How to Earn Money Online in Zambia in 2025

The road to financial independence is not easy but well worth it. We have all been there, and we can relate to your struggles. More than just relying on one income source is required. You can earn money online in Zambia to earn extra cash and start a passive income stream. Zambians receive plenty of work-from-home opportunities and don’t have to spend a fortune acquiring new skills. If you want to make good money, learn more, and have fun doing it, you’ve landed on the right page. 

6 Ways to Earn Money Online in Zambia in 2025

Here is a complete guide on how to earn money online in Zambia in 2025. Let’s get started.

1. Start a Dropshipping Business

Dropshipping allows you to sell products online without holding inventory. You act as the middleman between a customer and a supplier. When a customer purchases, the supplier ships the product directly to them. Your profit comes from the difference between your price and the supplier’s cost.

Best eCommerce Platforms for Dropshipping 

• Shopify: One of the most popular platforms for dropshipping worldwide. It offers apps like Oberlo (now part of DSers) that integrate with suppliers.
• WooCommerce (with WordPress): This customizable, open-source platform allows dropshipping by integrating plugins like AliDropship.
• BigCommerce: A platform with several dropshipping features built into its ecosystem.
• Jumia: Although Jumia is primarily a retail platform, you can sign up as a seller to dropship within Africa, taking advantage of its local infrastructure.

Top Dropshipping Suppliers in Zambia

You’ll need suppliers who can fulfill orders and ship directly to your customers in Zambia. Some options include:

• AliExpress: A popular global marketplace where many drop shippers source products. Use AliDropship or Oberlo (DSers) to automate this process.
• Spocket: Best in sourcing products from US and European suppliers and offers fast shipping times. Its catalog contains over 100 million products.
• SaleHoo: A directory of verified suppliers that offers access to thousands of products for dropshipping.
• Jumia's Marketplace: Consider suppliers within Jumia's ecosystem who can ship to Zambian customers faster than overseas suppliers.

Best Selling Dropshipping Niches in Zambia

Here are the best dropshipping niches in Zambia:

Fashion and Apparel

• Average Profit Margins: 20% to 40%
• Potential Earnings: If you sell products like clothing, shoes, or accessories between $10 and $50, you can expect profits of $2 to $20 per sale.
• Monthly Potential: With solid marketing, you can sell 100–200 items monthly and earn $200 to $4,000 in profits.

Beauty and Skincare Products

• Average Profit Margins: 30% to 50%
• Potential Earnings: Products like skincare creams, makeup, or natural beauty products sell for $10 to $30. You can earn $3 to $15 per sale.
• Monthly Potential: If you sell 100 items monthly, you can expect monthly earnings between $300 and $1,500.

Electronics and Gadgets

• Average Profit Margins: 10% to 30%
• Potential Earnings: Popular products like headphones, smartwatches, and phone accessories are priced between $20 and $100. Profits range from $2 to $30 per sale.
• Monthly Potential: Selling 50–100 items monthly could earn between $100 and $3,000.

Fitness and Health Products

• Average Profit Margins: 20% to 40%
• Potential Earnings: Items such as fitness bands, yoga mats, and sportswear generally sell for $20 to $80, with profits of $4 to $32 per sale.
• Monthly Potential: You could make $400 to $3,200 monthly by selling 100 products in this niche.

Home Decor and Furniture

• Average Profit Margins: 20% to 45%
• Potential Earnings: Products like small furniture, wall art, and home accessories can sell for $50 to $300, giving you profits of $10 to $135 per sale.
• Monthly Potential: Selling 50–100 items can bring in $500 to $13,500 per month, depending on product type and demand.

High-Ticket Products (Luxury Items, Furniture, Expensive Electronics)

• Average Profit Margins: 10% to 30%
• Potential Earnings: High-ticket items like premium electronics, designer furniture, or luxury accessories can be priced from $500 to $2,000, yielding $50 to $600 in profit per sale.
• Monthly Potential: Selling just 10–20 high-ticket items per month could cost $500 to $12,000.

