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Zambia betting guide ·
Compare the best betting sites in Zambia on kwacha welcome offers, MTN MoMo and Airtel Money payments, licences and withdrawals, and see what the 5% betting levy, the excise duty on stakes and the 15% tax on winnings mean for your account in 2026.
Zambia betting table
Each listing below shows the welcome offer, the products available and the licence a brand names, plus whether you can bet in kwacha or need crypto to fund the account. Sportsbooks and crypto-first sites are grouped apart: use the filter to narrow the list, or expand a card for the conditions behind its offer.


18+ · New customers · T&Cs apply
Sportsbook and casino with its own Zambian site and kwacha accounts, giving newcomers a 100% casino match on the first deposit up to K2,300 plus 110 free flies in Aviator.
Pros

18+ · New customers · T&Cs apply
Takes MTN MoMo and Airtel Money from K10 and matches a first deposit 100% up to K2,000, with Android and iOS apps for Zambian players.
Pros
Cons
International sportsbook and casino that accepts players from Zambia, with a first deposit bonus for new accounts and a separate casino lobby.
Sportsbook with a Zambia-specific website and an unusually long list of betting markets, plus a first deposit bonus for new customers.
Sportsbook and casino open to Zambian players that doubles the first deposit with a 100% bonus.

18+ · New customers · T&Cs apply
Curaçao-licensed bookmaker serving Zambia, with a 100% sports bonus on the first deposit and a casino section.

18+ · New customers · T&Cs apply
Its welcome offer for Zambian sign-ups is spread over four deposits, adding up to 500% in bonus money and 500 free spins on casino games.

18+ · New customers · T&Cs apply
Crypto-only casino and sportsbook that takes a long list of coins and gives new accounts a deposit bonus.

18+ · New customers · T&Cs apply
Crypto sportsbook and casino whose welcome code switches on 3.5% rakeback on your stakes in place of a deposit match.

18+ · New customers · T&Cs apply
Anjouan-licensed crypto site with a sportsbook and casino, where the first seven days bring 15% boosted rakeback.

18+ · New customers · T&Cs apply
Curaçao-licensed crypto sportsbook with welcome rewards worth up to US$2,500 and withdrawals stated within 24 hours.

18+ · New customers · T&Cs apply
Crypto casino and sportsbook offering up to US$10,500 and 225 spins over its first three deposits.

18+ · New customers · T&Cs apply
Crypto casino without a sportsbook that says its cashouts take about ten minutes on average.
No sites match this filter.
Each bookmaker sets its own promotions and can change or withdraw them without warning. Look at the offer page in the cashier before you send your first MoMo deposit.
Quick answer


Our top pick in Zambia
22Bet is our top pick in Zambia right now. Sportsbook and casino with its own Zambian site and kwacha accounts, giving newcomers a 100% casino match on the first deposit up to K2,300 plus 110 free flies in Aviator. BetWinner is next in our ranking.
18+ · New customers · T&Cs apply
It comes down to how you play. Someone who stakes K20 on weekend Premier League accumulators should look hardest at mobile money payouts and the smallest deposit that still unlocks the bonus. If you already keep USDT in a wallet, a crypto site that pays back to that wallet may suit you better. Either way, the rollover rules matter more than the size of the bonus.
BCLB licences
In Zambia, bookmakers are licensed by the Betting Control and Licensing Board (BCLB), which was set up under the Betting Control Act. A bookmaker’s licence runs for one year and must then be renewed, and carrying on business as a bookmaker without a licence is an offence under the Act.

Bookmakers that trade locally, such as betPawa, print their Zambian licence numbers in the website footer. The brands in our table are international operators, several of them with Zambia-specific websites, and each states in its footer or terms which authority licenses it; for the crypto sites that is Curaçao or Anjouan.
Crypto
A crypto site takes USDT, bitcoin, ether and other tokens in place of kwacha. That suits punters who already buy coins through an exchange app, and winnings go back to your own wallet rather than to a MoMo number. Among the sportsbooks, BetWinner also takes coins next to mobile money.


