Bank Windhoek review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bank Windhoek is a practical choice for people who want a Visa debit card and can accommodate a monthly charge. Its NAD 7.12 monthly fee makes cost the main trade-off, so check that fee against your spending before choosing it over a free alternative.
Key facts
Loans
- Lender type
- Direct lender↗
Facts checked September 26, 2026, 5 sources
Pros and cons
Pros
- The card uses the visa network.
- It is a straightforward debit card.
- Bank Windhoek was established in 1982.
- The legal entity is Bank Windhoek Limited.
Cons
- The debit card has a monthly fee of NAD 7.12.
- Currency conversion costs 2.2%, which may make foreign spending costly.
- Support runs through email and help centre only.
Who it suits
- Bank Windhoek customers who prefer the visa network.
- People comfortable paying a monthly fee of NAD 7.12 for their debit card.
- Customers who are comfortable using email and help centre for support.
Who should look elsewhere
- Wise if avoiding a monthly charge is your priority, since its monthly fee is £0.
- bunq if you prefer a free personal plan, since its monthly fee is €0.
- Varo Believe Secured Credit Card if you specifically want a secured credit card rather than a debit card.
Fees and FX
Bank Windhoek's debit card has a monthly fee of NAD 7.12. Currency conversions cost 2.2%, which deserves particular attention if you often spend in another currency. The monthly charge is the regular cost of keeping and using the card, while the conversion fee applies when the card is used for currency conversion.
The company behind it
Bank Windhoek operates as Bank Windhoek Limited and was established in 1982. Customer support is available through email and help centre. The business is therefore a long-established banking provider, with email and a help centre forming the stated support options for customers using its services.
How Bank Windhoek compares
9.0 vs 9.4
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9.0 vs 8.0- 9.0 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 the Bank Windhoek debit card cost each month?+
The monthly fee is NAD 7.12. It applies to the Bank Windhoek debit card, so compare this regular charge with its everyday card use and with alternatives that charge £0.
What does it cost to use the card for currency conversion?+
The currency conversion fee is 2.2%. This charge matters most if you use the card outside its home currency, since it is separate from the monthly fee of NAD 7.12.
What kind of card does Bank Windhoek offer?+
The card is a debit card and uses the visa network. It is therefore positioned as an everyday payment card linked to a bank account rather than a credit card.
Which regulator supervises Bank Windhoek?+
Bank Windhoek Limited is supervised by the Bank of Namibia in Namibia. Its legal entity is Bank Windhoek Limited, and the bank is a direct lender for its relevant lending activities.
How long has Bank Windhoek operated?+
Bank Windhoek Limited was established in 1982. The business is a bank rather than a standalone card technology provider, and its card is a debit product.
How can you contact Bank Windhoek support?+
Customer support is available through email and help centre. A help centre and email may suit routine questions, but the stated support options do not include a phone channel.
Is Bank Windhoek a direct lender?+
Bank Windhoek is listed as a direct lender. This means relevant borrowing is provided directly by the bank rather than arranged through a broker or marketplace.
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”
- bankwindhoek.com.na/Pages/Corporate-and-Institutional/Hom... checked September 26, 2026
Backs: Lender type
“Personal, Business and Corporate Banking”
- 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 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Bank Windhoek
Bank Windhoek customers who want a Visa debit card and can accommodate its monthly fee.