Note that these are the average rate for the month.

Previous months:

• 2022
  • May: 14.08 %
  • April: 12.54%
  • March: 12.01%
  • February: 12.00%
  • January: 12.00%

Note that these are the average rate for the month.

Previous months:

• 2022
  • May: 00.00 %
  • April: 16.57 %
  • March: 16.57 %
  • February: 14.18 %
  • January: 14.18 %

Note that these are the average rate for the month.

Previous months:

• 2022
  • May: 16.77 %
  • April: 16.17%
  • March: 15.91%
  • February: 15.75%
  • January: 15.52%

Note that these are the average rate for the month.

Previous months:

• 2022
  • May: 17.55 %
  • April: 16.89 %
  • March: 15.36 %
  • February: 14.42 %
  • January: 4.42%

For a minimal service fee, you can enjoy the benefits of the Achiever PAY AS YOU GO, offering a secure and convenient way to carry out banking activities

What you should know

• Minimum Net Monthly Income: GHS 700
• Minimum Account Balance: GHS 50
• Minimum Opening Deposit: GHS 50

Benefits and Key Features

• Get free SMS alerts for transactions carried out on your account.
• Sign up for free Internet banking
• Free inter-account transfers
• Free POS/Online
• Free electronic statement
• Free Mobile Banking
• Free Visa Card
• Free first Cheque Book (50 pages)
• Free ATM withdrawal on SBG ATMs
• 24hr TAT for an Achiever Loan
• Paperless Account Origination
• Up to GHS 18,000 Hospitalization Support 3-month retrenchment cushion of Up to GHS 3,000

How to get it

• Visit the nearest branch with the following documents:
  • Proof of identity (valid Voter’s ID Card, driver’s licence or passport)
  • Two passport-size photographs
  • Proof of address – a utility bill less than three months old
• What you’ll need
  • You have to be at least 18 years
  • You can be a salaried worker or self-employed
  • Be a resident or non-resident Ghanaian, or resident non-Ghanaian with a valid residence permit

Our Current Account makes your everyday transactions easier than ever. Plus, you will enjoy a range of benefits including international services, savings, personal loans and more.

What you get

• 24-hour access to your current account
• Convenient bills payment
• Debit card
• Chequebook available
• No minimum bank account balance
• Do your banking from any device
• Track account activity anytime, anywhere
• Easily pay your bills online
• Transfer or send money quickly
• Access to credit and loan facilities
• Great interest rates and competitive limits
• Transact at any local post office, Absa branch or ATM
• Swipe at any VISA outlet

What to bring when you apply

• Two passport-sized photographs
• National ID (excluding NHIS) or valid passport for foreigners
• Proof of residence i.e.  Recent utility bill, tenancy agreement, local government rate document, bank statement or passbook containing current address etc.
• Resident permit (applicable to foreigners residing in Ghana)
• Work permit (applicable to foreigners working in Ghana)
• Tax identity number

Enjoy the full benefits of the Achiever Banking proposition for a bundled monthly fee, with a secure and convenient way to carry out banking activities

What you should know

• Minimum Net Monthly Income: GHS 700
• Minimum Account Balance: GHS 50
• Minimum Opening Deposit: GHS 50

Benefits and Key Features

• Get free SMS alerts for transactions carried out on your account.
• Sign up for free Internet banking
• Free inter-account transfers
• Free POS/Online
• Free electronic statement
• Free Mobile Banking
• Free Visa Card
• Free first Cheque Book (50 pages)
• Free ATM withdrawal on SBG ATMs
• 24hr TAT for an Achiever Loan
• Paperless Account Origination
• Up to GHS 18,000 Hospitalization Support 3-month retrenchment cushion of Up to GHS 3,000

How to get it

• Visit the nearest branch with the following documents:
  • Proof of identity (valid Voter’s ID Card, driver’s licence or passport)
  • Two passport-size photographs
  • Proof of address – a utility bill less than three months old
• What you’ll need
  • You have to be at least 18 years
  • You can be a salaried worker or self-employed
  • Be a resident or non-resident Ghanaian, or resident non-Ghanaian with a valid residence permit

For a flat monthly fee, the Ultimate Account gives you access to bundled services, retrenchment insurance cover and the convenience of mobile banking.

