. Platinum Lifestyle Account - Lifestyle accounts - FNB

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FNB Banking App

With the FNB Banking App, you can do all this and more:

  • Make Geo Payments
  • Make use of eWallet functionality*
  • Make Payments (including once off payments)
  • Transfer funds
  • View detailed balances and transaction histories
  • Add, edit, or delete recipients
  • Send Money to any Namibian cellphone number
  • Make calls and send messages to other App Smartphones
  • Locate FNB ATMs and branches
  • Access an FNB Call Centre Directory
  • Buy Prepaid Electricity and Airtime
  • Receive inContact messages

Online Banking

Online Banking offers the following banking services:

  • Transfer funds real-time between your FNB accounts
  • Make real-time payments to FNB account holders
  • Payments made during business hours to recipients holding accounts at other banks reflect in the account the next day
  • Create recurring payments to automatically pay your recipients
  • Make cross-border payments
  • Future date payments to up to one year in advance
  • Submit requests to stop cheques
  • Set up and maintain your recipients
  • Send a payment advice to any email address
  • Reference validation
  • View the real-time balances of all your FNB accounts
  • View up to 65 days of transaction history on certain accounts
  • View any uncleared funds and interest earned on certain accounts
  • Manage your investment accounts
  • Set up statements delivery online
  • You can view and download transaction history real-time

Cellphone Banking

Cellphone Banking enables you to conveniently perform a number of banking transactions using your cellphone. Use your cellphone is more that just a phone as a device to do safe, easy and convenient mobile banking.

  • It's as simple as dialling *120*321#
  • Any cellphone make or model can be used
  • No special SIM card requirements
  • No complicated downloads
  • No changes to your cellphone settings
  • 24-hour banking convenience - you can bank wherever you are, whenever you want
  • Transactions occur real time
  • Registration is quick and free
  • Zero subscription fees


This innovative messaging system sends you a message each time a transaction is carried out on any of your FNB accounts at no extra charge.

  • You can keep track of your financial transactions as they occur
  • Identify any unauthorised transactions on your accounts
  • Receive notification each time your Online Banking account is logged into
  • Helps you to manage the funds in your accounts

Flexible - you can choose:

  • When to receive your messages - during office hours or 24 hours a day
  • To be notified if any transactions exceed an amount specified by you
  • How to receive notifications - via SMS, email or both
  • Which accounts you want to link to inContact

Email statements

Online Banking now offers you the ability to have your statements emailed directly to you - just think of the convenience!

  • You save money - statement delivery by email is free of charge.
  • No delays in the post - your email delivery is punctual and reliable.
  • You can have your statements delivered to a primary email address, plus two additional email addresses of your choice.
  • You can specify in which format you'd prefer your statements delivered - in plain text (CSV), as a PDF document or both (account dependent).

Get rewarded

Getting rewarded is easy with Rewards from FNB. You'll get cash back paid into your free linked Savings Pocket every month. You can save your money and earn great interest, or spend it on whatever you need, whenever you want!

Visit FNB Rewards

Get an overdraft

The facility is available on application, for Platinum Lifestyle Account customers.

The benefits

  • An overdraft is a short-term financial solution ideal for covering unforeseen expenses
  • There is no minimum monthly repayment required, as long as you remain within your agreed limit and make regular deposits (such as your salary) into your Platinum Lifestyle Account every month
  • An overdraft is a fluctuating facility which reduces with your monthly deposits, and is immediately available again, up to the approved limit
  • Your overdraft will be reviewed on an annual basis
  • Credit fees will be provided upon application

The cost

  • Interest is charged monthly on your overdraft balance
  • The interest rate will be calculated for you, once your application has been submitted
  • The amount you qualify for, as well as the interest rate, will depend on your credit profile
  • You only pay interest on the amount you use, for the period it is used

Note that you'll be required to make monthly deposits into your account

Let us help you reach your goals

Enjoy easy access to your savings any time.

Visit Savings & Investments

Platinum Lifestyle Account

Helping you realise your aspirations

Banking with Platinum offers you exclusive value every time you swipe.
Earn rewards that never expire!
Get dedicated service from a team of Platinum bankers
Earn between N$360 000 and N$749 999 per annum

  • Value you can bank on

  • Access to a team of Dedicated Bankers
  • Two Airport Lounge visits per month to SLOW
    Lounge South Africa
  • Automatic access to FNB Rewards where you can
    earn up to N$460 cash back per month
  • Banking on the go with the FNB Banking App,
    Online Banking and Cellphone Banking

What's hot

Your key to world-class banking


Do your banking on our digital channels. Enjoy features like payments, transfers, eWallet, Split Bill, GEO payments, and more - all on the app and when banking online.


Access Smart inContact, activate cards, set limits, report fraud, Fingerprint ID and more.


Buy prepaid airtime and prepaid electricity.

Get rewarded

Lifestyle benefits

FNB Rewards

Earn up to N$460 cash back every month on your spending

  • Earn up to 2% cash back on credit card swipes and 0.25% cash back on debit card swipes
  • Earn up to 10% cash back on credit card fuel swipes
  • Earn up to 10% cash back on airtime

SLOW Lounge
Enjoy up to two visits per month to the SLOW Lounge South Africa.

For more on how you can get rewarded, visit FNB Rewards

Access to credit

Our range of financing solutions

Whether you need to get hold of extra cash for unexpected expenses, our team is here to make it easy for you.

Personal Loan

An unsecured credit solution that offers you the ability to determine your own loan amount.

Revolving Loan

Flexible credit for those purchases you want to pay off over time.

Temp Loan

Instant credit when you need it most which you can pay back with your next deposit.

Get an overdraft

The overdraft facility can help you address any immediate borrowing needs.

Read more



Let us help you reach your goals

Start investing today

It's never too early to start investing and building that nest egg of funds to set you up for life. Platinum Banking gives you access to a whole range of investments.

Full range of investments
Giving you the choice of how much and how flexible you need to be in your investment.

For more information, visit our Savings & Investments section

Grow your balance

Savings Pocket and Bank Your Change®

The Savings Pocket is linked to your transactional account. You can also transfer money to and from your Savings Pocket electronically at any time, free of charge. You may deposit funds and make withdrawals by making transfers to your transactional account online or at an FNB ATM. With the Savings Pocket you are not required to give notice on the account to withdraw the funds or to deposit funds.

Transfers into your Savings Pocket can be made via an FNB branch, ATM, Cellphone Banking, FNB Online Banking or the FNB App. Balances and transfers out into a linked account can be made via Online Banking and at an FNB ATM.

You can link your Savings Pocket to automatically transfer savings from your lifestyle account to the Savings Pocket whenever you swipe, thereby saving leftover change via our Bank Your Change® offering. The amount saved is the rounded up amount to the nearest Namibian Dollar.

You have the option to add a top up (N$2, N$5, N$10, N$20 and N$50).

No fees charged for free inter-linked Savings Pocket inter-account transfer to other accounts.

Terms, conditions + rules apply


Getting it made easy

Platinum Lifestyle Account

Qualifying criteria

Individuals must earn N$360 000 - N$749 999 per annum

How to get it

Start Application Now

Other ways to apply

Contact us on 061 299 2222
Visit your nearest FNB branch

Documents needed

  • Your ID or a valid Namibian passport, work visa and employment contract
  • Proof of income

Visit the Platinum Hub at Windhoek main branch, or your nearest FNB branch