Upgrade to a Pro User and unlock access to the Cooperator Credit Card—an exclusive benefit for committed members of the co-operative community. The Cooperator Credit Card offers flexible spending, Buy Now Pay Later options, and tailored credit limits based on your savings and investment activity with ZWMB. It's more than just a card—it's your key to financial empowerment, allowing you to support co-op businesses, invest in co-operative ventures, and manage your everyday expenses with ease. Apply today and take your co-operative journey to the next level.

The Cooperator Account from ZWMB is a special account designed for individuals and co-operative members to save, invest, and access tailored financial services. It can be opened at any ZWMB branch or instantly online by registering and verifying your details on https://coops.africa, making it quick and convenient to join the co-operative banking community.

Co-operative Formation Consulting Service (US$250)

Our consulting service provides comprehensive support for individuals and groups seeking to register a new co-operative. We offer expert guidance through every step of the formation process to ensure compliance with legal requirements and alignment with co-operative principles. Our service includes:
Defining Objectives and Scope: We help you articulate the mission, vision and scope of operations for your proposed co-operative society.

Member Mobilization and Education: We organize educational sessions for potential members, helping them understand the co-operative model and their roles and responsibilities.

Member Suitability Assessment: We assess the eligibility and commitment of prospective members and compile an official list of those ready to join.
Capital Contribution Planning: We assist in determining appropriate member contributions, whether in shares, savings, labour or other forms, and evaluate expected business volume and member benefits.

Feasibility Study and Work Programme: In collaboration with a co-operative officer or apex organization, we conduct feasibility and viability assessments and develop a first-year work plan.

By-law Drafting: We prepare draft by-laws for the proposed society in line with co-operative legislation and best practices, with input from relevant authorities where necessary.

Legal and Administrative Support: We ensure all acts necessary for registration are completed, including: Confirming the eligibility of formation delegates (ensuring none are disqualified), Preparing and documenting resolutions from preliminary meetings, Developing all required feasibility and viability documentation, Submitting the registration application and paying the necessary application fee to the Central Fund.

With our service, you gain a reliable partner that simplifies and accelerates the registration process, ensuring your co-operative is built on a solid foundation for long-term success.