200% up to K4,000

Up to 360% across your first 4 deposits

3.5% rakeback with a welcome code

15% boosted instant rakeback for 7 days

Up to US$2,500 in cash rewards over 30 days

Up to US$10,500 (590%) + 225 free spins

Up to US$500 or 5 BTC + 180 free spins
Welcome offers
Welcome offers in Zambia nearly always take the form of a matched first deposit. Part of what you pay in is doubled up as bonus money, and that bonus must be played through under the site’s rollover rules before it turns into cash you can take out. BetWinner matches a first deposit 200% up to K4,000, while 22Bet’s casino welcome offer is a 100% match up to K2,300 plus 110 free flies in Aviator.

| Site | Welcome offer | Key terms | Visit |
|---|---|---|---|
| 100% up to K2,300 + 110 Aviator free flies | Casino first-deposit offer: 100% match up to K2,300 plus 110 free flies in Aviator. | Visit 22Bet | |
| 200% up to K4,000 | Minimum deposit K20; half the bonus is wagered 5x on accumulators of 3+ selections at odds 1.40+ and the other half 30x in Win Games, within 30 days of registration. | Visit BetWinner | |
| 200% up to K5,200 | Minimum deposit K26; wager the bonus 8x on accumulators of 3+ selections with at least three at odds 2.10+, within 30 days of registration. | Visit Melbet | |
| 300% up to K6,300 | Minimum deposit K15; the rate rises from 200% (deposits up to K900) to 300% (K1,801+), half the bonus is wagered 5x (10x at 250%+) on accumulators of 3+ selections at odds 1.40+ and half 30x (35x) in games, within 30 days of registration. | Visit 1xBet | |
| 100% up to K2,800 | Minimum deposit K20; wager the bonus 5x on accumulators of 3+ selections with at least three at odds 1.40+, within 30 days of registration. | Visit Paripesa | |
| 100% up to €100 (paid in kwacha) | Minimum deposit K22.03 (€1 equivalent); wager the bonus 5x on accumulators of 3+ selections with at least three at odds 1.40+, within 30 days of registration. | Visit Linebet | |
| Up to 500% across your first 4 deposits | Each of the first four deposits unlocks a bonus; the minimum deposit and wagering requirement are shown on each bonus card, and bonus funds are played in the Casino ‘Bonus Wagering’ games. | Visit 1win | |
| Up to 360% across your first 4 deposits | Deposit bonuses of 180%, 340%, 300% and 360% on the first four deposits. | Visit BC.Game | |
| 3.5% rakeback with a welcome code | Enter a valid code on the Offers page within 24 hours of opening your account to get 3.5% of the house edge back on every bet. | Visit Stake | |
| 15% boosted instant rakeback for 7 days | Activate it under Special Rewards with an affiliate code (Gamdom’s own is GAM15) within 6 hours of registering; the boost then runs for 7 days. | Visit Gamdom | |
| Up to US$2,500 in cash rewards over 30 days | Starts with a first deposit of any amount; 10% casino rakeback plus daily casino and weekly sports cash drops, paid as real cash with no rollover, then a Cash Vault on day 30. | Visit Cloudbet | |
| Up to US$10,500 (590%) + 225 free spins | Spread over three deposits from US$5; the first bonus must be activated within 7 days of sign-up and each bonus wagered within 14 days on slots, live games and BetFury Originals. | Visit BetFury | |
| Up to US$500 or 5 BTC + 180 free spins | 100% bonus plus 180 free spins on the first deposit, then up to €400 or 4 BTC on the next three deposits. | Visit BitStarz |
A welcome bonus ties up your deposit until the rollover is finished. If you would rather cash out a lucky Saturday slip straight away, skipping the offer is a perfectly sensible choice, and some punters only claim it when they already planned to bet on accumulators anyway.
If a stranger on WhatsApp or Facebook asks you to pay a fee to “unlock” a bonus or release a win, it is a scam. A real bookmaker never charges one.
Payments
For most Zambian punters, the betting wallet is topped up from a phone. MTN MoMo and Airtel Money are the wallets you will meet first in local cashiers, while Zamtel Money, the wallet once branded Zamtel Kwacha, is not listed by every bookmaker, so check before you register if you use a Zamtel line. Cards, bank transfer and crypto cover the rest.

