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How to Pay Biu Money Zambia



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how to pay biu money zambia – Ever wondered how to make life easier by using mobile money services like MTN Mobile Money to pay your BIU bills? Well, you’re not alone! Let’s delve into the world of BIU Money and the role of MTN in facilitating seamless transactions.

What is BIU Money?

BIU Money is a payment system that allows you to handle various transactions in a more efficient way. Think of it as your digital wallet for all things financial. SeeZamcash Zambia Review | Is Legit?

How to Use BIU Money

Understanding BIU Money: The Basics

BIU Money isn’t just another mobile money service; it’s a complete financial ecosystem designed to meet various needs. It’s flexible, quick, and above all, convenient. But how do you start taking advantage of this digital wonderland? Here’s a breakdown.

Step 1: Sign Up with Your Mobile Money Number

Before you can start enjoying the perks of BIU Money, you have to be part of the club. And guess what? Joining is easy as pie! All you need is your mobile money number, be it MTN or Airtel. Simply visit their Biu Money signup page and enter your mobile money number. Tap to confirm, and voila, you’re halfway through the door! See What Business Can I Start with K500 in Zambia?

Why Mobile Money Number?

Your mobile money number is your unique ID in the BIU ecosystem. It helps to streamline your experience and make transactions as smooth as butter. Plus, with the mobile number, you can easily access your account, check your balance, and carry out other tasks without any hassle. See Mwachangu Loans Requirements and Mwachangu Loans contact details.

Step 2: Fill Out the Application Form

Think of the application form as your golden ticket to the BIU world. It’s simple, easy, and takes just a few minutes. Fill in your personal details, work information, and any other required data to complete the form. What’s it for, you ask? It’s to ensure you’re the right candidate for the services you’ll be utilizing.

Privacy and Security Concerns

Worried about data security? Fret not! BIU Money takes utmost care of your personal information. It’s all encrypted and stored in secure servers, making sure that your data is as safe as a fortress.

Step 3: Money in Your Mobile Wallet

Here comes the fun part: receiving the money! Once your application is approved, which typically doesn’t take longer than five minutes, the cash is disbursed directly into your MTN/Airtel mobile wallet. Just like that, you’re good to go!

How Quick is the Process?

We’re living in a world that doesn’t like to wait, and BIU Money understands that. With an average disbursal time of 5 minutes, it’s fast enough to make a cup of coffee look slow.

Step 4: Repay on Time and Build a Positive Credit History

You’ve gotten your money, and now you’re making use of it. But remember, with great power comes great responsibility! Make sure you repay the money within the specified time frame to not just clear your dues but also to build a positive credit history.

Why is Building a Credit History Important?

Good credit isn’t just a number; it’s a passport to financial freedom. With a positive credit history, you’re more likely to get approved for higher loans and better terms in the future. In other words, it opens doors for you that you didn’t even know existed!

Importance of Mobile Money in Modern Payment Systems

In our fast-paced world, mobile money is not just a luxury but a necessity. It helps you make quick payments without the hassle of queuing up at payment counters.

Pre-Requisites for Using MTN Mobile Money for BIU

So, you’re ready to pay using MTN Mobile Money? Here’s what you need to have in place first.

Having an MTN Mobile Money Account

Having an MTN Mobile Money account is as crucial as having a phone when it comes to making mobile transactions.

Knowing Your NRC Number

Your National Registration Card (NRC) number is essential for identity verification. Keep it handy!

Understanding the Charges

Be aware, Airtel charges K2.5 for this transaction. Factor this into your total deposit amount.

Step-By-Step Guide: How to Pay BIU Money Using MTN Mobile Money

Dial the USSD Code

First things first, dial *115# on your mobile phone.

*115# vs Other Codes

There are various USSD codes for different services. *115# is specific to BIU-related transactions.

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Navigating the Menu

After dialing the code, you’ll get a list of options. Choose option 4 for “Make Payment” and option 6 for “Goods & Services”.

The Importance of Each Option

Each option directs you to a different transaction type, so be extra careful!

Entering Merchant and Business Details

Next, you’ll be prompted to enter the merchant code and business name. Enter “1” for the merchant code and type “biu”.

Why “biu” and “1”?

The merchant code “1” and business name “biu” are unique identifiers for BIU transactions.

Inputting Repayment and Reference Numbers

It’s time to enter the repayment amount. Then, input your NRC number as the reference, but remember, without slashes.

A Note on NRC Numbers

NRC numbers act as an additional layer of security and identification. Keep yours handy!

Confirming and Completing the Payment

Last but not least, enter your MTN Mobile Money PIN to complete the transaction.

Transaction Charges

Note that Airtel charges a K2.5 fee for this transaction, so be sure to include this in your account balance.

Troubleshooting Common Issues

What If You Enter the Wrong Details?

Mistakes happen. Here’s how to rectify them.

Navigating Failed Transactions

A failed transaction isn’t the end of the world. Learn how to navigate through it.

Customer Service Support

Still stuck? MTN’s customer service is always ready to assist you.

Alternate Payment Methods

Using a Non-MTN Account

Yes, you can also pay with an account that’s not registered under your name. Just add your NRC to the reference.

Web Payments

Not a fan of USSD codes? You can also make payments online.

Biu Money Zambia Review | Is Biu Money Safe?

While Biu Money is undoubtedly a game-changer in Zambia’s financial sector, it does have its limitations. Firstly, Biu Money does not provide large loans. The maximum amount you can borrow is typically around five thousand Kwacha, which may not suffice for certain financial needs. Secondly, the interest rates are quite high, at around 20% per month. This might be discouraging for those looking to borrow larger sums over an extended period.

Biu money contact number

Biu Money provides multiple contact numbers for customer support, ensuring that assistance is readily available. Here are the details:

  • Chat with Biu Money: +260770102170, +260962313455, +260968997482, +260971532316
  • Customer Service Hours: Monday-Saturday 7:00-21:00, Sunday 8:00-17:00



Paying BIU Money using MTN Mobile Money is a straightforward process, especially when you understand each step.

Future Trends in Mobile Payments

As technology advances, expect even more convenient and versatile payment options.


  1. What is BIU Money?
    • BIU Money is a digital payment system used for various types of transactions.
  2. Can I use a non-MTN account for payment?
    • Yes, you can. Just add your NRC number in the reference.
  3. What do I do if my transaction fails?
    • Retry the process and if it still fails, contact MTN’s customer service.
  4. How much does Airtel charge for this transaction?
    • Airtel charges a K2.5 fee for each BIU transaction.
  5. Why is my NRC number important?
    • It serves as an additional layer of identity verification. Always have it handy when making a payment.

There you have it! Everything you need to know about paying BIU money using MTN Mobile Money. Happy transacting!

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