These are internal transfers — no mobile money or bank details are needed.
Prerequisites
Before you begin, make sure you have:- Admin access to your Bila dashboard
- Sufficient available balance in the source wallet
- At least one active Sub-Wallet on your account
Understanding Your Wallet Structure
Bila gives every merchant one Main Wallet and the ability to create multiple Sub-Wallets for segregating funds.
| Wallet Type | What It Is |
|---|---|
| Main Wallet | Your primary wallet. All incoming payments land here by default. |
| Sub-Wallet | A segregated fund bucket you create and name, e.g. Development Work, Petty Cash |
Transfer Directions
| Direction | How to Initiate |
|---|---|
| Main Wallet → Sub-Wallet | Click Transfer on the Main Wallet card |
| Sub-Wallet → Main Wallet | Click Transfer on the Sub-Wallet card |
| Sub-Wallet → Sub-Wallet | Click Transfer on the source Sub-Wallet, then select the destination |
Steps
Initiate the Transfer
From the Main Wallet: Click the Transfer button on the Main Wallet card.
From a Sub-Wallet: Scroll to the Sub-Wallets grid and click Transfer on the source wallet.
Fill in the Transfer Details
The Transfer Funds panel opens on the right.
| Field | What to Enter |
|---|---|
| From Wallet | Pre-filled — verify this is correct |
| To Wallet | Select the destination wallet |
| Amount (ZMW) | The amount to transfer |
Confirm the Transfer
Click Transfer Funds.Confirmation: A green toast notification confirms the transfer was successful.
Rules and Limits
| Rule | Detail |
|---|---|
| Fees | None — wallet-to-wallet transfers are free |
| Processing time | Instant |
| Minimum amount | ZMW 1.00 |
| Maximum amount | Limited to the source wallet’s available balance |
| Reversibility | Cannot be reversed — initiate a return transfer if needed |
| Currency | ZMW only |
Troubleshooting
| Issue | What to Do |
|---|---|
| Transfer button is greyed out | Confirm the source wallet has a balance greater than ZMW 0.00 |
| Amount exceeds available balance | Reduce the amount to match the available balance |
| Destination balance did not update | Refresh the Wallets page |
| Transfer made to the wrong wallet | Initiate a new transfer in the reverse direction |
Next Steps
Mobile Money Payouts
Send funds to an MTN, Airtel, or Zamtel mobile money account.
Bank Payouts
Send funds directly to any Zambian commercial bank account.