• Accounts
  • Debit Cards
  • Foreign Exchange
  • Accounts


    Depending on the EBank Solution you selected, certain limits apply in respect of the value of the transactions you may make and the balance you may hold in your Transaction Account.

    The daily and monthly debit (spend) limits include the total value of any goods and services purchased, cash withdrawals made, monies transferred and debit orders paid.

    The maximum applicable limits on the Transaction Accounts are currently as follows (subject to available funds):

    Limit EBank Easy EBank Smart
    Daily debit spend N$5 000 N$500 000*
    Monthly debit spend N$20 000 No limit
    Account credit balance at any point in time N$10 000 No limit

    *This depicts the standard limit applicable, which limit may be increased, where applicable, upon your request and in our discretion.


    Please Note:

    • EBank can reject a transaction request if such transaction would result in a client exceeding the daily debit or monthly debit (spend) limit or if there are insufficient funds in the Transactional Account.
    • There is a maximum limit on the amount which may be held in the Transaction Account when you choose the EBank Easy solution. EFT credits and deposits to the EBank Easy solution are therefore limited by the maximum account credit balance at any point in time. EBank can reject an EFT credit request or deposit request if such credit would result in a client exceeding the permissible maximum account credit balance.
    • Cash-In at a till-point: Only cash can be deposited into your Transaction Account. No bank cards or cheques are accepted.

    The following transaction fees apply to the applicable EBank Solutions:
    Channel Transaction EBank Easy EBank Smart
    Monthly fee per transaction account N$0 N$89
    Fees Per Transaction
    EFT Transfer - Beneficiary - Bulk N$ 3.5 N$ 0
    Transfer - Beneficiary - Single - Recurring N$ 3.5 N$ 0
    Transfer - Beneficiary - Single - Non Recurring N$ 3.5 N$ 0
    EFT incoming N$ 0 N$ 0
    EFT rejected N$ 30 N$ 30
    Online (Internet banking, internet banking for mobile devices “Mobi” and Unstructured Supplementary Service Data (USSD) Transfer – Inter-account - Same Customer N$ 0 N$ 0
    Transfer – Inter-account - Other Customer N$ 3.5 N$ 0
    Transfer - Send Money N$ 1 N$ 0
    Payment – Electricity N$ 0 N$ 0
    Payment – Airtime N$ 0 N$ 0
    Debit order (EFT) N$ 3.5 N$ 0
    Stop order N$ 6 N$ 0
    Point of Sale Device Cash In (Deposit) N$ 0 N$ 0
    Cash Out (Withdrawal) N$ 5 N$ 0
    Payment N$ 1 N$ 0
    Retailer Transaction Cash in (Deposit) N$ 0 N$ 0
    Cash out (Withdrawal) N$ 5 N$ 0
    Payment N$ 1 N$ 0
    Overdraft Facility Initiation n/a n/a
    Annual facility n/a n/a
    Self Service Mini Statement N$ 0 N$ 0
    Account Details - View N$ 0 N$ 0
    Change mobile pin N$ 0 N$ 0
    Email/Print Statements N$ 0 N$ 0
    Beneficiaries - Add/Update/Remove N$ 0 N$ 0
    Obtain proof of banking details N$ 0 N$ 0




    Client Service Centre Inbound EFT with credit reversal N$ 9 N$ 9
    Unpaid debit order N$ 30 N$ 30
    Unpaid recurring beneficiary payment N$ 15 N$ 15
    Issue certificates (TAX/VAT/Income/Withholding tax) N$ 9 N$ 9
    Resolve Incorrect Payments/Transfers N$ 0 N$ 0
    Email/Print Statements N$ 4 N$ 4
    Send proof of banking details N$ 9 N$ 9
    Block account N$ 0 N$ 0
    unBlock account N$ 0 N$ 0
    Change member details N$ 3 N$ 3
    Change member mobile phone details N$ 4 N$ 4
    Reset mobile pin N$ 0 N$ 0
    Cards Card Replacement n/a n/a
    Card Issuing n/a n/a
    Reset pin n/a n/a

    * Service currently not available. Fee and Limits will apply when the service becomes available.

