eWallet Charges in Namibia 2026: FNB eWallet vs Bank Windhoek EasyWallet
eWallet charges in Namibia from July 2026: FNB N$12–N$40, Bank Windhoek EasyWallet N$14–N$41.50. Withdrawal fees, limits, reversals and how to pay less.
In this guide▾
eWallet charges in Namibia from 1 July 2026: FNB charges N$12 to send up to N$500 by eWallet, N$15 for N$501–N$2,000, N$30 up to N$4,000 and N$40 up to N$5,000. Bank Windhoek's EasyWallet costs more at every amount: N$14 up to N$500, N$28 up to N$1,000 and N$41.50 from N$1,001 to N$4,000. The person receiving pays nothing to collect from either bank's ATM the first time, and FNB eWallets can also be withdrawn free at shop tills (CashPlus). Figures are from FNB's 2026/27 pricing guide and Bank Windhoek's fee schedule from 1 July 2026, both including VAT.
eWallet charges compared: FNB vs Bank Windhoek (2026)
| Amount you send | FNB eWallet | Bank Windhoek EasyWallet |
|---|---|---|
| N$200 | N$12.00 | N$14.00 |
| N$500 | N$12.00 | N$14.00 |
| N$1,000 | N$15.00 | N$28.00 |
| N$1,500 | N$15.00 | N$41.50 |
| N$2,000 | N$15.00 | N$41.50 |
| N$3,000 | N$30.00 | N$41.50 |
| N$4,000 | N$30.00 | N$41.50 |
| N$5,000 | N$40.00 | Above the N$4,000 maximum |
Sources: FNB Namibia Personal Banking Pricing Guide 2026/2027 (effective 1 July 2026) and Bank Windhoek fees and charges (maximum fees from 1 July 2026).
FNB is cheaper at every amount, and the gap is biggest between N$1,001 and N$2,000: sending N$2,000 costs N$15 with FNB and N$41.50 with Bank Windhoek.
FNB eWallet charges (2026/27)
Sending an FNB eWallet
| Amount sent | Fee (App, Online Banking, ATM, Cellphone Banking) |
|---|---|
| N$20 – N$500 | N$12.00 |
| N$501 – N$2,000 | N$15.00 |
| N$2,001 – N$4,000 | N$30.00 |
| N$4,001 – N$5,000 | N$40.00 |
The fee is the same on every channel. You can send to anyone with a valid Namibian cellphone number, and they don't need a bank account. On Cellphone Banking, dial *140*321#, choose Send Money, then eWallet.
Withdrawing and using an FNB eWallet
| What the recipient does | Fee |
|---|---|
| Withdraw at a shop till (POS/CashPlus) | Free |
| Withdraw at an FNB ATM | First withdrawal free, then N$14.00 each |
| Buy prepaid electricity | Free |
| Buy prepaid airtime | N$2.70 |
| Reverse an eWallet sent to the wrong number | N$25.00 |
FNB's Private Wealth clients get five free eWallet sends a month as part of their package. Businesses sending eWallets in bulk pay a lower per-transaction fee.
Bank Windhoek EasyWallet charges (from 1 July 2026)
Sending an EasyWallet
| Amount sent | Fee (iBank, App, Cellphone Banking) |
|---|---|
| N$0 – N$500 | N$14.00 |
| N$501 – N$1,000 | N$28.00 |
| N$1,001 – N$1,500 | N$41.50 |
| N$1,501 – N$4,000 | N$41.50 |
Using an EasyWallet
| What the recipient does | Fee |
|---|---|
| ATM withdrawal | First withdrawal free, then N$11.00 each |
| Wallet-to-wallet transfer | N$6.00 |
| Prepaid electricity | N$1.10 |
| Top-ups (maximum balance N$20,000) | N$2.00 |
| Reversal | N$33.75 |
Bank Windhoek's fees went up on 1 July 2026. The previous schedule, still quoted on some websites, charged N$13.00, N$23.90, N$35.84 and N$39.00 for the four bands. EasyWallet sends of N$1,001–N$1,500 rose the most, from N$35.84 to N$41.50.
How to pay less on eWallet fees in Namibia
- Send in one go, not in pieces. With FNB, one N$2,000 eWallet costs N$15. Four of N$500 cost N$48.
- Use the top of each band. FNB charges N$15 for anything from N$501 to N$2,000, so sending N$2,000 costs 0.75%, while N$600 costs 2.5%.
- Avoid N$2,001. With FNB, N$2,000 costs N$15 and N$2,001 costs N$30.
- Collect FNB eWallets at a till. CashPlus withdrawals at shops are free. A second ATM withdrawal costs N$14.
- Check the number twice. A reversal costs N$25 at FNB and N$33.75 at Bank Windhoek, more than the send itself.
- If you bank with Bank Windhoek and send often, compare the cost of moving money to an FNB account. For regular sends between N$1,001 and N$2,000, you'd pay N$15 instead of N$41.50.
What about Standard Bank, Nedbank and MTC Maris?
Standard Bank Namibia (Blue Voucher and the PayPulse app), Nedbank Namibia (Send-iMali) and MTC's Maris mobile money service also let you send money to a cellphone number. We couldn't find current 2026 fee schedules for these services. Some guides quote figures from 2022 pricing guides, which are out of date. Check the fee in the app or on the bank's latest pricing guide before you send.
What to watch out for
- Old fee tables. Search results still show 2022 and 2025 eWallet fees. FNB's and Bank Windhoek's fees changed on 1 July 2026.
- eWallet scams. Fraudsters ask you to send an eWallet for goods that never arrive, or ask for the ATM PIN "to confirm" a payment. Never share an eWallet PIN with anyone except the person you're paying.
- Wrong numbers. An eWallet to the wrong cellphone number can be cashed by a stranger before you notice. Check the number before you confirm.
If your salary arrives in a bank account and you send part of it home by eWallet each month, both costs add up. Our guide to PAYE in Namibia shows what comes off before payday. Elsewhere in Southern Africa, Botswana's Orange Money and MyZaka charges are flat P5–P6 sends, and Lesotho's M-Pesa and EcoCash charges switch to a percentage above M5,000. More guides for Namibia are on our Namibia page.
Frequently asked questions
How much does FNB eWallet cost to send in 2026?
N$12 for up to N$500, N$15 for N$501–N$2,000, N$30 for N$2,001–N$4,000 and N$40 for N$4,001–N$5,000, under FNB's 2026/27 pricing guide effective 1 July 2026.
How much are Bank Windhoek EasyWallet charges?
From 1 July 2026: N$14 up to N$500, N$28 for N$501–N$1,000, and N$41.50 for N$1,001–N$4,000. The first ATM withdrawal is free, then N$11 each.
Is it free to withdraw an eWallet?
The first ATM withdrawal is free at both FNB and Bank Windhoek. FNB eWallets can also be withdrawn free at shop tills (CashPlus). After the first ATM withdrawal, FNB charges N$14 and Bank Windhoek N$11.
What is the maximum eWallet amount in Namibia?
FNB's fee table goes up to N$5,000 per eWallet. Bank Windhoek's EasyWallet send fees go up to N$4,000, and an EasyWallet can hold a balance of up to N$20,000.
Which eWallet is cheapest in Namibia?
FNB eWallet is cheaper than Bank Windhoek's EasyWallet at every amount in 2026. At N$1,000 it's N$15 against N$28, and at N$2,000 it's N$15 against N$41.50.
How much is the eWallet reversal fee?
N$25 at FNB and N$33.75 at Bank Windhoek. Double-check the cellphone number before sending.
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