Lupiya review
Updated October 13, 2026 · HodlCue Editorial Team
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Our verdict
For Zambian households, farmers and small enterprises wanting credit alongside everyday banking, Lupiya is a neobank that combines digital accounts, bill payments, money transfers and debit cards with personal, business and agricultural loans. It suits people who prefer managing borrowing, spending and lending opportunities inside a single app built for Zambia.
Key facts
- Best for
- Zambians managing borrowing, payments and cards together
- Card type
- Debit↗
- Founded
- 2016↗
- Support channels
- Chat↗
- Features
- Virtual card
- Official website
- lupiya.com
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Provides virtual and physical debit cards for online and in person spending
- Combines bill settlement, person to person transfers and loan management in one app
- Serves civil servants, defence forces, farmers, drivers, businesses and households across Zambia
- Lets customers pass funds to mobile money wallets, bank accounts or creditors directly
Cons
- Operates with a Zambia centred range, which gives less relevance outside the country
- Places strong emphasis on borrowing, so choice beyond credit and cards remains narrow
Who it suits
- Civil servants and defence personnel using app banking
- Farmers and small enterprises seeking tailored credit
- Households handling bills and transfers digitally
Who should look elsewhere
- Residents outside Zambia needing domestic banking
How Lupiya compares
Frequently asked questions
What is Lupiya?+
Lupiya is a neobank offering digital financial solutions for individuals and small businesses. It brings accounts, payments, debit cards, loans and peer lending together in one app. The aim is simple and convenient access to credit and everyday banking services.
Who does Lupiya serve?+
Lupiya serves civil servants, defence forces, farmers, drivers, businesses and other Zambians. It supports personal needs, business growth and agricultural work such as seeds, tools and expansion. The common thread is digital access to credit and banking built for Zambia.
What can you do with the Lupiya debit card?+
Lupiya provides virtual and physical debit cards for online and offline shopping. The cards link to the app for bill settlement, transfers and money management. An overdraft facility connects the card to additional borrowing capacity when needed.
Which other financial services does Lupiya provide?+
Lupiya offers personal loans, business loans and farm loans alongside everyday payments. Customers settle bills for airtime, data, television, electricity and water and transfer funds to mobile money wallets and bank accounts. The platform also allows individuals to lend to creditworthy borrowers.
When was Lupiya founded?+
Lupiya was founded in 2016. (Source, checked September 26, 2026)
How can I contact Lupiya support?+
Lupiya offers support through Chat. (Source, checked September 26, 2026)
Sources
- lupiya.com/about checked September 26, 2026
Backs: Founded
“Since our founding in 2016”
- lupiya.com/payments checked September 26, 2026
Backs: Card type, Features, Support channels
“Get a free virtual or physical debit card for online and in-store shopping”
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.