Whether you want a fast transfer, cash pick-up or the best value for money when sending either Namibian dollars (NAD) or US dollars, there are options available. This guide will help you compare your options for sending money to Namibia and find the right option to suit your needs.
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How to send money to Namibia in a few simple steps
Choose your service. Not all money transfer services send money to Namibia from Australia. Use our table to see which ones do and compare exchange rates, transfer fees and more.
Create an account. This usually involves providing some form of identification, like your driver's licence or passport, and proof of address.
Pick your payment method. You can typically choose to pay with your bank account, credit card or debit card.
Choose your delivery method. The next step is to choose how you want the money delivered. It could be sent directly to a bank account, a money app or picked up as cash.
Enter your transaction details. Enter how much you want to send, the recipient's details and any other information that's needed.
Review your transfer. Double-check and make sure everything is in order. You'll also be confirming the exchange rate, in case it's changed since you started the transfer.
Send your funds. The money will be deposited into your recipient's account in Namibia.
Receive email/SMS confirmation. You'll receive email or SMS confirmation letting you know the funds are on their way.
How to compare Namibia money transfer services
Exchange rates. What are the exchange rates for your chosen currencies? You can use US dollars, South African rand and Namibian dollars in Namibia, but the AUD rates for each will vary. You might be able to save money by choosing a different currency.
Fees. How much does a service charge in flat fees? Depending on the transfer, it may be worth taking higher fees for more favourable rates.
Transfer methods and pick-up locations. Make sure the service you're using works for the recipient. If you're sending money for a cash pick-up, make sure you check for a suitable pick-up location.
Transfer times. Some options may be considerably faster than others. If you're in a hurry, it can be worth taking a little bit of time to find a fast transfer.
Limits. There will be minimums as well as maximums. Make sure these work for you.
Customer service. Who do you call if something goes wrong and will they pick up the phone? Make sure you can contact the money transfer service if needed and that it has a good reputation.
Exchange rates explained
An exchange rate is the value of one currency compared to another currency. These change constantly, so it's worth checking them again every time you make a transfer.
Bank transfer. Depending on your bank, you can go to your local branch or use online banking to send money directly from your account to a recipient in Namibia. However, even where it's available this option will usually be slower and more expensive than others.
Cash pick-up services. You can send money to be picked up at any one of the several locations in Namibia. The available locations vary depending on which service you use.
International cheque. This is a cheque made out in a foreign currency. You can find these at banks and post offices, then send or take it to Namibia.
Let's crunch the numbers: Two money transfers side by side
Below are the details of two money transfers, for a transfer of $1,000 to Namibia as USD, showing how much can be saved by comparing options.
We're using USD for this example because more providers send with USD than NAD. Even though it isn't universally accepted in Namibia, it is accepted in some places. The recipient may still need to convert it into local currency though.
Money transfer service 1
Money transfer service 2
1 AUD = 0.6796
1 AUD = 0.6699 USD
Several business days
Total USD received
Even though you're paying $9 in fees with one of the money transfer services, it still comes out cheaper than the other thanks to its more favourable exchange rates and you can save about $5.
The lowest fee isn't always the cheapest transfer.
How long will it take to send money to Namibia?
It can take days or even over a week to send money to Namibia, but it depends on your transfer method, the service used, how you're paying for the transfer and how your recipient is collecting it.
As a rule of thumb, transfer stages involving bank transfers will typically be the slowest, while mobile money, cash payments and pick-ups are typically the fastest.
Emergency cash transfer
If you need to send cash to Namibia fast, there are a range of services able to facilitate an emergency cash transfer.
It can be available for pick-up in just minutes. However, the pick-up location also needs to suit the recipient.
How to send money to Namibia without a bank account
If you don't have a bank account but still need to send money to Namibia, you can look for a cash transfer service in your location. These are widely available all over the world.
This can also suit recipients who don't have a bank account, because they don't need one to receive a cash transfer.
Faster transfers are often not the most cost-effective and you may be able to find lower fees and better rates with a slightly slower transfer. By finding a slower transfer and planning appropriately, such as by making your deposit early in the day so it's processed on the same day and sending the money on Monday so it doesn't get stuck over the weekend, you may be able to find a combination of fast and affordable transfers.
Tips for picking up cash in Namibia
The Department of Foreign Affairs and Trade (DFAT) warns that pickpocketing and purse snatching is common in Namibia, often in combination with distraction techniques.
Don't go alone. If possible, take someone with you to be on the safe side.
Go during the day. The risk of crime increases at night.
Remain alert. Distractions are often a prelude to robbery and it's recommended you remain alert when handling cash, especially in large amounts.
Cash pick-up locations in Namibia
Casa de Cambio Windhoek – Gart 25 Garten Strasse, Head Office Garten Strasse 612-364-99 Open from 7am to 5:30pm
Namibia Bureau de Change Trip Blvd. Levinson Arcade, Windhoek, 0 264-612-29667 Open from 8am to 5pm
Cambio Seguro, Windhoek, Khomas Grove Khomas Grove Mall, Windhoek 818-484-325 Open from 8am to 5pm
Wernhill Park CBD, Windhoek +264-61-223090 Open from 8am to 7pm
Interchange Namibia Windhoek Post Street Mall, Windhoek +264-61236085 Open from 9am to 5pm
Novocambios Grove Mall Kleinne Kuppe, Windhoek +264-061-306606 Open from 8am to 5pm
Casa de Cambio 105 Namchi Park 652-651-64 Open from 7:30am to 5:30pm
Cambia Seguro Casa Angola Complex, Oshikango 9000 Open from 8am to 5pm
Novocambios Aeroporto de Ondjiva Bairro 11 De Novembro Ondjiva, Ondjiva (Angola) +244-931425777 Open from 12:30pm to 5pm
Novocambios Oshikango Oshikango Main Street, Oshikango (Namibia) +265-265331 Open from 8am to 5pm
Banco de Negocios Internacional SA Rua Direita de Santa Clara – Posto Aduaneiro, Cunene Open from 7am to 7pm
Maroela Mall Ongwediva, Ongwediva +264-065-265331 Open from 8am to 5pm
Casa de Cambio Walvis Bay 117 Walvisbay Sam Nujoma Avenue 811-283-346 Open from 7am to 5:30pm
Dunes Mall Walvis Bay Walvisbay +264-81-2923113 Open from 8am to 7pm
Frequently asked questions
It can be difficult to find providers who will handle NAD transfers, so you might want to send USD instead. However, it may need to be converted again after arrival which will incur extra cost.
Yes. Some money transfer services will let you send money through a credit card.
You'll typically need to provide proof of identity and recipient details such as name and address.
Some services may also request additional information such as the reason for sending funds.
Andrew Munro is the global cryptocurrency editor at Finder. After previously writing about insurance and other areas, he now covers the latest developments in digital assets and blockchain and works on Finder's comprehensive range of guides to help people understand cryptocurrency.
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