Frequently asked questions

Download Bevura on the Play Store (Android) or the App Store (iOS). Sign up as an individual user to start using the app.

• Group contributions
• Bill payments
• Airtime top-up
• Fund transfers (Bevura to Bevura, Bevura to bank, Bevura to mobile money and other wallets)
• Village banking

Most everyday payments — airtime, data, electricity, TV, and statutory bills — are free. Transfers and a few services carry a small fee, always shown in the app before you confirm.

Yes — you can use Bevura anywhere in Zambia.

Yes. You can send and receive money to banks, mobile money operators, and other wallets within Zambia.

Yes. Bevura is available on both the Play Store and the App Store.

Yes. Daily transaction limits apply to your wallet — the current limit is shown in the app before you transact.

Yes. Open the Recent Transactions tab to view your full transaction history.

Village Banking is a way for people who know and trust each other — friends, coworkers, or family — to save and borrow money together without a traditional bank. Members contribute to a shared pool, take out loans, and share the interest earned.

It's flexible, community-driven, and built on trust. You get access to savings and credit without relying on banks or expensive lenders — just your group.

Log in and tap Create Group under the Savings icon. Set your group name and rules, then invite members. The creator becomes the admin, and the system generates a group code on creation. Share that code with members so they can join.

The admin shares the system-generated group code; members use it to join. Note: all members must be Bevura account holders.

A single group can have up to 50 members. Your group constitution can set a lower number if you prefer.

Yes — you can belong to more than one group.

Open your Village Banking group, tap Make Contributions, and contribute to an open window.

Tap Request Loan under Quick Actions. The loan platform opens, where you submit your loan request.

As often as your group allows — the app lets you transact whenever. Most groups run weekly or monthly.

It depends on your group balance and rules. Your loan entitlement is a multiple of your current balance at the time of borrowing, and that multiple is set in your group rules.

No. You can only have one loan running at a time.

Your group sets the repayment dates. The app then generates a schedule of equal instalments and sends reminders before each due date.

Penalties are set by the group at creation. Bevura tracks loan repayments and notifies the group of defaults.

If you qualify and the admin approves your loan, the funds are placed in your Bevura wallet instantly.

Once a transaction has been sent and received, it is difficult to reverse. Always check the details before confirming. If you run into trouble, contact our call centre and we'll do our best to help.

Double-check every detail before confirming — once sent, a transaction is hard to reverse. If it's a genuine mistake, don't panic: contact our call centre with accurate details and we'll do our best to help.

We digitise everything — transactions, automated real-time tracking, loan approvals, and secure mobile payouts. No more messy paperwork or confusion.

Bevura is licensed by the Bank of Zambia. We're not a bank, but we work with payment partners to handle secure transactions.

Yes. You must be 16 or older to register and join a group.

Any one of the following:

• National Registration Card (NRC)
• Valid driver's licence
• Passport

The minimum is two members. There is no maximum.

Yes.

Call us on +260 77 407 0503 or +260 77 407 0905

Email us at info@yafika.net

No.

This depends on the group's constitution. Bevura itself does not pay interest to the group.