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Parkside

First National Bank of Namibia LTD
C/O Fidel Castro & Independence Ave
Box 195, Windhoek
Tel: 061 2992111
infonam@fnbnamibia.co.na

The Parkside branch also services RMB, Homeloans and WesBank clients.

RMB Namibia Tel: 061 2992340

RMB Corporate Banking
Tel: 061 2998446
infonam@fnbnamibia.com.na

WesBank
C/O Fidel Castro & Independence Ave
Box 195, Windhoek
Tel: 061 2992437
wesbank@fnbnamibia.com.na

Homeloans
C/O Fidel Castro & Independence Ave
Box 2150, Windhoek
Tel: 061 2992523 / 061 2992524
bonds@fnbnamibia.com.na

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Private Clients

C/O /Fidel Castro & Independence Ave
First Floor
Box 285, Windhoek
Tel: 061 2992838

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Grove Mall

C/O Chasie & Frankie Fredericks St, Ground Floor
Shop 44, The Grove Mall shopping centre
Box 35387, Kleine Kuppe, Windhoek
Tel:061 2992222

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Southern Industrial Area

P/Bag 5177, Ausspannplatz
info@fnbnamibia.com.na

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John Meinert

C/O Independence Ave & John Meinert St
Box 23043, Windhoek
Tel: 061 299 2222

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Prosperita

110 Nickel St, Prosperita
Box 285, Windhoek
el: 061 2992222

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Contact Centre
C/O Fidel Castro & Independence Ave
Box 285, Windhoek
el: 061 2992222

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Katutura

Pick n Pay Complex, Independence
Katutura
Box 62207, Katutura, Windhoek
Tel: 061 2992222
fnbkatutura@fnbnamibia.com.na

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Northern Industrial

16 Nguni St, Northern Industrial Area
Box 23043
Tel: 061 299 2222

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Private Wealth
C/O Fidel Castro & Independence Ave
Ground Floor
Box 285, Windhoek
Tel: 061 2998447

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Windhoek

207 Independence Ave, Windhoek
Box 285, Windhoek
Tel: 061 299 2222

Bureau de Change
207 Independence Ave, Windhoek
Box 285, Windhoek
Tel: 061 299 2222

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Aranos

First National Bank of Namibia LTD
17 Main St, Box 91 Aranos
Tel: 061 299 2222

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Eenhana

First National Bank of Namibia LTD
BH Complex Main Rd, Box 13407 Eenhana
Tel: 061 299 2222

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Gobasis

First National Bank of Namibia LTD
44 Church St, Box 14 Gobabis
Tel: 061 299 2222

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Grootfontein

First National Bank of Namibia LTD
Hage Geingob Ave, Box 30 Grootfontein
Tel: 061 2992222

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Henties Bay

First National Bank of Namibia LTD
C/O Jakkalsputz & Duineweg, Box 447 Henties Bay
Tel: 061 299 2222

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Karasburg

First National Bank of Namibia LTD
79 Main St
Tel: 063 270012
Fax: 063 270079

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Karibib

First National Bank of Namibia LTD
Main St Hidipo Hamutenya, Box 24 Karibib
Tel: 061 299 2222

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Katima Mulilo

First National Bank of Namibia LTD
Hage Geingob Drive, Erf 329 Katima Mulilo
Tel: 061 299 2222

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Keetmanshoop

First National Bank of Namibia LTD
76 Hampie Plichta Ave, Box 77 Keetmanshoop
Tel: 061 299 2222

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Luderitz

First National Bank of Namibia LTD
12 Bismarck St, Box 10 Luderitz
Tel: 061 299 2222

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Mariental

First National Bank of Namibia LTD
Erf 280 Dr Sam Nujoma Ave, Box 131 Mariental
Tel: 061 299 2222

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Nkurenkuru

First National Bank of Namibia LTD
Nkurenkuru Shopping Mall, Main Rd
Tel: 061 299 2222

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Okahao

First National Bank of Namibia LTD
Okahao-Tsandi main Road, Box 42 Okahao
Tel: 061 299 2222

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Okahandja

First National Bank of Namibia LTD
Shop 16, Okahandja Shopping Mall, Box 140
Tel: 061 299 2222

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Okakarara

First National Bank of Namibia LTD
89 John Tjikuua St, Box 212 Okakarara
Tel: 061 299 2222

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Okongo

First National Bank of Namibia LTD
Room no 16, Okongo Complex, Box 15216 Okongo
Tel: 061 299 2222

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Omuthiya

First National Bank of Namibia LTD
Omuthiya Shopping Centre, Shop no 10 Main Road Omuthiya
Box 19281 Omuthiya
Tel: 061 299 2222

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Ondangwa

First National Bank of Namibia LTD
37 Main Rd, First City Centre
Box 42, Ondangwa
Tel: 061 299 2222

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Ongwendiva

First National Bank of Namibia LTD
Tel: 061 299 2222
Area Office

Ongwediva
Shop 28-32, Oshana Mall, Main Road,
Tel: 061 299 2222
Box 3321,
Tel: 061 299 2222

