. 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).

Bank with ease

You will receive a Visa Electron debit card which will allow you to make purchases at merchants where the VISA sign is displayed and withdraw money at any FNB Branch, FNB ATM or Namswitch ATM.

The benefits of an overdraft facility

  • An overdraft is a short-term financial solution ideal for covering unforeseen expenses
  • The facility is available on application, for Platinum Lifestyle Account customers
  • 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 of an overdraft facility

  • 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

I want an overdraft facility

If you hold a Platinum Lifestyle Account, you can apply for an overdraft now.

If you don't hold a Platinum Lifestyle Account, you'll need to apply for one before you can have an overdraft facility.

Platinum Lifestyle Account

Helping you realise your aspirations

The Platinum Lifestyle Account is aimed at a hand selected elite who are Namibian permanent residents.

What's hot

Withdraw money anytime

Customers will be able to withdraw money at any FNB Branch, FNB ATM or Namswitch ATM.

Finance your studies

Study as well as post-graduate loans for part-time study, are available on application.

Admin made easy

Get monthly statements emailed to you and reduce your paper usage.

Enjoy greater flexibility

A personal loan or overdraft is available on application.

Bank with ease

Withdraw money and make purchases where the Visa sign is displayed with your Visa Electron debit card.

Read more

Get an overdraft

Short-term credit solutions

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

The benefits

The cost

I want it!


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 from your Savings Pocket electronically at any time, free of charge. Customers may deposit funds and make withdrawals by making transfers to transactional account online or on the 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 on Online Banking and an FNB ATM.

Users can link their Savings Pocket to automatically transfer savings from their lifestyle account to Savings Pocket whenever they swipe, thereby saving your leftover change via our Bank Your Change offering. Amount saved is the rounded up amount to the nearest Namibian Dollar.
Customer has the option of adding 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

  1. Individuals must earn N$30 000.00+ per month or N$360 000.00+ per annum (gross income)
  2. Individuals who earn a regular income
  3. Individuals who have a clean credit record
  4. Individuals who are permanent residents of Namibia

How to get it

Start Application Now

Other ways to apply

Contact us

Find a branch

Documents needed

  • Your ID and latest payslip
  • Alternatively if you are switching from another bank bring 6 months bank statements
  • If you are in Windhoek please visit the Exclusive Banking suite at FNB @Parkside
  • Outside Windhoek, please visit your nearest FNB Branch