It provides financial services to its clients, which include personal, commercial and Small and Medium-sized Enterprise (SME) banking and accounts.

Bank Windhoek also offers foreign exchange services throughout its branches and through a joint venture with American Express, which has various outlets in Namibia.

[11] Bank Windhoek has the largest branch network and footprint across Namibia.

[12] Bank Windhoek, a fully owned subsidiary of the Capricorn Group, is the largest entity under the umbrella of Capricorn Investment Group Limited, branded as "Capricorn Group", a Namibian financial services group listed on the Namibian Stock Exchange, with interests in banking, insurance, asset management, investments and microfinance.

While BW Finance, a subsidiary of Bank Windhoek, is the vehicle through which the group does its micro lending business, which is a separate entity, as per regulation.