1 EBank Overview

  • 1.1 Who is EBank?
  • 1.2 What makes EBank different?
  • 1.3 Where can I find an EBank branch?
  • 2 EBank Debit Card

    3 Account Opening

  • 3.1 How do I open an account with EBank?
  • 3.2 What documents do I need to open an account with EBank?
  • 3.3 Do I require a minimum account balance?
  • 3.4 What is an EBank Ambassador?
  • 4 EBank Products

  • 4.1 Why does EBank refer to “solutions”?
  • 4.2 What is the EBank transaction account?
  • 4.3 What is the EBank savings account?
  • 4.4 What differentiates EBank Easy from EBank Smart?
  • 4.5 How do I create new accounts?
  • 4.6 How do I name my accounts?
  • 4.7 Can I get an EBank debit card?
  • 4.8 Can I get a loan with EBank?
  • 4.9 Will EBank cater for my business banking requirements?
  • 5 EBank Channels

  • 5.1 How do I deposit and withdraw my money at EBank?
  • 5.2 What is an ECode?
  • 5.3 How do I access EBank on my cellphone?
  • 5.4 Can my Transaction be reversed and can I return items bought via EBank?
  • 5.5 What are transaction and channel limits?
  • 5.6 Does EBank provide internet banking?
  • 6 EBank Services

  • 6.1 What services does EBank provide?
  • 6.2 Can I use EBank services outside of Namibia?
  • 7 Legal Matters

  • 7.1 What fees will EBank charge me?
  • 7.2 What are the limits on EBank Easy?
  • 7.3 What are the limits on EBank Smart?
  • 7.4 What if I lose my cell phone?
  • 7.5 What happens to my account if I die?
  • 8 Enabling Cookies on a Mobile Device

  • 8.1 Enabling cookies using the Android web browser
  • 8.2 Configuring Cookie Settings on OperaMini
  • 8.3 Enabling cookies using the Chrome for Android
  • 8.4 Enabling cookies using Safari for iOS (iPhone/iPad/iPod touch)
  • 8.5 Enabling cookies using BlackBerry browser
  • 8.6 Enabling cookies using Internet Explorer for Windows Phone
  • 9 Enabling Cookies on a Browser

  • 9.1 Microsoft Internet Explorer 8.0 - 10.0
  • 9.2 Firefox 7.0 and newer
  • 9.3 Firefox 3.0
  • 9.4 Google Chrome 5.0

  • 1 EBank Overview


    1.1 Who is EBank?

    EBank is a commercial bank in Namibia. Our vision is to be Namibia’s most accessible Bank! EBank is reliant on technology and a network of retailers to provide key services.


    1.2 What makes EBank different?

    EBank is the seventh commercial bank in Namibia but is different to the established players by:



    1.3 Where can I find an EBank branch?

    EBank will not have traditional bank branches but has partnered with a variety of retailers to allow cash in (deposit) and cash out (withdrawal). In addition, EBank clients can pay these retailers with their mobile phones. For a comprehensive list of our retail partners, please go to ebank.na.

    EBank will have a team of Ambassadors to assist clients in opening accounts and any queries they may have. For a comprehensive list of where to find our Ambassadors, please go to ebank.na.


    2 EBank Debit Card


    3 Account Opening


    3.1 How do I open an account with EBank?

    Individuals with a Namibian SIM card (provided currently only by MTC) and a Namibian ID or South African ID number will have the ability to open an EBank account on their phone from any location. Would-be clients will need to dial *140*140# on their phone and follow the on-screen commands, including entering their ID number, accepting EBank’s Terms and Conditions, setting a secret PIN and providing their name and surname.

    Alternatively, would-be clients can visit an EBank Ambassador who will capture key details for FIA purposes into pre-designed forms on screen as well as capture images of the person and identity document.


    3.2 What documents do I need to open an account with EBank?

    For would-be clients who would like to open an account on their phone, the person is required to have a Namibian or South African identity number.

    For any Namibian or foreigner over the age of 16, an account can be opened by visiting and EBank Ambassador and presenting either an original identity document or passport.


    3.3 Do I require a minimum account balance?

    No, EBank does not require you to deposit an amount when opening an account nor do we require an ongoing minimum balance.