2. Invest in Stocks

Investing in stocks in Zambia can be done through several options, with the Lusaka Securities Exchange (LuSE) being the primary platform for trading publicly listed shares. Let’s explore some of the best options:

Best Investment Options for Stocks in Zambia

Banking and Financial Services

Zanaco and Standard Chartered Zambia are solid investments in Zambia's growing financial sector. The industry is expanding due to rising demand for financial services as the economy grows.

Energy Sector

Copperbelt Energy Corporation (CEC) is a major player in Zambia's energy industry. It provides power to the copper mining industry and has growth potential as Zambia addresses energy deficits.

Agriculture

Zambeef Products is one of the largest agribusinesses in Zambia. Given the importance of agriculture to Zambia’s economy, investing in this sector could be beneficial in the long term, especially as global demand for food increases.

Telecommunications

Although the sector is still growing, investing in telecom companies listed on LuSE is another option to explore as mobile and data usage proliferates in Zambia.

Mining Stocks

Zambia is well known for its copper production, so companies linked to the mining sector may offer good returns. While directly investing in mining stocks is limited on LuSE, companies like CEC benefit from the mining industry.

Platforms to Use

Several international and local platforms allow you to trade stocks online in Zambia. Some of the best options include:

• Trading 212: Offers access to over 1,700 stocks, including Zambia, the UK, and other global markets. It's known for having a low minimum deposit (as low as $1), making it accessible for beginners​.
• Exness: Provides access to various assets, including Zambian and international stocks, ETFs, etc​.
• Lusaka Securities Exchange (LuSE): For local stocks, you can trade on LuSE, Zambia's leading stock exchange, via a licensed broker. LuSE offers various companies across sectors like energy, finance, and retail.​

How to Get Started

• Register on a Platform: Start by choosing a regulated platform like the ones mentioned above. Most platforms require some form of identity verification.
• Deposit Funds: Depending on the platform, you might need to deposit in US Dollars or Zambian Kwacha.
• Choose Your Investments: You can invest in individual stocks, ETFs, or funds. Be sure to diversify your portfolio to spread risk.

3. Try Virtual Assistance

Becoming a virtual assistant (VA) in Zambia offers a flexible way to earn money online. Here’s how you can get started, the platforms to use, and what to expect in terms of pay, work hours, and necessary skills:

How to Start as a Virtual Assistant in Zambia

To begin as a virtual assistant, follow these steps:

• Identify Your Skills: VAs often handle tasks like email management, scheduling, customer service, social media management, data entry, or bookkeeping. You should assess which skills you already possess and identify areas where you can improve.
• Create an Online Presence: Build a portfolio highlighting your skills and services. This could be a simple website or profiles on freelancer platforms. Showcasing any prior administrative work experience can be beneficial.
• Get Certifications: While formal certifications aren’t always required, having skills certifications from Coursera, Udemy, or LinkedIn Learning in areas like project management, social media marketing, or customer support can set you apart from other candidates. These courses can also cover critical tools (e.g., Google Workspace, Asana, Slack).

Platforms to Use for VA Jobs

Here are some platforms where you can find virtual assistant work:

• Upwork: One of the largest freelance platforms. You can create a profile and bid on VA jobs.
• Fiverr: Ideal for offering specific services (like managing social media, data entry, or graphic design tasks).
• PeoplePerHour: Focuses on freelance jobs, including VA positions, and offers hourly or project-based work.
• Freelancer: Like Upwork, this platform allows global bidding on VA projects.
• Zambian Classifieds and Facebook Groups: Look for local groups or communities where employers post job listings.