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Opuwo

First National Bank of Namibia LTD
NDC Park 1, Main Road, P/Bag 3008 Opuwo
Tel: 061 299 2222

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Oranjemund

First National Bank of Namibia LTD
8th Avenue, Box 204 Oranjemund
Tel: 061 299 2222

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Oshakati

Oshakati Game
Game Shopping Complex, King Mandume Road
P/Bag 5510, Oshakati
Tel: 061 299 2222

First National Bank of Namibia LTD
Erf 272, Okatana, Main Road
P/Bag 5510, Oshakati
Tel: 061 299 2222

FNB Insurance Brokers Namibia (PTY) LTD
Office No 8, Oshakati Complex
Tel: 061 299 2222

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Otavi

First National Bank of Namibia LTD
No 13, Unie St, Box 81 Otavi
Tel: 061 299 2222

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Otjiwarongo

First National Bank of Namibia LTD
7 George St, Box 64 Otjiwarongo
Tel: 061 299 2222

Otjiwarongo Midway Agency
Hage Geingob St, Spar Complex, Shop no 2
Tel: 061 299 2222
Box 64 Otjiwarongo

Central North Area Office
196 Hage Geingob St, Box 2047 Otjiwarongo
Tel: 061 299 2222
Fax: 067 308805

FNB Insurance Brokers Namibia (PTY) LTD
44 Hage Geingob St, Box 667 Otjiwarongo
Tel: 061 299 2222
Fax: 067304438

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Outapi

First National Bank of Namibia LTD
Tsandi, Main Road, Box 35 Outapi
Tel: 061 299 2222

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Outjo

First National Bank of Namibia LTD
Erf 29, Shop 7, President Ave, Outjo Park, Box 16 Outjo
Tel: 061 299 2222

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Rehoboth

First National Bank of Namibia LTD
Erf 1, C/O Church & Bahnhoff, Block B, P/Bag 1008 Rehoboth
Tel: 061 299 2222

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Rosh Pinah

First National Bank of Namibia LTD
2 Lood St, Box 418 Rosh Pinah
Tel: 061 299 2222

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Rundu

First National Bank of Namibia LTD
Maria Mwengere Street
Box 149 Rundu
Tel: 061 299 2222

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Swakopmund

First National Bank of Namibia LTD
16 Tobias Hainyeko St, Box 1 Swakopmund
Tel: 061 299 2222

Mondesa
1040 C/O Independence & Mandume Ndemufayo Ave
Mondesa, Box

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Tsumeb

First National Bank of Namibia LTD
74A Presidents Ave, Box 251 Tsumeb
Tel: 061 299 2222

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Walvis Bay

First National Bank of Namibia LTD
138 Sam Nujoma Ave, Box1 Walvisbay
Tel: 061 299 2222

Kuisebmond
Shop 4& 5 Nataniel Mauxuilili Service Centre
Kuiseb Mall, Kuisebmond, Box 1819 Kuisebmond
Tel: 061 299 2222
Fax: 064 280501

WesBank Finance
No 5, 11 Road, Walvisbay
Box 2941, Windhoek
Tel: 061 299 2222
Fax: 064 203409

FNB Insurance Brokers Namibia (PTY) LTD
116 6 St, Box 1640 Walvis Bay
Tel: 061 299 2222
FNB Insurance Brokers complaints
fnbibcomplaints@fnbnamibia

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Klein Windhoek

No 9 Eaton Heights, Bassingthweighte St
Klein Windhoek
Box 285, Windhoek
Tel: 061 2992222

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Maerua Mall

1st Floor, Shop no 37
Maerua Mall Shopping Centre
Tel: 061 299 2222

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News + insights

News Housing index

Who should undergo an estate planning exercise?


Thorough estate planning could benefit anyone. However, if you have growing wealth or own your own business, you should definitely look into speaking to an expert in the field. FNB Trust Services can assist with this. We have a number of estate planning experts on our staff, suitably qualified in law, taxation and financial planning.

What should a will contain?


In brief, a will should contain the following:

  • The identity (full names) of the person whose will it is
  • The beneficiaries of the estate and the inheritance each is to receive
  • It may contain a clause for the setting up of a trust (for example if beneficiaries are under the age of 21) and details regarding the powers of trustees
  • There could be a clause where you nominate someone to act as a guardian to a minor child
  • A will can be used to protect an inheritance from the legal ramifications of a particular type of marriage
  • The name of someone or a particular institution nominated as executor. It may also nominate someone as trustee
  • The will may also state that the executor is exempt from providing security - in the form of an insurance policy - for the value of the assets in the estate

Who should sign the will?


You, being the Testator (male) or Testatrix (female), need to sign each page of the will, together with two witnesses. Any alteration also needs to be signed in this manner. The place and date of signing must be written in at the end of the document.

How important is it to appoint alternate heirs?


It is always wise to include alternate heirs in your will. If you do not nominate alternate heirs, your intestate heirs (nearest blood relatives) will inherit your estate.

When should I review my will?


Your will should be reviewed periodically, especially when there has been any change in your status or circumstances, or those of your beneficiaries, such as marriage, divorce, the birth of a child, etc. Another good time to review your will would be after any changes in legislation that could affect your estate.

