eWallet Charges in Namibia: 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.

Sarah Andrew25 Oct 20265 min read Namibia

Person entering a PIN at an ATM to withdraw an eWallet

In this guide▾

eWallet charges compared: FNB vs Bank Windhoek
FNB eWallet charges
Bank Windhoek EasyWallet charges (from 1 July 2026)
eWallet and EasyWallet limits
How to pay less on eWallet fees in Namibia
What about Standard Bank, Nedbank and MTC Maris?
Mistakes that cost you money on eWallet
Frequently asked questions

Both big eWallets in Namibia do the same job, but one costs more every time you send. FNB eWallet charges N$12 to send N$500, while Bank Windhoek's EasyWallet charges N$14 for the same amount.

The person receiving pays nothing to collect the money at the bank's ATM. FNB eWallets can also be cashed out free at shop tills. Here are both banks' full fees from 1 July 2026.

eWallet charges compared: FNB vs Bank Windhoek

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

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.

eWallet and EasyWallet limits

Limit	FNB eWallet	Bank Windhoek EasyWallet
Most you can send in one wallet	N$5,000 (top of FNB's fee table)	N$4,000
Most an EasyWallet can hold	—	N$20,000 balance

If you need to send more than one wallet allows, you have to send two, and each one carries its own fee. Sending N$8,000 by FNB eWallet as two N$4,000 wallets costs two send fees. For larger amounts, an instant bank transfer is usually cheaper.

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. None has published a current 2026 fee list, and some guides still quote 2022 prices, which are out of date. Check the fee in the app or on the bank's latest pricing guide before you send.

Mistakes that cost you money on eWallet

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?

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.