No small print, no surprise deductions, no fee you only discover on your statement. If it is not written here, we do not charge it.
| What it is | Detail | Price |
|---|---|---|
| Opening an account | Digital onboarding, unique account number, QR identity | Free |
| Monthly account fee | Everyday account, no minimum balance | Free |
| Sending money in Namibia | Instant, any amount, any Ubuntu account | Free |
| Chat and pay, QR and Tap & Pay | In person or in a conversation | Free |
| Receiving money | Local or from abroad | Free |
| Merchant payments | Takings settle to your wallet the same second | Free |
| Salary advance | Flat fee on the amount drawn, no interest, no rollover | 5% |
| Gateway borrowing | Standard peer rate, capped at 20% for urgent loans | from 15% |
| Currency conversion | Live mid-market rate with no spread added | 0.4% |
| Cross-border transfer | Settled on blockchain rails, not SWIFT | N$25 flat |
| ATM withdrawal, own network | Ubuntu and partner ATMs | Free |
| ATM withdrawal, other banks | Charged by the ATM owner, shown before you confirm | N$12 |
| Ubuntu Gold card | Higher limits, travel cover, priority rates | N$49 / month |
| Replacing a lost card | Freezing and virtual cards are always free | N$80 |
| Financial literacy and coaching | Every lesson, every conversation, forever | Free |
We never charge a failed-payment or below-balance fee. If the money is not there, the payment simply does not go, and we tell you why.
A salary advance costs 5% of what you draw. Not 5% a month, not 5% that grows. One fee, shown before you accept, repaid on payday.
Every charge appears on the confirmation screen before you approve, and on the transaction record afterwards with the fee line spelled out.
Deposits and card issuing are provided through our regulated Banking-as-a-Service partner bank under their licence. Ubuntu Finance operates the technology, the AI and the ledger. Your funds are held in a segregated client account, separate from company money, and every movement is written to a tamper-proof record you can inspect on any transaction.
Every payment is written to a tamper-proof record that nobody can edit, including us. Enter a reference to check it.
Every price above is the price you pay. Nothing appears later.