Bank Windhoek review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bank Windhoek is a straightforward Namibian bank for people already banking in Namibia who want a plain Visa debit card. The monthly fee of NAD 7.12 applies to the account, and a currency conversion fee of 2.2% makes it a costly pick for spending abroad.
Key facts
- Best for
- Namibian residents who want a familiar bank Visa debit card and mostly spend in the local currency.
- Monthly fee
- NAD 7.12 (Source, checked September 26, 2026)
- Currency conversion fee
- 2.2% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- Bank Windhoek Limited (Source, checked September 26, 2026)
- Founded
- 1982 (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre (Source, checked September 26, 2026)
- Official website
- bankwindhoek.com.na
Credit cards
Pros and cons
Pros
- A fixed, easy to read monthly cost of NAD 7.12 on the account
- Visa network acceptance, visa, at a bank that has operated since 1982
- Supervised by the Bank of Namibia as a licensed bank
- A help centre and email, email and help centre, for account questions
Cons
- The currency conversion fee of 2.2% sits above the site median of 1% for spend outside Namibia
- A monthly charge of NAD 7.12 where most listed debit accounts are free at €0
- Support runs on email and help centre only, so there is no listed phone line
Who it suits
- Namibian customers who bank with a local bank and spend in Namibia
- Existing Bank Windhoek customers keeping a Visa debit card for daily spending
- People who want a regulated Namibian bank rather than a foreign app
Who should look elsewhere
- Frequent abroad spenders, who pay 2.2% in currency conversion costs
- Anyone wanting a fee free account, since the alternatives charge £0
How Bank Windhoek compares
9.1 vs 9.4
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 9.2
9.1 vs 8.8
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 9.0
9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.7
9.1 vs 9.2
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 9.6
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 8.8
9.1 vs 8.8- 9.1 vs 8.8
- 9.1 vs 8.8
9.1 vs 8.8- 9.1 vs 8.8
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.3
9.1 vs 8.2
9.1 vs 8.0
9.1 vs 8.0
Where Bank Windhoek is available
- Available
- Namibia
- Licence in Namibia
- Bank of Namibia, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a Bank Windhoek debit card cost each month?+
The account carries a monthly fee of NAD 7.12. That is the standing account cost, and it sits above the median monthly fee of €0 across the cards on the site.
How much does it cost to spend money in another currency?+
A currency conversion fee of 2.2% applies on foreign spend. The median across the site is 1%, so the mark-up is above the middle of the field.
Which network does the card run on?+
The card runs on visa, which is the most common network on the site at 58.6%. Acceptance is broad, but the fee on converting currency is the part to watch.
Is Bank Windhoek regulated?+
Bank Windhoek is licensed and supervised by the Bank of Namibia, the banking regulator in the country. The legal entity behind the brand is Bank Windhoek Limited.
How can I get help with my account?+
Support runs on email and help centre. There is a help centre and email, and the help centre is the most common channel listed at 75.6%.
Who does this debit card suit?+
It suits Namibian customers who bank with a local bank and mostly spend in Namibia. People who convert money often or live abroad get more from a lower conversion fee.
How long has the bank been running?+
Bank Windhoek was founded in 1982. A long operating history matters for readers who want a familiar counterparty rather than a new app.
Sources
- bankwindhoek.com.na checked September 26, 2026
Backs: Support channels
“Contact form available with CONTACT US button, FAQ section”
- en.wikipedia.org/wiki/Bank_Windhoek checked September 26, 2026
Backs: Founded, Legal entity, Licences
“Bank Windhoek was established in 1982”
- bankwindhoek.com.na checked September 26, 2026
Backs: Card type
“Visa Debit Card”
- elidge.com/bank-windhoek-transactional-fees-and-charges checked September 26, 2026
Backs: Currency conversion fee, Monthly fee, Card network
“Visa Debit Card International Purchases: N$5.75 + 2.2%”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Related by the facts
Bank Windhoek
Namibian residents who want a familiar bank Visa debit card and mostly spend in the local currency.