debit Cards

Zemen’s debit cards offer 24-hour access to your account. Our contactless debit cards are more than simply an ATM card; it allows you to make cashless transactions at POS terminals, online shopping and ATMs. We provide Basic, Personal, Prestige, and Z-club debit cards. 

Payroll cards

Designed to meet the needs of modern businesses, our payroll card offers a secure and efficient way to distribute employee wages via their payroll card. You can streamline your payroll process while providing your employees with a flexible and accessible payment option.

Prepaid cards

With the Zemen’s Prepaid Card, you have full control over how much you spend each day. The amount of money on the prepaid card is the maximum amount that can be paid out. To use the Prepaid card for all of your payment needs, just load the card via our internet & mobile banking with the money you will need for travel or shopping.  

In addition, with a prepaid card, you can protect yourself from fraud and prevent overspending, as you can only spend the amount loaded on the card. And it will also allow you the flexibility to control your spending and budget accordingly.

Gift cards

Looking for an ideal gift for occasions like holidays, birthdays, anniversaries, and festivals? Visit any of our banking centers and contact our representatives, who will guide you through the process. Zemen’s gift can be also used in the corporate setup for purposes such as employee gifting, festive gifting, partner gifting, etc. 

Our gift cards are accepted at all Zemen and other Bank POS and ATM machines, allowing you to make payments at any merchant location. Additionally, they offer the flexibility to withdraw the funds loaded on the gift card.

Zemen Platinum Travel Prepaid MasterCard

Ethiopia’s first prepaid and contactless travel card will enable Ethiopian Travelers to travel with USD or EUR currencies in partnership with Mastercard by introducing contactless features. 

This product address our customers’ needs for overseas travel, without the need to carry cash. Zemen Bank is known for introducing banking technologies in the country and proud again to be the pioneer in issuing the contactless prepaid travel cards in partnership with Mastercard for our customers’ safety & convenience.

Doorstep Banking Service /CPO, Cheque, Cash Collection and Delivery service

Zemen Bank School Payment
and Management

Convenient payment process

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