"
I registered using WELCOME10 and got ZMW 10 instantly. Account was active immediately — no waiting, no OTP. I invested it in the vault and two weeks later withdrew ZMW 10.61. Genuine!
Use WELCOME10 — ZMW 10 FREE
Market-linked savings · 4 T-Bill tenors · Actual/365
Your Money Works While You Sleep
Build disciplined savings with projected returns linked to Bank of Zambia Treasury Bill market rates. Indicative net rates are reviewed with the market; they are not guaranteed. Withdrawals from available wallet balances start at ZMW 20.
Welcome Bonus Active! Use promo code to get ZMW 10 free on signup — no deposit needed.
8.5–11.5%
Indicative Net APY
4 Tenors
T-Bill Aligned
ZMW 20
Min. Withdrawal
1.5%
Annual Mgmt Fee
Actual/365
Day Count
3
Mobile Networks
How It Works
From Signup to Withdrawal
Get started in minutes. No paperwork, no bank visits, no hidden fees.
STEP 01
Create Account
Register with your name, phone, and email. Your account is created instantly — no OTP or waiting required.
STEP 02
Apply Promo Code
Enter WELCOME10 during registration to unlock your ZMW 10 welcome bonus immediately.
STEP 03
Fund Your Wallet
Deposit via MTN, Airtel, or Zamtel mobile money. Funds appear in your wallet within seconds.
STEP 04
Choose a Tenor
Select a 91-, 182-, 273-, or 364-day lock. Your indicative annual rate and maturity date are shown before you confirm.
STEP 05
Watch It Grow
Monitor your balance, compound growth, and investment history in real-time from your dashboard.
STEP 06
Withdraw Anytime
Withdraw your balance directly to MTN, Airtel, or Zamtel mobile money in under 60 seconds.
Investment Plans
Choose Your Investment Period
Four Treasury Bill-aligned lock periods. Indicative net APY is derived from the relevant BoZ market yield less a 1.5% annual management fee.
◔
91 Days · Short-term Lock
8.5%
indicative net APY
ZMW 1,000 → ZMW 1,021.21
Projected interest: ZMW 21.21
Projected interest: ZMW 21.21
Actual/365 · rates variable
View details →
◑
182 Days · Mid-term Lock
9.5%
indicative net APY
ZMW 1,000 → ZMW 1,047.40
Projected interest: ZMW 47.40
Projected interest: ZMW 47.40
Actual/365 · rates variable
View details →
◕
273 Days · Growth Lock
10.5%
indicative net APY
ZMW 1,000 → ZMW 1,078.53
Projected interest: ZMW 78.53
Projected interest: ZMW 78.53
Actual/365 · rates variable
View details →
●
364 Days · Annual Max Lock
11.5%
indicative net APY
ZMW 1,000 → ZMW 1,114.68
Projected interest: ZMW 114.68
Projected interest: ZMW 114.68
Actual/365 · rates variable
View details →
Illustration only: projections use simple interest, actual/365 and the indicative net APY shown. Rates are variable and linked to market performance. Statutory withholding tax may apply. Minimum withdrawal from available balance: ZMW 20.
Promo Code
Unlock Your Welcome Bonus
Use our official promo code during registration to receive ZMW 10 free — no deposit required.
Official Welcome Code — Active Now
The ZedSunga Welcome Code
Copy this code and paste it in the "Promo Code" field when registering your account.
WELCOME10
ZMW 10 added instantly to your bonus wallet on signup
Active
ZMW 10 Bonus
All New Users
No Expiry
No Deposit Needed
Important: This is the only active promo code. It can only be used once per account and cannot be combined with a referral code. Bonus is credited to your bonus balance and must be invested in the vault before it can be withdrawn.
Growth Projections
Your Return Calculator
Illustrative gross maturity values before any applicable withholding tax.
PlanZMW 1,000 grows to
91 Days · 8.5% APYZMW 1,021.21
182 Days · 9.5% APYZMW 1,047.40
273 Days · 10.5% APYZMW 1,078.53
364 Days · 11.5% APYZMW 1,114.68
Formula: principal × net APY × actual days ÷ 365. Displayed projections exclude withholding tax.
Calculator
Calculate Your Earnings
Enter your amount and duration to see projected returns.
Total After Period
ZMW 1,114.68
Projected interest of ZMW 114.68 over 364 days
ZMW 1,000
Principal
ZMW 114.68
Projected interest
11.47%
Period return
Supported Networks
Deposit & Withdraw via Any Network
ZedSunga supports all three major Zambian mobile money networks with real-time, instant transactions 24/7.
