National Bank of Samoa review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
National Bank of Samoa suits Samoan savers and borrowers who want a straightforward bank run on local terms, with an easy-access savings account paying 1.5% and a small fixed-rate loan of WST 300 to WST 3,000. The offer scores 2.2 on the site, well below the 3% median.
Key facts
- Best for
- A local easy-access account and a small fixed-rate loan in Samoa.
- Headline rate
- 1.5%↗
- Rate type
- Variable↗
- Term
- 6 to 12 months↗
- Minimum deposit
- WST 20↗
- Access terms
- passbook, ATM Gold Card, 24/7 online banking, no overdraft fees↗
- Monthly fee
- WST 1.50↗
- Account kind
- Easy access↗
- Legal entity
- National Bank of Samoa Ltd↗
- Headquarters
- Samoa↗
- Founded
- 1982 to 1996↗
- Support channels
- Email, Phone↗
- Pricing model
- Fixed rate
- Official website
- nbsamoa.com
Loans
Apps and profiles
- Elsewhere
- m.facebook.com
Pros and cons
Pros
- The small loan is arranged directly with a direct lender and carries an arrangement fee of 0.
- Access costs nothing extra: a passbook, an ATM Gold Card, round the clock online banking and no overdraft fees.
- Borrowing runs WST 300 to WST 3,000 over 6 to 12 at a fixed rate rate, so the commitment stays short.
Cons
- The headline rate of 1.5% is well under the site median of 3% for savings.
- The savings account charges a monthly fee of WST 1.50 on top of a WST 20 minimum deposit.
- Borrowing is limited to WST 300 to WST 3,000 over 6 to 12, and the listed use is home improvement.
Who it suits
- Samoan savers who want an easy access balance managed with a passbook and an ATM card
- Adults who meet At least 18 years old and need WST 300 to WST 3,000 for home improvement
- Customers who prefer bank channels to app-first providers, with email and phone support
Who should look elsewhere
- Rate chasers, since Wise pays 3.29% and bunq 3.01% on their savings
- Savers who shop on range, as Finteres advertises 0% to 36% where this bank pays 1.5%
- Borrowers after larger sums, since the loan stops at WST 300 to WST 3,000
How National Bank of Samoa compares
9.2 vs 8.0
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.5
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 9.3
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0- 9.2 vs 8.0
9.2 vs 9.0
9.2 vs 8.6
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4- 9.2 vs 8.0
9.2 vs 9.0
Where National Bank of Samoa is available
- Available
- Samoa
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the savings account pay?+
The account pays a headline rate of 1.5% and the rate type is variable, so it moves with the bank rather than being locked for a set period. The site median for savings is 3%, which leaves this offer below the middle of the market.
What does it cost to hold the account?+
There is a monthly fee of WST 1.50 on the savings account, and that is the main ongoing cost for a holder. The minimum deposit is WST 20, so the entry point stays low for a first account.
How do I pay money in and take it out?+
A passbook, an ATM Gold Card and round the clock online banking all reach the same balance. The account kind is easy access, and the bank charges no overdraft fees when money is drawn beyond the balance.
Who can open the account?+
The bank serves customers in Samoa, and lending is limited to applicants who satisfy its age rule of At least 18 years old. The savings minimum deposit of WST 20 keeps the opening balance modest.
What can I borrow and for how long?+
The small loan runs WST 300 to WST 3,000 over 6 to 12 on a fixed rate basis, arranged straight with the bank rather than through a broker. The loan types on offer cover personal, secured and credit line.
What is the loan intended for?+
The listed purpose for borrowing is home improvement, which is the only use stated. The bank is a direct lender, so the money comes from National Bank of Samoa itself rather than a marketplace.
Which card comes with the account?+
The card offered is a debit card on the mastercard network, which covers everyday spending and cash withdrawals. The ATM Gold Card and round the clock online banking handle the rest of the access routes.
How do I reach someone for help?+
Support runs on email and phone, so questions go by phone or email. Branch style access is part of the offer too, with a passbook and an ATM card available to account holders.
Sources
- en.wikipedia.org/wiki/National_Bank_of_Samoa checked September 26, 2026
Backs: Headquarters, Legal entity
“Headquarters Apia, Samoa”
- nbsamoa.com/about-us checked September 26, 2026
Backs: Founded
“We have been locally owned and operated in Samoa since 1982 / The bank officially opened its doors as the National Bank of Samoa Ltd on 11 December 1996”
- nbsamoa.com/debit-cards checked September 26, 2026
Backs: Card type, Card network
“nbs Debit Mastercard”
- nbsamoa.com/personal-loans-account checked September 26, 2026
Backs: Eligibility, Loan types, Use cases
“For example, you usually need to be at least 18 years old to open a checking account”
- nbsamoa.com/savord-savings checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Monthly fee, Rate type, Support channels
“passbook; ATM Gold Card; 24/7 online banking; no overdraft fees”
- nbsamoa.com/small-loan checked September 26, 2026
Backs: Loan amount, Lender type, Pricing model, Arrangement fee, Origination fee (%), Term
“Amount: Minimum $300 | Maximum $3,000”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
National Bank of Samoa
A local easy-access account and a small fixed-rate loan in Samoa.