Skills or Certifications Needed

Some common skills to acquire or improve for VA work are:

• Communication Skills: Email handling, phone support, and clear communication are vital.
• Organization and Time Management: Tasks may include calendar management, scheduling, and organizing meetings.
• Technical Skills: Familiarity with tools like Microsoft Office, Google Workspace, Zoom, and various project management software (e.g., Asana, Trello).
• Bookkeeping or Accounting: If you want to handle financial tasks, consider certifications in bookkeeping software like QuickBooks or Xero.

Companies in Zambia Hiring Virtual Assistants

While Zambia-specific companies may not advertise VA roles as frequently as international firms, some organizations hire for remote admin support roles:

• Zambian startups in the tech space are often open to hiring virtual workers for administrative and operational support.
• Firms needing part-time or project-based administrative support may outsource their work to local or international VAs.
• Local companies often post opportunities on job portals like Go Zambia Jobs, LinkedIn, or Zambian job boards.

Earning Potential and Work Hours

The amount you can earn as a virtual assistant depends on your experience, skill set, and the type of tasks you handle:

• Entry-Level VAs: You can expect to earn around $5 to $10 per hour on international platforms like Upwork or Fiverr.
• Experienced VAs: Specialized VAs (e.g., with skills in bookkeeping, project management, or technical skills) can charge $15 to $30 per hour or more.
• Zambian Market: If working for local clients, you may earn ZMW 100 - 300 per day, depending on the tasks and the company.

Work Hours and Payment Models

• Work Hours: VAs typically have flexible hours, especially for international clients. However, some jobs may require you to align with the client’s time zone.
• Payment Models: Payments are typically structured on:some text
  • Hourly Rate: For ongoing, time-based tasks.
  • Fixed-Price Projects: For defined tasks like research or setting up systems.
  • Retainers: Some clients may pay you a set amount each month for an agreed-upon number of hours.

4. Online Tutoring

Students always need help with homework and look for coaching services in Zambia. Becoming an online tutor is a great way to help students succeed academically. You can also teach students across different time zones!

Platforms to Use for Online Tutoring

• Preply: An international platform that connects tutors with students looking for language, academic, and skill-based lessons. It allows you to set your rates and hours.
• TutorMe: A global platform where you can offer tutoring services in subjects like English, Math, and Science.
• TeachMe2: A South African-based platform allowing Zambians to offer academic tutoring. It has a rigorous vetting process, so having credentials will help.
• Facebook Groups and Local Platforms: In Zambia, groups on Facebook, WhatsApp, or local classifieds can help you find students or families looking for tutoring services.

Subjects to Teach

The demand for online tutoring varies, but some high-demand subjects include:

• Mathematics and Science: Often in high demand by both secondary school students and those preparing for exams.
• English: Especially for non-native speakers or students preparing for international tests like TOEFL or IELTS.
• Computer Skills: With the rise of technology, skills like coding, Microsoft Office, and data analysis are highly sought after.
• SAT/IELTS/Local Exam Prep: Exam preparation is a niche that attracts students seeking expert guidance.

Who to Approach for Remote Job Opportunities

• Private Schools: Many schools in Zambia and internationally now offer hybrid learning models and need online tutors to support students.
• Test Prep Centers: Centers specializing in preparing students for international tests like IELTS, SAT, or GMAT may need online tutors.
• Freelance Opportunities: Using freelance platforms like Upwork and Fiverr lets you connect with clients globally. Additionally, networking in educational forums and social media platforms like LinkedIn can help.

5. Become a Crypto Trader

Crypto trading won’t make you rich overnight, but you can make decent money if you trade correctly. It’s one of the top ways to earn money online in Zambia in 2025. Since the government does not regulate cryptos, their reputation has soared over the decades. You don’t have to worry about inflation or the currencies losing value, which means you can make decent profits.