    3.4 What is an EBank Ambassador?

    An Ambassador is an EBank employee that is responsible for marketing EBank to potential clients; originating new client accounts; and educating clients about basic banking principles and how to use EBank channels and solutions.

    EBank Ambassadors are trained on all aspects of EBank‘s business model including vision and mission, products, channels, client service and sales. They are individuals located within specified areas of responsibility, which are published and updated on our website, www.ebank.na.


    4 EBank Products


    4.1 Why does EBank refer to “solutions”?

    Clients opening an account with EBank are given a choice of two product sets, namely the EBank Easy Solution (“Easy Solution”), comprising a transaction and linked savings account(s) subject to specific limits and conditions, or the EBank Smart Solution (“Smart Solution”), comprising a transaction and linked savings account(s) with less stringent limits and conditions. The EBank Easy Solution and the EBank Smart Solution are jointly referred to as your “Solution”.


    4.2 What is the EBank transaction account?

    The transaction account acts as a payment facilitator and provides access to funds on demand and in real-time. The key features of the account are:


    4.3 What is the EBank savings account?

    EBank clients can choose whether or not to use the 32-day notice savings account and no monthly fees will be levied against this account. Money can be moved into the savings account via an EFT or a transfer from the transaction account but money can only be moved out of the savings account via the transaction account.


    4.4 What differentiates EBank Easy from EBank Smart?

    EBank offers two different solutions for individuals – EBank Easy and EBank Smart.

    EBank Easy can be self-originated on the mobile phone via short code or opened at an EBank Ambassador or Agent. The account has certain limits on it and is a ‘pay as you go’ solution – clients will not be charged a monthly fee, do not need a minimum balance but will be charged per transaction. The full suite of services and channels is available to EBank Easy clients.

    EBank Smart can only be set up at an Ambassador or Agent. The account has no limits (except for daily channel limits) and pricing is based on a fixed monthly free principle – all transactions are free. This solution will also offer higher interest rates on the linked savings accounts than EBank Easy.


    4.5 How do I create new accounts?

    Clients can create new savings accounts as an EBank Easy client as well as new transaction and savings accounts as an EBank Smart client. Any of the EBank channels – internet banking, cell phone banking or short code can be used to create accounts by simply going to the appropriate tab or menu option and selecting “open new account”.


    4.6 How do I name my accounts?

    All transaction and savings accounts can be personally named. EBank’s internet banking and cell phone banking (mobi site) can be used to name accounts by simply going to the appropriate tab or menu option and selecting “name account”.


    4.7 Can I get an EBank debit card?

    EBank will not be launching a debit card initially but will inform clients when this channel is available.


    4.8 Can I get a loan with EBank?

    Not for the initial period after launch. We will inform clients when loan products are available.


    4.9 Will EBank cater for my business banking requirements?

    EBank is in the process of developing a comprehensive business banking solution and will inform clients when this solution is available.

    5 EBank Channels


    5.1 How do I deposit and withdraw my money at EBank?

    Partner retailers will provide facilities that allow EBank clients to cash in (deposit) or cash out (withdraw) via cellphone or mobile internet banking sessions on the mobile phone. Clients would need to log onto their mobile phone and request an eight-digit ECode for cash in, cash out or payment. For cash in and cash out, clients will also need to specify the amount. The teller will then enter the unique ECode as well as the Dollar amount required. A printing facility will enable printing of receipts.

    ECodes can only be used once and are only valid for 15 minutes. ECodes are specific to the transaction type and amount specified.

    For a comprehensive list of our retail partners, please go to ebank.na.


    5.2 What is an ECode?

    An ECode is an eight-digit number to facilitate cash in, cash out or payments at an EBank retail partner. The ECode is requested either by dialling *140*140# or by logging onto mobi.ebank.na

    ECodes can only be used once and are only valid for 15 minutes. ECodes are specific to the transaction type and amount specified.


    5.3 How do I access EBank on my cellphone?

    Accessing EBank via the cellphone can be done in two ways:


    5.4 Can my Transaction be reversed and can I return items bought via EBank?

    Once an EBank transaction has been processed at a retailer, it cannot be reversed or voided. For assistance, call the Client Service Centre on 061 297 11 00.