    Any stamp duty on debit entries levied against the client’s Transaction or Savings Account in terms of the Stamp Duties Act, will be recovered from the client and will be paid over to the Receiver of Revenue.

    Interest Rates
    Account Name Min Amount on which interest can be Earned Rate as at April 2016
    EBank Easy 32-day notice savings Account N$10.00 3.5%
    EBank Smart 32-day notice savings Account N$10.00 4.5%

    Debit Cards

    EBank Card Transaction Limits
    Account Type to which Card is linked:
    EBank Easy
    EBank Smart
    Card Type linked to Account:
    EBank Easy Debit Card
    EBank Easy Debit Card
    EBank Smart Debit Card
    Purchase at Point of Sale
    Min. amount per transaction: localN$ 5.00N$ 5.00N$ 5.00
    Min. amount per transaction: internationaln/an/aN$ 5.00
    Max. amount per transaction: localN$5 000N$10 000 N$ 15 000
    Max. amount per transaction: internationaln/an/a N$ 30 000
    Max. amount per day: localN$5 000N$10 000 N$ 15 000
    Max. amount per day: internationaln/an/a N$ 30 000
    Withdrawal at ATM
    Min. amount per transaction: localN$ 10.00N$ 10.00N$ 10.00
    Min. amount per transaction: internationaln/an/aN$ 10.00
    Max. amount per transaction: local N$ 2 000 N$ 2 000 N$ 2 000
    Max. amount per transaction: internationaln/an/a N$ 5 000
    Max. amount per day: local N$ 2 000 N$ 2 000 N$ 2 000
    Max. amount per day: internationaln/an/a N$ 5 000



    EBank Card Fees
    Account Type to which Card is linked:
    EBank Easy
    EBank Smart
    Card Type linked to Account:
    EBank Easy Debit Card
    EBank Easy Debit Card
    EBank Smart Debit Card
    Card Fees
    Monthly Card FeeN$ 0.00N$ 0.00N$ 0.00
    Annual Card FeeN$ 0.00N$ 100.00N$ 100.00
    Transaction Fees
    Location of TransactionNamibiaNamibiaNamibiaInternational
    ATM Withdrawal for amount:
    N$ 0 - N$ 500N$ 8.00N$ 8.00N$ 8.00N$25.00 + 2.5% of withdrawal amount
    N$ 501 - N$ 1 000N$ 12.00N$ 12.00N$ 12.00
    N$ 1 001 - N$ 1 500N$ 16.00N$ 16.00N$ 16.00
    N$ 1 501 - N$ 2 000N$ 20.00N$ 20.00N$ 20.00
    Balance Enquiry at ATMN$ 3.00N$ 3.00N$ 3.00N$ 5.00
    Purchase at POSN$ 3.50N$ 0.00N$ 0.00N$5.00 + 2.5% of purchase amount
    Exception Fees
    Invalid PIN EnteredN$ 3.00N$ 3.00N$ 3.00N$ 5.00
    Invalid PIN Entered and PIN tries exceededN$ 5.00N$ 5.00N$ 5.00N$ 5.00
    Invalid PIN Entered and PIN tries exceeded and card captured by ATMN$ 8.00N$ 8.00N$ 8.00N$ 8.00
    Transaction requested with Expired Card and card captured by ATMN$ 3.00N$ 3.00N$ 3.00N$ 5.00
    Invalid TransactionN$ 4.00N$ 4.00N$ 4.00N$ 5.00
    Insufficient Funds for TransactionN$ 4.00N$ 4.00N$ 4.00N$ 5.00
    Daily Transaction Limit ExceedsN$ 4.00N$ 4.00N$ 4.00N$ 5.00
    Transaction cancelled by UserN$ 3.00N$ 3.00N$ 3.00N$ 5.00

    Foreign Exchange


    Administration fees:
    N$ 1.5% of amount
    Minimum: 100.00
    Maximum: 750.00

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