What do I need to tell others?


In order to ensure that the wishes expressed in your will are put into effect at the time of your death, your family and friends should know the following:

  • Whom you have nominated as your executor
  • That your executor should be notified immediately in the event of your death
  • The whereabouts of your will (FNB Trust Services can hold the original document for you for a small annual fee)
  • Your wishes regarding funeral arrangements
  • Whom to contact if you wish to donate organs or tissues

Should I draft my own will?


You should always seek expert and professional advice when you want to draft or review your will. Attempting to draft the will yourself could result in the will being invalid, or could cause unintended consequences due to incorrect wording used.

What else do I need to know?


Should you want to donate your organs, you will need to take out a Living will. This is different to the will discussed here.

Will the way in which I choose to marry have an impact on my estate?


Yes. If you get married in community of property, all assets are jointly owned by both husband and wife. This means that you cannot leave an asset in full to someone other than your spouse, since you only own half the asset. With cash this is not much of a problem, but the executor will have great difficulty in dealing with something like a house. Similarly, both spouses are liable for the debts of each other. Marriage out of community of property offers far better estate planning opportunities. An ante nuptial contract (ANC) may be used to secure certain assets for a spouse and also protect personal assets against debt - such as in the case where one of the spouses has a business.

What happens if we are not married but are living together?


There is little legal protection for a partner in the event of the relationship ending. There is a need for people involved in such relationships to carry out careful and thorough planning of their estates. The advice of an estate planner should be sought in this regard.

How will my estate be affected if I'm divorced?


If you are liable of maintenance in terms of your Divorce Order, you should put in place a special plan to meet this obligation. Otherwise, your estate will probably face a major claim for a lump sum for this maintenance need. It is also crucial to have a new Will drafted as soon as you get divorced.

What happens if I have a child outside of marriage or adopt a child?


Namibian law no longer distinguishes between children born within marriage, those born outside of marriage, and those adopted. If you wish to treat such children differently in terms of inheritances, your will should be drafted accordingly.

When should I consider setting up a trust?


Where children could inherit while under the age of 21, your will should make provision for a trust to be set up to house the inheritance. If the inheritance consists of a reasonably substantial amount, the opportunity for growth in the capital value of the inheritance, as well as for flexible use of the funds, is far greater if a trust holds the inheritance than if it is paid over to the Guardian's Fund.

If I don't have a will, will my children inherit from me when I die?


This will depend on whether you are married or not. If you are married, your spouse is entitled to a minimum of N$50 000.00 of the estate. If the value of the estate is greater than this amount, whatever remains will be shared equally among the spouse and your children.

If I get divorced, but don't remarry, must I change my will?


Many people don't realise that the law will uphold a will leaving assets to a former spouse, despite the fact that the couple may have got divorced. If you don't amend your will within three months of getting divorced, your former spouse will inherit from you.

My spouse and I are married in terms of Hindu/Muslim religious law only, will we inherit each other's assets?


Namibian law does not fully recognise your marriage. Unless you have a will that names your spouse as a beneficiary, they will not be entitled to any of your assets. The same applies to heterosexual couples living together and same-sex unions.

Why estate planning


  • The ultimate goal of estate planning is to devise a holistic plan for an individual's life and affairs
  • Many estates lack sufficient available cash to settle debts. This may result in hardships for family members who will either have to provide cash themselves or agree to the sale of other assets to generate the cash needed
  • Ongoing planning for liquidity needs of an estate is a vital element of estate planning
  • If you have a business, estate planning also considers issues such as how a business is structured, whether business creditors could attach personal assets, tax ramifications for one's personal affairs, etc.

Importance of a will


Why is it important to have a will?

If a person dies without leaving a will, or if the will is not valid for any reason, the beneficiaries will be determined according to legislation - the Law of Intestate Succession. Essentially, the law determines who the closest blood relatives are and distributes the assets in terms of this.

Each situation will be different, but the important point to note is that a family member you may never have chosen to inherit from you could end up with all your assets. In addition, if you live with someone, but aren't married to the person, the law will not recognise your so-called 'common-law spouse' as the beneficiary of your estate if you haven't left a will naming them as beneficiary.

Insure your future


By drafting a will and planning for the future of your estate you ensure that

  • You protect the inheritance of children under 21
  • Your wishes are carried out
  • If you own a business, family remains protected against your debt liability
  • You can update your will at any time
  • Your Will is recognised by law as the expression of your wishes
  • You save on estate duty as a result of proper planning

Qualifying criteria


16 years and older

Drafting wills


Our will drafting service is offered free of charge


There are many reasons to draft or update a will, but estate planning is particularly important.

Why estate planning


Devise a holistic plan


The ultimate goal of estate planning is to devise a holistic plan for an individual's life and affairs

What a will is


Directions on how to divide your assets


A will is a written instrument containing directions on how the assets of the person making the will shall be divided on his/her death. The will must be executed in accordance with the laws of the country in which the person making the will resides.

Why you need a will


Let your wishes be known


Factors to remember


Getting it made easy