This is the account for everyone, the coolest and most stress free savings account targeted at anyone who has money set aside for the future use. Simply walk into any CBZ branch or agent with your ID, an opening deposit of at least ZWL $50 and within 5 minutes you will have an account that is linked to your mobile number and a CBZ SmartCash debit card.

Key Features


  • CBZ Debit Card
  • Access to account anytime, anywhere through CBZ Touch Mobile App
  • No minimum balance


The following services are available through SmartCash.

  • Cash Deposits
  • Cash withdrawals (Branch, ATM & POS)
  • Balance enquiry
  • Mini Statement
  • Airtime Top Up Own Cell Phone
  • Airtime Top Up Third Party Cell Phone
  • Funds Transfer, CBZ to CBZ accounts and transfers to other banks via ZIPIT or RTGS
  • ZETDC tokens
  • ZIMRA payments
  • School Fees Payments
  • Bill Payments
    • City of Harare
    • City of Bulawayo
    • ZINWA
    • Telecel
    • Untu Loans
    • Cimas
  • POS Purchases and Cash back – on CBZ Bank devices and Zimswitch enabled devices
  • Cardless Withdrawals

What you need to apply

  • Copy of National ID
  • Opening Deposit of at least ZWL $50

Smartcash Lite

Apply Online

Smartcash Extra

Apply Online