Namibia mobile money: comparing FNB, Standard Bank, Bank Windhoek, MTC
Namibia has four active wallets: FNB eWallet (the leader), Standard Bank Blue Wallet, Bank Windhoek EasyWallet and MTC PayToday. Comparison based on the Bank of Namibia's Banking Fees and Charges Report 2025/2026.
At-a-glance comparison
| Wallet | Bank / operator | Cellphone send | ATM withdrawal | Daily cap |
|---|---|---|---|---|
| eWallet | FNB Namibia | N$10 | N$14 | N$5,000 |
| Blue Wallet | Standard Bank Namibia | N$8.50 | Free (own ATM) | N$5,000 |
| EasyWallet | Bank Windhoek | N$9 | N$10.50 | N$5,000 |
| PayToday | Mobile Telecommunications (MTC) | Check with operator | Check | — |
Sources: FNB Namibia Pricing Guide 2025/2026, and Bank of Namibia — Banking Fees and Charges Comparison Report 2025/2026.
Picking in practice
- Maximum coverage — FNB eWallet. More ATMs than any other bank; near-certain your recipient finds one.
- Cheapest total — Standard Bank Blue Wallet, IF the recipient is near a Standard Bank ATM (N$8.50 + N$0 = N$8.50 total).
- If the recipient already banks with a specific bank — use that bank's wallet (native app integration, possibly a higher cap).
- MTC PayToday — more relevant for merchant pay and recharge than for cellphone sends; verify the tariff at the outlet before transacting.
Why we cite the BoN report
The Bank of Namibia publishes an annual Banking Fees and Charges Comparison Report listing, by bank and by scenario (transaction account, ATM, eWallet, EFT, NamPay), the fees actually charged. It is the most reliable public source for comparing Namibian banking wallets — more reliable than an operator marketing page that can omit ancillary fees.
Direct link: bon.com.na → Payment System Modernisation → Banking Fees and Charges.