MTN MoMo
MOBILE MONEY
Live & Active
Instant deposits — PIN prompt on phone
Instant withdrawals — under 60 seconds
Prefixes: 096, 076
*115#
Airtel Money
MOBILE MONEY
Live & Active
Instant deposits — PIN prompt on phone
Instant withdrawals — under 60 seconds
Prefixes: 097, 077, 057
*115#
Zamtel Kwacha
MOBILE MONEY
Live & Active
Instant deposits — PIN prompt on phone
Instant withdrawals — under 60 seconds
Prefixes: 095, 075
*115#
3
Networks Supported
≤ 60s
Avg. Withdrawal Time
24/7
Transaction Uptime
0
Transaction Fees
Referral Program
Refer Friends & Earn ZMW 10
Share your personal referral code. When friends register, you both earn ZMW 10.
🔗
Share Your Code
Find your unique referral code in your dashboard. Share on WhatsApp, Facebook, or verbally.
📝
Friend Registers
Your friend enters your code in the "Promo or Referral Code" field during registration and sees your name confirmed.
💰
Both Get ZMW 10
Both you and your friend receive ZMW 10 added to your bonus balances the moment the account is created.
Referral Rules
Earn ZMW 10 for each friend who registers using your code.
Your friend also receives ZMW 10 as a welcome bonus when they join with your code.
You cannot refer yourself using a second account — duplicate accounts are detected and permanently banned.
Referral bonus cannot be combined with a promo code — only one bonus per new registration.
There is no limit to how many friends you can refer. The more you share, the more you earn.
Security
Your Money is Safe With Us
Multiple layers of security protect your account and funds at all times.
🔒
Bcrypt Cost-14 Hashing
Every password is hashed with bcrypt cost 14 (~1 second per attempt). Brute force is computationally infeasible regardless of password length.
🛡️
SQL Injection Proof
All database queries use parameterised $1,$2 placeholders. User data never touches a raw query string — injection is structurally impossible.
🔗
SSL 256-bit Encryption
All data encrypted in transit with 256-bit SSL/TLS between your browser and our servers.
🍪
HttpOnly Cookies
Session tokens in HttpOnly Secure cookies — inaccessible to JavaScript, preventing XSS session theft.
📋
KYC Identity Check
Identity verification through NRC or passport upload ensures only real users access withdrawal features.
⚡
32KB Body Limit
All API requests capped at 32KB and unknown JSON fields rejected — prevents memory exhaustion and injection attacks.
📊
Row-Level Locking
DB transactions use row-level locks to prevent race conditions and double-spend vulnerabilities.
📝
Full Audit Trail
Every transaction, login, and account change is logged with timestamps for complete accountability.
Testimonials
What Our Members Say
Real stories from ZedSunga members across Zambia.
"
Withdrew ZMW 2,300 to my MTN MoMo within a minute. Been using ZedSunga for 4 months now and never had an issue.
"
I referred 12 friends and earned ZMW 120 in referral bonuses. Plus my vault investment earned another ZMW 180. Best decision I made this year.
"
KYC was approved in under 12 hours. After that my withdrawal limits went up and I could move bigger amounts to Airtel Money with no issues.
"
I chose the 1-Year plan and locked ZMW 5,000. Exactly 12 months later ZedSunga sent ZMW 6,500 straight to my Airtel Money — ZMW 1,500 profit without lifting a finger. No bank does that.
"
Support responded in under 2 hours on WhatsApp when I had trouble with my deposit. Professional and resolved it the same day.
How do I get my free ZMW 10 welcome bonus?
Register and enter promo code WELCOME10 in the "Promo or Referral Code" field. Account is created instantly and ZMW 10 is added to your bonus balance immediately — no OTP required.
What password can I use?
Any password with at least 4 characters works — including all-number passwords like "1234". The strength meter is informational only and will never block you from registering. All passwords are protected with bcrypt cost-14.
How long does it take to withdraw money?
Withdrawals are instant. After OTP confirmation, funds reach your MTN, Airtel, or Zamtel account within 60 seconds, 24/7.
How are projected returns calculated?
Each tenor references the corresponding Bank of Zambia Treasury Bill market yield. The displayed net APY is the underlying gross yield less ZedSunga's 1.5% annual management fee. Projected interest is calculated as principal × net APY × actual days ÷ 365. Rates are variable and returns are not guaranteed.
How do I contact ZedSunga support?
Email support@zedsunga.co (response within 24 hours) or WhatsApp +260 961 458 341 (response within 2 hours, Mon–Sun 07:00–22:00 CAT). View full FAQ →
Platform Status
Service Availability
Real infrastructure status — no simulated counters.
Indicative Net APY
8.5–11.5%
Platform
ONLINE
MTN MoMo
ACTIVE
Airtel Money
ACTIVE
Zamtel
ACTIVE
Min. Withdrawal
ZMW 20
Support
Get in Touch
Our support team is available every day. Reach us through your preferred channel.
📧
Email Support
support@zedsunga.coResponse within 24 hours. Best for account issues, KYC, and disputes.
💬
WhatsApp Support
+260 961 458 341Response within 2 hours. Mon–Sun, 07:00–22:00 CAT. Fastest for urgent issues.