How to Start Crypto Trading in Zambia

• Understand the Basics: Before trading, it is essential to learn about cryptocurrencies and blockchain technology. Cryptos like Bitcoin (BTC), Ethereum (ETH) and stablecoins like USDT are some of the most traded assets. Resources like CoinMarketCap or Binance Academy can help you grasp market trends, crypto tools, and critical terminologies.
• Create an Account on a Trading Platform: The first step to trading crypto is choosing a trusted platform. In Zambia, there are both local and international platforms you can use:some text
  • Binance: The most significant global cryptocurrency exchange. It offers many cryptocurrencies and features like spot trading, futures, staking, etc. Binance is widely accessible in Zambia.
  • Exness: This company offers cryptocurrency trading alongside forex and other assets and allows flexible deposits via mobile money in Zambia.
  • Yellowcard: Is a local African-based crypto platform supporting crypto buying, selling, and transfers in Zambia.
  • KuCoin: Another well-established platform that offers margin trading and access to various altcoins.
• Deposit Funds: Platforms like Binance and YellowCard allow you to deposit via bank transfer, mobile money (e.g., Airtel Money, MTN), or other payment methods.

Which Cryptocurrencies Should You Trade?

• Bitcoin (BTC): Bitcoin is the most popular and established cryptocurrency with a large trading volume and high liquidity. It’s often seen as a safe entry into crypto trading.
• Ethereum (ETH): The second-largest market capitalization cryptocurrency primarily known for its smart contract functionality.
• Stablecoins (USDT, USDC): These are less volatile than other cryptocurrencies and are pegged to a fiat currency like the US dollar. Stablecoins are often used to store value between trades or during uncertain market conditions.
• Altcoins (Solana, Cardano, XRP): You can explore trading altcoins, which may have higher volatility and offer the potential for more enormous profits but come with higher risk.

Tips for Avoiding Losses and Maximizing Profits

• Start Small: If you are new to crypto trading, start with a small investment you are prepared to lose. Avoid putting all your savings into volatile assets.
• Diversify Your Portfolio: Do not put all your funds in one cryptocurrency. To reduce risk, spread your investment across different coins (e.g., BTC, ETH, USDT, and promising altcoins).
• Use Stop-Loss Orders: Many platforms, like Binance, offer features like stop-loss orders to limit your losses. These orders automatically sell your assets when the price falls below a certain level.
• Follow Market Trends: Stay updated with news and crypto market trends. Tools like CoinMarketCap, TradingView, or CoinGecko can help you track price movements and identify entry/exit points.
• Stay Updated on Regulations: Changes in crypto regulations can impact prices and trading activities. Constantly monitor global and local news regarding rules.
• Avoid Emotional Trading: Crypto prices are highly volatile. Avoid making impulsive decisions based on fear or greed. Use a clear strategy, such as day trading, swing trading, or holding long-term positions based on risk tolerance.

Top Crypto Trading Trends in Zambia for 2025

• Mobile-Based Crypto Trading: With the rise of mobile money services in Zambia, platforms integrating mobile-based payments for buying/selling crypto are becoming popular. Many Zambians prefer trading via mobile apps like Binance or Yellowcard, thanks to the convenience of linking mobile wallets.
• Stablecoins for Cross-Border Transactions: Stablecoins like USDT are widely used for cross-border remittances due to their low volatility and fast transfer speeds. Many Zambians working abroad are sending funds back home via cryptocurrencies.
• Altcoins and NFTs: There's a growing interest in alternative cryptocurrencies (altcoins) like Solana (SOL) and Polygon (MATIC) and in the non-fungible token (NFT) space. Zambian artists and creators are beginning to explore NFTs to sell their work globally.
• Crypto as an Inflation Hedge: With concerns over the devaluation of the Kwacha, many Zambians are looking to crypto (especially BTC and stablecoins) as a hedge against inflation and currency volatility.
• Decentralized Finance (DeFi): DeFi platforms are gaining traction globally, offering decentralized lending, borrowing, and staking services. Zambians can use DeFi to earn passive income through staking and yield farming.

6. Sign Up for Affiliate Marketing

Affiliate marketing is a great way to earn money online in Zambia by promoting products or services and earning a commission for every sale or action generated through your referral.

