Namibia ATM withdrawal fees: eWallet, card, off-network
ATM fees in Namibia split into three scenarios: cardless eWallet draw (per wallet), card draw at your own bank's ATM (often free), card draw off-network (Saswitch). The numbers below come from the BoN 2025/2026 report.
Cardless eWallet withdrawal
The typical scenario: the eWallet recipient enters their cellphone number and PIN at the ATM. Fees: N$14 (FNB), N$10.50 (Bank Windhoek), N$0 (Standard Bank at its own ATMs). No plastic card required.
Card withdrawal at your own bank's ATM
If you bank with the same institution as the ATM you use, the card withdrawal is generally free or modest (~N$3-N$6 across most Namibian banks per the BoN report). Check your statement: some 'gold' account packages include a free monthly quota, others charge from the first transaction.
Off-network card withdrawal (Saswitch)
When you use bank A's card at bank B's ATM, you pay an off-network fee ('Saswitch fee') of about N$10-N$15 depending on the bank, ON TOP of the usual withdrawal fee. It's the most expensive scenario — avoid it when you can route to your own bank's ATM.