    For returns, EBank retail partners will follow normal in store procedures.


    5.5 What are transaction and channel limits?

    For our clients’ safety, EBank has implemented a set of limits. At this point, these limits cannot be changed to suit individual requirements.

    Key Channel Limits
    Transaction Type
    EBank Easy EBank Smart
    Minimum Maximum Minimum Maximum
    Send money N$0.01 N$5 000.00 N$0.01 N$5 000.00
    Pay at Till N$1.00 N$5 000.00 N$1.00 N$10 000.00
    Cash in at a till point N$10.00 N$2 000.00 N$10.00 N$2 000.00
    Cash out at a till point N$10.00 N$2 000.00 N$10.00 N$2 000.00
    Airtime N$2.00 N$2 500.00 N$2.00 N$2 500.00
    Electricity N$5.00 N$2 500.00 N$5.00 N$2 500.00
    EFT/Debit Order N$10.00 N$5 000.00 N$0.01 N$500 000.00



    5.6 Does EBank provide internet banking?

    Yes – EBank provides free internet banking. To log in, clients will need to access www.ebank.na and use their mobile phone number and Secret PIN.

    EBank’s internet banking site will allow for typical features such as loading beneficiaries, making payments, viewing account statements, transferring money between accounts and changing personal settings. In addition, the EBank business banking website will cater for bulk payments and multiple user access.


    6 EBank Services


    6.1 What services does EBank provide?

    EBank offers the full suite of transaction services including:


    6.2 Can I use EBank services outside of Namibia?

    Not for the initial period after launch. We will inform clients when this service is available.

    7 Legal Matters


    7.1 What fees will EBank charge me?

    Key transactions are priced as follows:

    Transaction Type
    EBank Easy EBank Smart
    Monthly admin Free N$79.00
    Send money N$1.00 Free
    Pay retailer via mobile phone N$1.00 Free
    Cash in at a till point Free Free
    Cash out at a till point N$5.00 per transaction Free
    EFT in Free Free
    EFT out N$3.50 per transaction Free



    7.2 What are the limits on EBank Easy?

    Limits
    Transaction Account Savings Account
    Number of accounts per person: 1 per client 1 per client
    Geographical reach of account: Namibia Namibia
    Maximum account balance: N$10 000 N$10 000 per account
    Maximum daily debit transaction value: N$5 000 N$10 000 (client can only transfer to transaction account)
    Maximum monthly debit transaction value: N$ 20 000 No limit other than limitations on transaction account as client can only transfer to transaction account


    7.3 What are the limits on EBank Smart?

    Limits
    Transaction Account Savings Account
    Number of accounts per person: 5 per client 1 per transaction account
    Maximum account balance: Unlimited Unlimited
    Maximum daily debit transaction value: N$500 000 Unlimited


    7.4 What if I lose my cell phone?

    Clients can block their account if they lose their cell phone by dialling EBank’s Client Service Centre on 061 297 1100. Once the client has a new cell phone number, they can again call the Client Service Centre to change their EBank account onto their new cell phone number.


    7.5 What happens to my account if I die?

    As with any other bank account, the EBank client account will be closed, the proceeds will be paid into the estate late banking account and will be dealt with as part of the estate by the Executor/Administrator.


    8 Enabling Cookies on a Mobile Device


    8.1 Enabling cookies using the Android web browser



    8.2 Configuring Cookie Settings on OperaMini

    You can chose to allow all cookies to be stored on your computer, refuse all, or selectively allow certain cookies and certain types of cookies. To manage your cookie settings, select Settings > Preferences > Advanced > Cookies and select from the following options:

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    8.3 Enabling cookies using the Chrome for Android



    8.4 Enabling cookies using Safari for iOS (iPhone/iPad/iPod touch)



    8.5 Enabling cookies using BlackBerry browser



    8.6 Enabling cookies using Internet Explorer for Windows Phone



    9 Enabling Cookies on a Browser


    9.1 Microsoft Internet Explorer 8.0 - 10.0



    9.2 Firefox 7.0 and newer



    9.3 Firefox 3.0



    9.4 Google Chrome 5.0



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