Updated September 28, 2026 · BorrowCue Editorial Team
ASA Banka vs Izwe Zambia
ASA Banka vs Izwe Zambia: the differences
| Compare |  ASA Banka |  Izwe Zambia |
|---|---|---|
| Loan amount | up to BAM 50,000 | ZMW 150,000 |
| Term | up to 120 monthsHigher | 60 months |
| Eligibility | Accounts for adult citizens of Bosnia and Herzegovina; loan applicants need regular monthly income, and fixed-term employees must have at least 12 months with the same employer | Permanently employed Zambian government employees, Zambia Air Force (ZAF) and Zambia National Service (ZNS), plus private sector employees; salary advances require banking with Absa, Atlas Mara, Indo, Natsave or Zanaco |
| Loan types | Personal, Cash advance, Debt consolidation, Credit line, Secured, Student | Personal, Payday, Cash advance, Secured, Car, Business |
| APR | 8.31% | Not confirmed |
| Arrangement fee | Not confirmed | 0 ZMW |
| Funding time | Not confirmed | Within 24 hours of approval, paid via EFT |
| Representative example | Long-term unsecured personal loan of 50,000.00 KM over 36 months, effective annual rate (EKS) 8.31% including related costs and fees | Not confirmed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Izwe Zambia scores higher overall: 9.2 vs 9.1.
- Founded is lower at ASA Banka: 1957 vs 2008.
- Term is higher at ASA Banka: up to 120 months vs 60 months.
- Support channels: only Izwe Zambia offers Email, Chat.
- Loan types: only ASA Banka offers Debt consolidation, Credit line, Student.
- Loan types: only Izwe Zambia offers Payday, Car, Business.
Our verdict on each
ASA Banka
ASA Banka suits borrowers in Bosnia and Herzegovina who want a fixed rate they can plan around, with unsecured personal loans at 8.31% and a long repayment window. Adults with regular monthly income, including fixed-term employees, can apply, and the lender also offers a free arrangement fee on its mortgage range.
Izwe Zambia
Izwe Zambia lends directly in Zambia, with personal loans up to ZMW 150,000 on fixed rates. It suits permanently employed government, Air Force, National Service and private sector staff, and money lands Within 24 hours of approval, paid via EFT.
Score breakdown
| Area | ASA Banka | Izwe Zambia |
|---|---|---|
| Cost | 9.1HigherUnsecured personal loans at 8.31% sit under the site median of 12%, and the home range charges BAM 0. | 8.9Arrangement fee 0 ZMW and product fee ZMW 0 on personal loans, with fixed pricing fixed. |
| Offer | 8.5 | 9.8Higher |
| Trust | 9.5Higher | 9.1 |
Where these facts come from
ASA Banka
- asabanka.ba: 13 facts, checked September 26, 2026
Izwe Zambia
- izwezambia.com: 17 facts, checked September 26, 2026
How they place
| Ranking | ASA Banka | Izwe Zambia |
|---|---|---|
| Personal loans | 502 of 1932 | 418 of 1932 |
| Secured loans | 127 of 472 | 101 of 472 |
| Mortgages | 152 of 719 | 122 of 719 |
| Cash advance apps | 12 of 53 | 9 of 53 |
Every fact side by side
| Fact | ASA Banka | Izwe Zambia |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | ASA Banka d.d. Sarajevo | Izwe Loans Zambia PLC |
| Headquarters | Bosnia and Herzegovina | Zambia |
| Founded | 1957Lower | 2008 |
| Support channels | Phone, Help centre | Email, Phone, Help centre, ChatCovers more |
Mortgages
| Fact | ASA Banka | Izwe Zambia |
|---|---|---|
| Initial rate | 3.29% | Not confirmed |
| APRC | 3.78% | Not confirmed |
| Fixed period | 10 yearsHigher | 5 years |
| Maximum loan to value | 80% | Not confirmed |
| Product fee | BAM 0 | ZMW 0 |
| Purpose | Purchase, Remortgage | Equity release |
Where each stands against the rest
| Fact | ASA Banka | Izwe Zambia | Median |
|---|---|---|---|
| APR | 8.31%below the median | Not confirmed | 8.99% |
| Term | up to 120 monthshighest quarter | 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
ASA Banka
Pros
- Unsecured personal loans priced at 8.31%, under the site median of 12%
- Repayment windows of up to 120 on a fixed rate
- Arrangement fee of BAM 0 on the home purchase and remortgage range
Cons
- Support runs through phone and help centre only
- Eligibility for accounts is limited to adult citizens of Bosnia and Herzegovina
