Government Salary Scales Namibia 2026 - Grade A to E, Allowances, Benefits & Loans Guide
Updated: 13 Oct 2026 • 5 min read • Jobs Namibia
Introduction
Namibia Government (GRN) uses PSM salary scales Grade A to J to determine your salary. Your salary is NOT negotiated - it depends on your grade, notch, and years of experience. This guide shows you exactly how much GRN pays in 2026, plus allowances, benefits, and special banking benefits you get as a civil servant at FNB Namibia and Bank Windhoek.
Full Salary Table 2026 - Grade A to E
| Grade | Example Posts | Monthly Basic Salary (N$) | Annual Total with Benefits |
|---|---|---|---|
| Grade A | Cleaner, Labourer, Security Guard, Office Assistant | 3,500 - 6,000 | N$55,000/year + 13th cheque + funeral cover N$15k |
| Grade B | Driver, Clerk, Receptionist, Data Capturer | 8,000 - 12,000 | N$130,000/year + housing allowance + medical aid |
| Grade C | Administrative Officer, HR Officer, Accountant, IT Technician | 18,000 - 25,000 | N$280,000/year + medical aid + pension + housing |
| Grade D | Chief Administrative Officer, Senior Accountant, HR Practitioner | 28,000 - 40,000 | N$450,000/year + car allowance + GIPF housing loan |
| Grade E+ | Deputy Director, Director, Senior Manager | 50,000 - 85,000 | N$800,000+ package + car allowance + housing + medical |
Allowances Explained - What You Get Extra
1. Housing Allowance - N$1,200 - N$3,500 per month
Depends on grade and duty station. Windhoek gets highest due to high rent. You can use your housing allowance and payslip to qualify for a home loan at FNB Namibia or Bank Windhoek. FNB offers civil servants home loan at prime -2% (currently 9.5% vs 11.5% normal rate), 100% financing, up to 30 years. Bank Windhoek offers similar Easy Home Loan. You will need: 3 months payslip, ID, police clearance certificate, and life insurance + home insurance for the loan.
2. Medical Aid - PSEMAS - GRN Pays 85%
GRN pays 85% of your PSEMAS medical aid premium, you pay 15%. Covers you, spouse, and children. Providers are Prosperity Health and Old Mutual Health. Family medical aid costs about N$1,200/month but you pay only N$180. You can top up with Old Mutual gap cover for N$150/month to cover private hospital shortfalls. Medical aid is important for private hospital visits in Windhoek.
3. Pension - GIPF - Government Institutions Pension Fund
You contribute 7% of basic salary, GRN contributes 16%. At retirement (age 60), you get monthly pension. You can also borrow against your pension for housing via GIPF housing loan - up to N$500,000 at 9% fixed interest for 20 years. You need house plan, ID, police clearance, and life insurance plus home insurance for the loan. Old Mutual and Sanlam also offer retirement annuities to supplement GIPF - N$500/month can give you N$300,000 extra at retirement and is tax deductible.
4. 13th Cheque - One Extra Salary in December
GRN pays one extra month salary in December, taxed at lower rate. Many civil servants use it to open a fixed deposit account at FNB (7.5% interest for 12 months) or Bank Windhoek (7.8%) or invest in Old Mutual Money Market. It's also good to use for car insurance annual payment or home insurance.
5. Car Allowance - Grade D and Above - N$4,000-7,000/month
Grade D and E get car allowance to maintain own car. You will need comprehensive car insurance - Hollard, Old Mutual, and Santam offer comprehensive cover from N$400/month for Toyota Corolla, N$650 for Hilux. Third party only is cheaper (N$150/month) but not recommended for new cars. Car insurance also covers theft, fire, accident.
FINANCE_TABLE_ADBanking Benefits for GRN Employees at FNB and Bank Windhoek
- Home Loan: Prime -2% = 9.5% interest, 100% financing, 30 years, up to N$2.5m
- Vehicle Finance: 12% interest vs 14.5% private, up to N$500k
- Personal Loan: Up to N$250,000 for Grade C, N$80,000 for Grade B, at 13% interest
- Easy Account: Zero monthly fee for Grade A-B, free funeral cover N$15,000, free credit card for Grade C+
- Credit Card: Visa with N$10,000 limit for Grade C
- Savings: Fixed deposit 7.5% for 12 months, 32-day notice 6.5%
- Zero monthly fee for civil servants
- Free funeral cover N$15,000
- Free credit check once per year via TransUnion Namibia
- Personal loan at prime +2%
- Home loan at prime -1.5%
- Overdraft facility N$10,000 for Grade C+
Insurance Checklist for GRN Employees
- Funeral Cover: Old Mutual offers N$20,000 family cover for N$60/month, Sanlam N$55/month, Hollard N$65. GRN Easy Account includes free N$15k.
- Life Insurance: Required for home loan. Old Mutual, Sanlam, Hollard offer N$500,000 cover for N$150/month for 30-year-old. Important for family protection.
- Car Insurance: Comprehensive covers accident, theft, fire, third party. Compare quotes: Hollard N$400/month Toyota, Old Mutual N$420, Santam N$380. Third party only N$150.
- Home Insurance: Required for home loan. Covers fire, theft, storm. Hollard N$200/month for N$1m house.
- Income Protection: If disabled, covers 75% salary until retirement. Old Mutual and Sanlam offer for N$200/month.
How to Move to Higher Grade
- Qualification: Diploma = Grade B-C, Degree = Grade C-D, Masters = Grade D-E
- Experience: 3+ years needed to move from Grade B to C, 5+ years from C to D
- Scarce Skills: IT, Finance, Engineering, Health get market allowance extra N$2,000-5,000/month on top of basic
- Short Courses: Excel Advanced, Pastel, SAP, Project Management can help you get promoted
FAQ
- Can I negotiate GRN salary? No, scales are fixed by PSM. You can only negotiate notch within grade based on experience.
- Does GRN pay overtime? Yes, but must be approved. Rate 1.5x normal rate.
- Which bank is best for GRN employees? Both FNB Easy Account and Bank Windhoek Easy Account have special packages for civil servants - low fees, overdraft, home loan pre-approval, free funeral cover.
- How to check credit score before home loan? Check via TransUnion Namibia online for N$50, or Compuscan. Clean ITC needed for home loan approval at FNB and Bank Windhoek.
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