Bank payouts let you send funds from any of your Bila wallets directly to a recipient’s bank account at any Zambian commercial bank. Recipients must be saved to your account before you can send to them. Unlike mobile money payouts, bank payouts may take additional time depending on the recipient bank’s processing hours.Documentation Index
Fetch the complete documentation index at: https://docs.usebila.com/docs/llms.txt
Use this file to discover all available pages before exploring further.
Prerequisites
Before you begin, make sure you have:- Sufficient available balance in the wallet you intend to debit
- The recipient already added under Payments → Recipients with their correct bank name and account number
- Approver availability if your account requires dual authorisation
Steps
Viewing Transaction Details
| Field | What It Shows |
|---|---|
| Full Transaction ID | The complete reference ID. Use this when contacting support. |
| Recipient | The account number and bank the funds were sent to |
| Amount | The exact amount transferred in ZMW |
| Fee | The transaction fee applied to this payout |
| Date and time | The exact timestamp the payout was initiated |
| Approval status | Whether the transfer was approved and by whom |
| Payment status | Final outcome: Processed, Awaiting Funds, or Failed |
Supported Banks
All Zambian commercial banks are supported. When adding a recipient, select the bank from the provider list and enter the recipient’s account number and account name exactly as they appear on the bank account.Fees, Limits, and Processing Times
| Detail | Value |
|---|---|
| Fee | Varies by bank. Check your merchant fee schedule. |
| Fee bearer | Determined by your Collection Fee Bearer setting in Settings → General |
| Minimum amount | ZMW 1.00 |
| Maximum amount | Limited to the selected wallet’s available balance |
| Processing time | Varies by bank, same-day to next business day |
| Operating hours | Subject to recipient bank’s processing hours |
Payment Status Reference
| Status | Approval Status | What It Means |
|---|---|---|
Processed | Approved | Payout completed. Funds sent to recipient’s bank account. |
Awaiting Funds | Approved | Payout approved but source wallet has insufficient balance |
Failed | Approved | Payout rejected by the bank. Funds returned to your wallet. |
Pending | Pending approval | Payout submitted but not yet authorised by an approver |
Troubleshooting
| Issue | What to Do |
|---|---|
| Recipient not listed | Add them first via Add Recipient on the Payments dashboard |
| Recipient did not receive funds | Bank payouts may take up to one business day. Check the Status column in Recent Payments. |
Status shows Failed | Funds are returned to your wallet automatically. Verify the account number and bank, then retry. |
Status shows Awaiting Funds | Top up the source wallet. The payout will process once funds are available. |
| Wrong account sent | Contact the receiving bank immediately. Bila cannot reverse a completed bank payout. |
Payout stuck in Pending approval | An approver with Approver Only or Initiator & Approver role must authorise in the Pending approval tab |
Next Steps
Mobile Money Payouts
Send funds instantly to MTN, Airtel, or Zamtel mobile money accounts.
Wallet-to-Wallet Transfers
Move funds between your wallets instantly and for free.