---
title: "First Capital Bank: Commercial Bank in Africa"
description: "Open savings/current accounts, RTGS/EFT transfers, pay bills & cardless withdrawals. Trade finance, forex & Visa cards in 5 Southern African countries."
canonical_url: "https://liners.com/first-capital-bank"
markdown_url: "https://liners.com/first-capital-bank.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/firstcapitalbank-2/screenshot.webp?v=1786699614425"
published_at: "2026-08-16T22:48:59.794Z"
updated_at: "2026-10-03T03:01:33.416Z"
---

# First Capital Bank: Commercial Bank in Africa

Open savings/current accounts, RTGS/EFT transfers, pay bills & cardless withdrawals. Trade finance, forex & Visa cards in 5 Southern African countries.

## Breadcrumbs

- [Banking](/categories/banking)
- [First Capital Bank](/first-capital-bank)

## Summary

Personal, business, and corporate banking in Southern Africa

A commercial bank offering personal, business, and corporate banking, digital payments, and trade finance across five Southern African markets.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.firstcapitalbank.co.zw/ |
| Tagline | Personal, business, and corporate banking in Southern Africa |
| Primary country | Zimbabwe |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

First Capital Bank is a commercial banking group serving individuals, businesses, and corporate and institutional clients across **Southern Africa**, operating under its own brand in **Zimbabwe**, **Malawi**, **Botswana**, **Mozambique**, and **Zambia**.

Key capabilities include:
- **Personal and retail banking**, including current and savings accounts, personal loans, mortgages, overdrafts, and diaspora banking options
- **Business and corporate banking**, covering trade finance (letters of credit, guarantees, collection bills), working capital and asset finance, leasing, and cash management
- **Digital banking and payments** through internet banking, mobile apps, cardless withdrawals, RTGS/EFT transfers, payroll processing, and bill payments
- **Cards and forex services**, including Visa debit and business cards, contactless payments, and foreign currency accounts and trading

Available on **Web**, with mobile app support on **Android** and **iOS**, and internet banking for desktop users; specific products and app availability vary by country.

The group traces its roots to **First Merchant Bank**, founded in **Malawi in 1995** as the country's first private bank, and expanded regionally into Botswana (2008), Zambia (2010), and Mozambique (2013) before acquiring a majority stake in **Barclays Zimbabwe** (operating since 1912) in 2017 and rebranding it under the same First Capital Bank name. The group's holding company, **FMBCapital Holdings**, is listed on the **Malawi Stock Exchange** and reports roughly **$2.5 billion** in group assets. In 2026, FMBCapital secured in-principle approval from the **Bank of Mauritius** to launch a new bank there as a joint venture with **Rogers Global Financial Holdings**, though it has not yet been authorized to operate.

## Features

- [Banking](/categories/banking): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Commercial Bank](/tags/commercial-bank): Product feature or technology
- [Botswana](/countries/botswana): Market
- [Malawi](/countries/malawi): Market
- [Mozambique](/countries/mozambique): Market
- [Zambia](/countries/zambia): Market
- [Zimbabwe](/countries/zimbabwe): Market

## Related pages

- [Alternatives](/first-capital-bank/alternatives)
- [Reviews](/first-capital-bank/reviews)
- [Transparency](/first-capital-bank/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/first-capital-bank)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)