Uza Muzako Uwine Terms and Conditions

Information on how to enter and information on prizes form part of these terms and conditions. Any entry not complying with these terms and conditions is invalid and will be rejected.


The promoter is AB Bank Zambia Ltd, Registered in Zambia, and registration number 87654, registered office 22768 Acacia Park, Lusaka, and P.O. Box 38173, Lusaka, Zambia.

Promotion Duration

1. The promotion shall run from the 1st July 2023 to 31st December 2023. The promotion can be withdrawn by the promoter at any time, after which no further entries will be accepted.

2. Draws will be conducted monthly to determine the month’s winner. Participants stand a chance of winning K250 credited to their eTumba wallet. Dates when draws will be conducted will be determined by the promoter.

The promoter reserves the right to change the date of conducting the draw for the winners of prizes.


1. The promotion is open to any customer who has an active eTumba wallet.

2. A winner will be picked monthly based on the following eligibility criteria: – The eTumba subscriber refers someone to subscribe by use of the “Refer a Friend” feature. – The referred friend(s) must self-register on eTumba and reach an account balance greater than ZMW 0. – Each qualifying referral gains the client one (1) chance to win. The more qualifying referrals, the better the chance of winning.

3. All eligible entries will be entered into the monthly draws to be conducted between 1st July 2023 and 15th January 2024.

4. Any eTumba wallet account holder who is subject to a court process or restriction of any sort or is under any other restriction by any other authority in Zambia or else will not be eligible to participate in the promotion.

5. AB Bank Zambia Limited staff, close family members (parents, spouse, children and siblings) and contract staff (e.g., Sales Agents) are not eligible to participate.

6. Participants do not need to sign up to take part in the competition. All clients who refer a friend by use of the “Refer A Friend” feature will automatically qualify for the draws.

7. A successful participant can only win once. For instance, if a participant wins in one month, they cannot win another K250.

8. The Promoter reserves the right to confirm referred subscribers by validating names against identification provided. In case of wrong registration details of a referred subscriber, the referral can be considered void.

Prize (s)

1. There shall be a monthly draw prize for customers which will be awarded during the promotion from 1st August 2023 to 15th January 2024. i. K250 credited into the winner’s eTumba wallet.

Claiming of Prize (s)

1. Only the winners will be notified in writing through email or contacted by AB Bank Zambia on their mobile phone registered under their eTumba. The promoter reserves the right to verify the identity of the winner.

2. All prizes will be credited within one month of the draw. Failure to credit due to customer will result in forfeiture to the Bank. For example, if a client blocks their wallet and fails to unblock it within 30 days, the cash prize will be forfeited to the Bank.

3. The prizes are not transferrable.

4. Failure to accept the prize or the associated terms and conditions will result in the prize being withdrawn and or possibly allocated to an alternative prize winner at the discretion of the promoter, AB Bank Zambia LTD.

General Terms

All participants agree to be bound by the competition rules.

1. The draws will be conducted at the promoter’s sole and absolute discretion in the presence of auditors of the promoter’s choice.

2. The draws will be conducted at the promoter’s premises AB Bank Zambia, 22768 Acacia Park, Lusaka.

3. By participating in the promotion, all participants hereby grant the Promoter the absolute and unfettered right to:

I. Disclose or publish the participants’ information and any other information to any party in any medium as we may in our absolute dissertation deem fit for any reasons whatsoever.

II. Use, amend modify, adapt, reproduce, publish any still or moving images of the participants that are taken during the promotion or the redemption of the gifts for any promotional or marketing or commercial or any other purposes as we may in its absolute discretion deem fit without any payment or compensation.

4. The promoter reserves the right to terminate or amend the terms of this promotion at any point during the promotion period by giving (7) days’ notice of this intention.

5. The promoter’s decision is final and no correspondence will be entered into.

6. Accounts that are closed prior to the end of the qualifying period each month will not be eligible for prizes.

7. During each draw, participants shall be eligible to win once. Participants can only win once throughout the campaign. During each draw, any previous winner will be automatically disqualified.

8. Winners shall be randomly selected during each Electronic Draw.

9. The Bank’s decision as to the winners of the draws shall be final and conclusive.

10. In case of a dispute, the Bank’s decision will be final. No appeal on any grounds whatsoever will be entertained.

11. If the Bank is required by the Minister of Finance and National Planning Trade or the State Lotteries Board or other regulatory authorities to alter any aspect of this competition or terminate the same as a result of changes in Legislation or other regulatory reasons, the Bank shall have the right to terminate this competition with immediate effect and without notice of such termination. In such event, all participants hereby waive rights which they may have against the Bank and hereby acknowledge that they will have no recourse or claim of any nature whatsoever against the Bank, it’s agents or contractors.


Kindly note that all general eTumba Terms and Conditions remain the same throughout the campaign.




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