📍
Headquarters
Chinsali, Zambia
Muchinga Province. Operations serving all of Zambia nationwide.
🕐
Support Hours
Mon–Sun, 07:00–22:00
Central Africa Time. Emergency support available for withdrawal issues.
🚀
Ready to Start Growing?
Start with a market-linked savings plan designed around the four standard BoZ Treasury Bill tenors. Review the projected maturity amount, rate disclosure and tax treatment before you invest.
Already have an account? Sign in here
Welcome Back
Sign in to your ZedSunga Wallet
The best investment you can make is in yourself. The more you learn, the more you earn.
— Warren Buffett
Create Account
Join thousands growing with ZedSunga
Use code WELCOME10 below to get ZMW 10 free on signup — no deposit needed!
+260
Enter a password
4+ chars
8+ chars
Number
Uppercase
A journey of a thousand miles begins with a single step. Your financial freedom starts today.
— Lao Tzu
Reset Password
Enter your email to receive recovery instructions
Help Centre
Frequently Asked Questions
Everything you need to know about ZedSunga — how it works, how to earn, and how to stay safe.
Getting Started
How do I create an account?
Visit /register, fill in your full name, Zambian phone number (9 digits), email, and a password of at least 4 characters. Click "Create My Account" and your account is active immediately — no OTP, no email confirmation required. You can log in right away.
Do I need to verify with OTP to create my account?
No OTP is required for account creation. Your account is activated the moment you submit the registration form. OTP verification is only used for withdrawals and password resets — the two actions that actually move money.
What password should I use?
Any password with at least 4 characters works — including all-number passwords like "1234". We show a strength meter to encourage stronger passwords, but it is informational only and will never block you from registering. All passwords are protected with bcrypt cost-14 hashing regardless of length.
Promo & Referral Codes
How do I get my free ZMW 10 welcome bonus?
Register at pay.zedsunga.co/register and enter the promo code WELCOME10 in the "Promo or Referral Code" field. Your account is created instantly and ZMW 10 is added to your bonus balance immediately — no OTP required.
Can I combine a promo code with a referral code?
No. Only one code — either a promo code or a referral code — can be applied per registration. Choose whichever gives you the higher bonus. Both give ZMW 10.
How does the referral program work?
Find your personal referral code in your dashboard. Share it with friends. When a friend registers using your code, both of you receive ZMW 10 bonus instantly. There is no limit to how many friends you can refer. Duplicate accounts are detected and permanently banned.
Can I withdraw my bonus balance immediately?
Not directly. Bonus balance must first be invested in a vault lock. You also need to complete KYC verification and make at least one real deposit of ZMW 20 or more before withdrawing.
Savings & Interest
How are projected returns calculated?
Each tenor references the corresponding Bank of Zambia Treasury Bill market yield. The displayed net APY is the underlying gross yield less ZedSunga's 1.5% annual management fee. Projected interest = principal × net APY × actual days ÷ 365. Rates are variable and returns are not guaranteed.
What are the available lock tenors?
Four Treasury Bill-aligned tenors (minimum investment ZMW 10):
91 Days — Short-term Lock: 8.5% indicative net APY
182 Days — Mid-term Lock: 9.5% indicative net APY
273 Days — Growth Lock: 10.5% indicative net APY
364 Days — Annual Max Lock: 11.5% indicative net APY
Principal plus projected interest is credited to your wallet at maturity.
91 Days — Short-term Lock: 8.5% indicative net APY
182 Days — Mid-term Lock: 9.5% indicative net APY
273 Days — Growth Lock: 10.5% indicative net APY
364 Days — Annual Max Lock: 11.5% indicative net APY
Principal plus projected interest is credited to your wallet at maturity.
Is interest auto-credited or do I need to claim it?
Vault interest is automatically credited to your wallet at maturity — no manual claiming required. You'll receive an SMS and email notification when funds are released.
Deposits & Withdrawals
How long does it take to withdraw money?
Withdrawals are instant. After you confirm your withdrawal with the OTP sent to your phone, funds are sent directly to your MTN, Airtel, or Zamtel account within 60 seconds. This applies 24/7, including weekends.
What are the withdrawal limits?
Unverified: ZMW 500/day | KYC Verified: ZMW 10,000/day | Premium Verified: ZMW 50,000/day. Minimum withdrawal: ZMW 1. Complete KYC to unlock higher limits.
Are there any fees for deposits or withdrawals?
No. ZedSunga charges zero fees. Your network operator (MTN, Airtel, Zamtel) may charge standard mobile money transaction fees, but ZedSunga itself adds no fees.
Security
How is my password protected?
Your password is hashed using bcrypt with a cost factor of 14 — approximately 1 second per hashing attempt. This means even if someone had access to the database, they could not crack your password in any reasonable timeframe. We never store plain-text passwords.
Still have questions? We're happy to help.