| Method | Deposits | Withdrawals | Speed | Keep in mind |
|---|---|---|---|---|
MTN MoMo | Most local cashiers | Most local cashiers | Usually within minutes | Approve prompts only on your own phone |
Airtel Money | Most local cashiers | Check the withdrawal page | Usually within minutes | Wallet limits cap very large payouts |
Zamtel Money | Some sites | Check the withdrawal page | Varies by site | Not every bookmaker lists it |
Visa / Mastercard | Some sites | Not always available | Card payouts are slower | Some banks block gambling payments |
Bank transfer | Seldom needed | Useful for big amounts | One or more working days | The account must be in your name |
Crypto | International and crypto sites | International and crypto sites | Depends on the network | A wrong network can lose the coins |
Sign in, go to the cashier and tap the logo of your mobile wallet.
Type the amount in kwacha together with the phone number registered to that wallet.
A request pops up on your handset within seconds — enter your mobile money PIN to authorise it.
Hold on to the SMS receipt until the deposit appears in your betting balance.
If nothing arrives after a few minutes, send support the transaction ID from the SMS instead of paying a second time.
Use a SIM registered in your own name. When the name on your wallet differs from the name on the betting account, a site may hold withdrawals until the mismatch is explained.
Tax rules 2026
Three charges touch betting in Zambia this year. The Betting Levy Act, 2025 added a 5% levy on money moving into and out of betting accounts from 1 January 2026, an excise duty of 10% on amounts staked has applied since September 2025, and winnings are still subject to withholding tax at 15% under the Income Tax Act.

| Charge | Rate | Charged on | Who pays it to ZRA |
|---|---|---|---|
| Betting levy | 5% | Every deposit into and every withdrawal from your betting account | The betting company |
| Excise duty | 10% | Amounts staked with betting and gaming companies | The betting company |
| Withholding tax on winnings | 15% | Winnings from betting, gaming and lotteries | The betting company, by deducting it from winnings |
Under the Act, the levy is charged, collected and remitted to the Zambia Revenue Authority by betting companies licensed in Zambia, and it is worked out on all deposits and all withdrawals. Brick-and-mortar betting companies, where customers bet in person at a shop, are exempt.
On a K200 deposit the levy comes to K10, and on a K1,000 withdrawal it comes to K50. Look at the cashier summary to see whether your bookmaker takes the levy out of the amount or adds it on top, because that changes how much reaches your account or your wallet.
ZRA has explained that the tax on winnings is charged on the money you win, not on the amount you staked.
The levy replaced presumptive tax for online operators, which had been charged at 25% of gross takings on online betting. Shop-based betting stays on presumptive tax.
Cashing out
Zambian bookmakers generally pay winnings back to the phone number that funded the account. The first withdrawal usually takes longer while the site checks your identity, normally against your NRC or passport, and an unfinished bonus can hold up a payout.

Upload a clear photo of your NRC or passport early, in the same name as your mobile money account.
Complete the rollover on any active bonus, or cancel it if you would rather withdraw now.
Go to the payout page, pick your wallet and type a sum between the minimum and maximum the site allows.
Submit the request; the money is in once your network texts you the credit.
Read the withdrawal summary: licensed bookmakers deduct the 5% betting levy, and tax on winnings is withheld when winnings are paid.
For a very large win, ask whether the site pays in instalments or by bank transfer, because mobile wallets have balance and transaction limits.
Mobile
Phones are where Zambians bet. BetWinner offers an Android app downloaded from its own website and an iOS app in the App Store, and every site in our table also runs in a mobile browser, which helps when your data bundle is running low.

Football
The English Premier League fills most bet slips in Zambia, with the Champions League and La Liga close behind. At home, the Zambia Super League brings fixtures for clubs such as Power Dynamos, ZESCO United, Nkana, Red Arrows and Zanaco, and Chipolopolo matches in AFCON and World Cup qualifying always add extra interest.

Domestic fixtures usually have thinner markets than the big European leagues, so check whether live betting and cash out are offered before kick-off.
National team fixtures attract bets from people who rarely follow club football. Line-ups for Chipolopolo games are often confirmed only shortly before kick-off, so prices on goals and goalscorers can move late; there is no prize for getting your bet on early if the team you expected does not start.
An accumulator multiplies the odds of each pick. Three selections at 1.65, 2.00 and 1.90 give total odds of 6.27, so a K50 stake could return K313.50, yet a single losing leg ends the whole slip. Put your own selections into the calculator below.
Beyond the match
Between real fixtures, many sites fill the menu with virtual football — computer-simulated matches that finish within minutes — and with Aviator, the crash game in which a multiplier climbs until it suddenly stops. Local bookmakers such as betPawa give both a prominent place on their sites.