How to Start Affiliate Marketing in Zambia

To get started as an affiliate marketer, follow these steps:

• Choose a Niche: Decide on a specific niche you want to focus on, such as fashion, health, technology, education, or finance. Choose a niche based on your interests and knowledge, making creating content and promoting products authentically easier.
• Build a Platform: You’ll need a platform to promote affiliate products. Most affiliates use:some text
  • Blogs: Write content that reviews, recommends, or talks about products.
  • YouTube: Create video content to review or showcase products.
  • Social Media: Platforms like Instagram, Facebok, and TikTok can be used to promote affiliate links and products.
  • Email Marketing: Build a list of subscribers to share relevant products and deals.
• Join Affiliate Programs: Sign up for affiliate marketing programs that align with your niche. Some programs are global, while others are region-specific, including those available in Zambia.
• Create Quality Content: The key to success in affiliate marketing is providing value through engaging content. Whether through blog posts, videos, or social media, your content should address your audience’s needs and interests while subtly promoting affiliate products.
• Use Affiliate Links: Once you’re signed up for an affiliate program, you’ll receive unique links that track your referrals. Use these in your content, making sure to disclose that you’re using affiliate links (per most platforms' guidelines).

Best Affiliate Marketing Programs in Zambia

While Zambia doesn’t have as many country-specific affiliate programs as some regions, you can leverage international and African-focused programs. Here are some of the best options in 2025:

International Programs

• Amazon Associates: One of the most popular global affiliate programs, Amazon Associates allows you to promote any product on Amazon. You earn a commission for each sale made through your referral link. Though Amazon is not locally based, many Zambians use it for international shopping.
• Spocket: You can join Spocket's affiliate program to maximize earnings and start earning commissions. Grow your income with each referral and scale your profits. There are no limits!
• ClickBank: A central affiliate marketing platform specializing in digital products like eBooks, software, and online courses. ClickBank provides high commissions but is more suited for niche markets like fitness, finance, and personal development.
• CJ Affiliate (formerly Commission Junction): A global affiliate network that connects affiliates with brands in various industries, including tech, retail, and finance. It offers numerous products and services to promote worldwide.
• Awin: Another large global affiliate marketing platform, Awin offers partnerships with brands in eCommerce, travel, and finance. This is ideal if you have an audience that buys products from international retailers.

African-Based and Local Programs

• Jumia Affiliate Program: Jumia, one of the largest e-commerce platforms in Africa, offers an affiliate program where you can promote products sold on their site and earn commissions for every sale. This program is available in Zambia, and since Jumia is widely used locally, it’s an excellent option for Zambian marketers.
• Travelstart Affiliate Program: If you’re interested in the travel niche, Travelstart is a leading African online travel agency. Their affiliate program allows you to promote flights, hotels, and vacation packages, earning commissions when someone books through your link.
• Betting and Finance Programs: Some online betting companies and financial service providers that operate in Zambia also offer affiliate programs. For example, sports betting companies may offer affiliate deals where you earn commissions based on the number of sign-ups or bets placed through your referral.
• YellowCard Affiliate Program: This is a cryptocurrency exchange based in Africa. By referring users to sign up for YellowCard, you earn commissions on trades or deposits made by your referrals. With crypto adoption rising in Zambia, this could be a lucrative niche.

Conclusion

Earning money online in Zambia in 2025 offers countless opportunities, from freelancing and online tutoring to dropshipping and affiliate marketing. With the right skills, mindset, and dedication, you can build a sustainable income stream while working from home. Whether starting with small steps like monetizing your skills or diving into eCommerce with a dropshipping business, the digital world is full of possibilities. Begin by honing your skills, identifying profitable niches, and using the right platforms to market your services and products.

Ready to take your dropshipping business to the next level? Start sourcing high-quality products from reliable suppliers with Spocket and build a profitable online store today!