Frequently Asked Questions

• What is Ptrserve Investments' mission?
  Our mission is to bridge the financial inclusion gap in Zimbabwe by providing easy access to vital financial services for the underbanked, including the informal sector, farmers, miners, and civil servants.
• Who is eligible for Ptrserve's services?
  We cater to a wide range of clients who may not have access to traditional banking, including individuals in the informal sector (MSMEs and SMEs), farmers, miners, civil servants, and corporate employees. Our goal is to serve anyone who needs reliable, accessible financial solutions.
• Do I need an existing bank account to use your services?
  No, a traditional bank account is not always required to access our services. We offer alternative solutions that leverage mobile money and simplified account options to ensure accessibility for the unbanked and underbanked population.

Account Opening and Documentation

• What documents do I need to open an account with Ptrserve?
  We have simplified our Know Your Customer (KYC) requirements to accommodate individuals who may lack formal documentation. Generally, we will require:
  • A valid form of identification (National ID, driver's license, or passport).
  • Proof of residential address (e.g., a utility bill, or potentially a confirmation letter from a local authority if formal bills are unavailable).
  • Proof of income (this can be demonstrated through various means, not just formal payslips).
• I don't have formal proof of income/address. Can I still apply?
  Yes, we understand the unique circumstances of the informal sector and rural populations. We use flexible verification methods and local inquiries to assess income levels and confirm residency.
• How long does it take to open an account?
  Our account opening process is designed to be efficient. With the necessary information, an account can typically be opened rapidly, often leveraging digital and mobile platforms for speed.

Services Offered

• What specific financial services do you offer?
  We offer a variety of services, including:
  • Savings Products: Secure micro-savings accounts to help build financial stability.
  • Credit Facilities: Accessible loans and micro-credit tailored for business growth, agricultural inputs, and emergencies.
  • Digital Transactions: Mobile money integration and digital payment solutions.
  • Financial Education: Training programs to improve financial literacy and management skills.
• Are your interest rates affordable?
  We strive to provide competitive and transparent interest rates, ensuring our services remain affordable and prevent cycles of debt. Interest rates and fees are clearly communicated upfront.
• Do you offer services specifically for farmers or small businesses?
  Yes, we have tailored products to support MSMEs, SMEs, and farmers, including loans for agricultural inputs, working capital, and insurance solutions. We aim to support growth and resilience in these critical sectors.

Security and Support

• Is my money safe with Ptrserve Investments?
  Yes, we are a registered and regulated financial services provider under the Reserve Bank of Zimbabwe (RBZ) and follow strict security protocols and data protection laws to ensure the safety of your funds and information.
• How can I access my funds or check my balance?
  You can access your account information and conduct transactions through our mobile platforms and a network of local agents, making services accessible even in remote areas.
• What if I have a problem or need help?
  Our customer support team is available to assist you. You can reach us via phone, email, or visit one of our agent locations for in-person support.