A jackpot coupon is a long list of fixtures where every single result has to be right. Big prizes are possible only because almost nobody gets the whole coupon correct, so think of the entry fee as the price of a bit of weekend fun.
Virtual matches and crash rounds come back to back with no half-time pause. Decide your budget and your stopping time before the first round, and never raise your stakes to win back a loss.
Regulation
Zambian law allows betting for anyone who has turned 18. The Betting Control Act makes it an offence for a bookmaker to take a bet from anyone under 18 or to let them into licensed betting premises, and the Betting Control and Licensing Board issues and renews bookmaker licences.

The same Act stops bookmakers from betting with anyone on the results of elections to the National Assembly or to any public authority in Zambia. Casinos fall under tourism legislation, and lotteries under the Lotteries Act.
Reform is planned but has not yet arrived. In June 2025 Cabinet approved in principle a bill to repeal and replace the older laws on betting, lotteries and gaming, but no such bill had been presented to the National Assembly by September 2026, so the Betting Control Act still applies. International brands that take Zambian customers publish their licensing details in their terms.
How we compare
Our Zambian table sets every site side by side on the same six points, whether it is a kwacha sportsbook or a crypto-only casino.

The authority and licence number the operator states, and the company that runs your account.
MTN MoMo, Airtel Money and Zamtel Money for deposits and payouts, plus cards, bank transfer or crypto.
Rollover, minimum selections and odds, the qualifying deposit and expiry, next to the headline figure.
Stated payout times, minimum and maximum withdrawals and the identity checks before the first one.
Whether there is an Android or iPhone app, how light the mobile pages are on data, and which limits you can set yourself.
Premier League, Zambia Super League and Chipolopolo markets, live betting and cash out.
Getting started

Choose a bookmaker from the comparison above and go to it through its official address or app store listing.
Sign up with a Zambian phone number (+260) or an email address, and pick a password you use nowhere else.
Select Zambian kwacha (ZMW) as the account currency if it is offered, as it is hard to change later.
Confirm your number with the SMS code.
Type your full name and birth date to match your NRC or passport letter for letter.
Decide whether you want the welcome offer, tick its box if so, and fund the account with MTN MoMo, Airtel Money or whichever method suits you.
FAQ
Short answers on the betting levy, winnings tax, mobile money, bonuses and the law for punters in Zambia.
22Bet is our top pick in Zambia right now. Sportsbook and casino with its own Zambian site and kwacha accounts, giving newcomers a 100% casino match on the first deposit up to K2,300 plus 110 free flies in Aviator. BetWinner is next in our ranking.
It is, once you are 18. Bookmakers work under the Betting Control Act and need a licence from the Betting Control and Licensing Board, and accepting a bet from anyone under 18 is an offence.
Under the Betting Levy Act, 2025, in force since 1 January 2026, betting companies charge a 5% levy on every deposit into and every withdrawal from a customer’s betting account and remit it to ZRA. Brick-and-mortar betting companies are exempt.
Yes. Winnings from betting, gaming and lotteries carry withholding tax at 15%, deducted when the winnings are paid. ZRA has explained that the tax is charged on the amount you win, not on your stake.
Yes — both wallets are widely used for betting in Zambia. In our table, BetWinner lists MTN Mobile Money and Airtel Money for Zambia, with deposits from K10. Check that a site also pays out to your wallet before you register.
BetWinner gives 200% on a first deposit up to K4,000 from K20; half the bonus is staked five times on accumulators with at least three picks at 1.40 or more, the other half 30 times in Win Games. 22Bet’s casino welcome offer is a 100% match up to K2,300 plus 110 free flies in Aviator.
The Betting Control and Licensing Board, established under the Betting Control Act, issues bookmaker licences that run for one year at a time. International brands open to Zambians name their licensing authority, such as Curaçao, in their terms.
Verify your account with your NRC or passport, open Withdraw, choose MTN MoMo or Airtel Money, enter an amount within the limits and confirm. The first payout can take longer while your identity is checked.
Keep betting to money you can afford to lose, and keep it apart from rent, school fees, chilimba contributions and family needs. Never bet with a mobile loan or borrowed cash, and step away after a bad day rather than trying to win it back. Look in your account settings for spending caps, cooling-off periods and self-exclusion. Gambling Therapy offers free, confidential support online if betting is becoming a problem.