- The home purchase rate of 3.29% needs a deposit reaching 80%
Izwe Zambia
Pros
- Arrangement fee 0 ZMW and product fee ZMW 0 on personal loans, so no upfront charge to weigh
- Direct lender direct lender under the Bank of Zambia, with the legal entity Izwe Loans Zambia PLC
- Funding Within 24 hours of approval, paid via EFT, and same day funding same day funding is listed on personal loans
Cons
- Free early repayment is no, so settling the loan early carries a cost
- Eligibility is narrow: permanently employed government, ZAF and ZNS staff plus private sector employees
- Salary advances need banking with Absa, Atlas Mara, Indo, Natsave or Zanaco
Who each suits
ASA Banka
Who it suits
- Adults in Bosnia and Herzegovina with regular monthly income
- Borrowers who want a fixed rate rather than a variable one
- Homebuyers comfortable putting a larger deposit down
Who should look elsewhere
- Anyone without a steady monthly income, or fixed-term applicants who have not yet built a waiting period with their employer
- Borrowers priced in another currency who want a fee-free personal loan, since BAM 0 applies to the home purchase and remortgage range
- Readers wanting a lender with a wider choice of support channels than phone and help centre
Izwe Zambia
Who it suits
- Borrowers after personal, payday, cash advance, secured, car or business lending, personal, payday and cash advance
- People who want the money paid into their bank account by EFT, Within 24 hours of approval, paid via EFT
Who should look elsewhere
- Self-employed or contract workers outside the listed employers
- Anyone planning to repay early, since free early repayment is no
- Borrowers needing loan types outside personal, payday and cash advance
Current offers
ASA Banka
Current offer
Bonus
Akcija stambenih kredita (mortgage loan campaign)
Source, checked September 26, 2026
Bonus
Poštedi se briga - Ostvari dodatni prihod i osiguraj novac (savings action with free ASA Central insurance): Free ASA Central insurance
Source, checked September 26, 2026
Discount code
Naša srijeda - Wednesday benefits for ASA Bank card customers
Applies to users of ASA Bank cards every Wednesday
Source, checked September 26, 2026
Country by country
| Country | ASA Banka | Izwe Zambia |
|---|---|---|
| Bosnia and Herzegovina | Yes | No |
| Zambia | No | Yes |
Questions about each
ASA Banka
What rate do ASA Banka personal loans charge?+
Unsecured personal loans run at 8.31%, and that rate is fixed rather than variable, so monthly payments stay level for the life of the loan. The representative example given covers long-term unsecured personal borrowing and states 8.31% including related costs and fees.
How much can I borrow and for how long?+
Unsecured personal loans reach up to BAM 50,000 and run for up to 120. The same bank also offers cash advance, debt consolidation, credit line, secured and student lending, so a larger purchase can be covered through a secured product instead.
Izwe Zambia
What does Izwe Zambia charge in fees?+
On personal loans the arrangement fee is 0 ZMW and the product fee is ZMW 0. Interest is charged on a fixed rate, fixed, so your repayments do not move with the market. Repaying early is not free, so the cost of settling up front is worth checking before you apply.
How much can I borrow and for how long?+
Loans run up to ZMW 150,000, over a term of 60. The range covers personal, payday, cash advance, secured, car and business lending, personal, payday and cash advance. The personal loan pages also list home improvement as a use, home improvement, and landed property borrowing is an equity release product, equity release.
Other options to compare
Other matchups
- ASA Banka vs ACLEDA Bank
- ASA Banka vs Exim Bank Djibouti
- ASA Banka vs Bosna Bank International
- ASA Banka vs EarnIn
- ASA Banka vs Dave
- ASA Banka vs Maldives Islamic Bank digital banking
- ASA Banka vs MoneyLion
- Izwe Zambia vs Commercial Bank CBclick
- ASA Banka vs CitiBank AE
- Izwe Zambia vs Grant Cash Advance
- Izwe Zambia vs LEND.ch
- ASA Banka vs Brigit
- Izwe Zambia vs Klover