Regulatory Alerts2025-01-01
Bank of Zambia Circular 09/2025: Calendar for Submission of Payment Systems Returns for 2026
The Bank of Zambia’s Office of the Deputy Governor – Operations issues this circular to establish the mandatory submission calendar and deadlines for payment systems returns throughout the 2026 financial year. It specifies precise due dates for daily, monthly, quarterly, and annual reporting requirements, including specialized attestations for mobile money rewards, ZIPSS, the SWIFT Customer Security Programme, and audited financial statements. All returns must be filed through the Digital Financial Services portal by the designated deadlines, with a K500 daily penalty applied for late or non-compliant submissions until the breach is resolved.
# Bank of Zambia
## OFFICE OF THE DEPUTY GOVERNOR - OPERATIONS
BOZ/EXEC/DGO/psd/bp
October 27, 2025
PSB Circular No. : 09/2025
To : All Heads of Commercial Bank and Payment Service Provider
## CALENDAR FOR SUBMISSION OF PAYMENT SYSTEMS RETURNS FOR THE YEAR 2026
Kindly be informed that the due dates for submission of Payment Systems Returns for the 2026 financial year are as follows:
### 1. DAILY RETURNS
Daily returns should be submitted by the close of the next business day.
### 2. MONTHLY RETURNS
| Month | DUE DATE |
|-------------|--------------|
| January | February 9, 2026 |
| February | March 10, 2026 |
| March | April 10, 2026 |
| April | May 11, 2026 |
| May | June 8, 2026 |
| June | July 10, 2026 |
| July | August 10, 2026 |
| August | September 8, 2026 |
| September | October 8, 2026 |
| October | November 9, 2026 |
| November | December 8, 2026 |
| December | January 11, 2027 |
### 3. QUARTERLY RETURNS
| Quarter | DUE DATE |
|-------------|--------------|
| 1st Quarter | April 10, 2026 |
| 2nd Quarter | July 10, 2026 |
| 3rd Quarter | October 8, 2026 |
| 4th Quarter | January 11, 2027 |
...2/-
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PSB Circular No. 09/2025 - 2 - October 27, 2025
### 3.1. RETURN ON MOBILE MONEY REWARDS
| QUARTER | DUE DATE |
|-------------|--------------|
| 1st Quarter | April 22, 2026 |
| 2nd Quarter | July 22, 2026 |
| 3rd Quarter | October 20, 2026 |
| 4th Quarter | January 21, 2027 |
### 4. ANNUAL ATTESTATIONS FOR PAYMENT SERVICE PROVIDERS
The Payment Service Provider annual attestation form – vital statistics and other information should be submitted by January 31, 2026.
### 5. ANNUAL ATTESTATION FOR ZIPSS
The Annual Audit Certificates for ZIPSS annual attestation should be submitted by March 31, 2026, for the preceding year (2025).
### 6. ANNUAL ATTESTATION FOR SWIFT CUSTOMER SECURITY PROGRAMME
Evidence of compliance with the SWIFT Customer Security Programme annual attestation requirement should be submitted by January 16, 2026.
### 7. AUDITED ANNUAL FINANCIAL STATEMENTS
The Annual Audited Financial Statements should be submitted within three calendar months after the end of the financial year of each respective institution.
### 8. COMPLIANCE TO THIS CIRCULAR
All the returns should be submitted in a prescribed format by the set dates as failure to comply may attract penalties. A penalty of K500 (Kwacha Five Hundred only) will be charged per return per day for any delayed submission or incorrect return until the breach is corrected. All submissions of payment system returns should be made through the Digital Financial Services (DFS) portal by end of business on the due date. Further, you may contact the Payment Systems Department through `psdreturns@boz.zm` or `DFSDATA@boz.zm` for any queries or guidance pertaining to returns.
Kindly be informed accordingly.
Francis Chipimo (PhD)
DEPUTY GOVERNOR – OPERATIONS
cc
Governor
Deputy Governor – Administration
Bank Square, Cairo Road, P.O. Box 30080, Lusaka, Zambia Tel:+260-211-399303, 399300, E-mail: dgo@boz.zm. Web: http://www.boz.zm
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