What you need to know

• Account has a flat monthly fee of GHS27.50

What you get

• Bundled transactions and services for a flat monthly fee
• Free International Visa Debit Card
• Hospital cash back insurance up to GHS10,800 (GHS60 per day for max 180 days spent in hospital)*
• Embedded funeral insurance with up to GHS1,800 cover for 6 people (GHS300 payout per person)*
• Retrenchment insurance cover of 3 times your monthly salary up to a cap of GHS10,000*
• One free external standing order
• One free salary credit per month
• Free chequebook (25 leaflets)
• Access to credit and loan facilities
• Transact at any local post office, Absa branch or ATM
• Free mobile banking
• Free Internet banking
• Free SMS alerts
• Free eStatement
• Salary advance or overdraft

What to bring when you apply

• Two passport-sized photographs
• National ID (excluding NHIS) or valid passport for foreigners
• Proof of residence i.e.  recent utility bill, tenancy agreement, local government rate document, bank statement or passbook containing current address etc.
• Resident permit (applicable to foreigners residing in Ghana)
• Work permit (applicable to foreigners working in Ghana)
• Tax identity number

Executive Banking is a comprehensive banking package which seeks to meet your need for convenient solutions and benefits

What you should know

• Minimum Net Monthly Income: GHS 10,000
• Minimum Account Balance: GHS 50
• Minimum Opening Deposit: GHS 50

Benefits and Key Features

• Access to higher limits on Unsecured Personal Loans
• Vacant land financing
• Membership recognition through invitations to special Stanbic sponsored events
• International /online payment access through the Gold Visa Card
• Exclusively branded cheque book
• Special Lifestyle Privileges and discounts at our preferred partner locations
• Relationship Banking through dedicated Executive Banker
• Executive Banking service areas in select branches: Accra Main, Stanbic Heights, East Legon, Tema Industrial, University of Ghana-Legon, Kumasi, Takoradi, Dansoman and Spintex
• Preferential Service through the Priority Teller
• Hospital Cash Cover: cash back of GHS100 per day for 180 days (Only covers hospitalization due to an accident)
• Travel Insurance Cover of up to 45,000 Euros
• Income Protection cover of GHS 4,500, paid in 3 installments for 3 months
• Personal Loans of up to GHS90,000

How to get it

• Visit any Stanbic Bank branch
• Send us an email and an Executive Banker will call you back
• What you’ll need
  • Have a net salary range of GHS 3,500 to GHS 9,999 or
  • Maintain an annual net credit turnover above GHS40,000 or
  • Maintain a minimum investment of GHS 25,000

Banking with distinction, the Prestige Account offers preferential treatment, upgraded Prestige Banking benefits, portfolio management and exclusive centres.

What you need to know
The monthly membership fee is GHS40

What you get

• Exclusive treatment
• Portfolio managers
• Extended banking hours
• Priority access to exclusive service centres
• Lower interest on loans
• Better savings and investment rates
• Prestige card
• Free mobile banking
• Free SMS alerts
• Free Internet banking
• Free ATM withdrawals
• Free bill payments
• No deposit fees
• Free chequebook
• Free salary retrenchment cover
• Bank from any device
• Track account activity anytime, anywhere
• Easily pay your bills online
• Transfer or send money quickly
• Access to credit and loan facilities
• Transact at any Absa branch or ATM
• Swipe at any VISA outlet

What to bring when you apply

• Two passport-sized photographs
• National ID (excluding NHIS) or valid passport for foreigners
• Proof of residence i.e.  Recent utility bill, tenancy agreement, local government rate document, bank statement or passbook containing current address etc.
• Resident permit (applicable to foreigners residing in Ghana)
• Work permit (applicable to foreigners working in Ghana)
• Tax identity number

Our Private Banking offering is designed around quality banking and wealth advisory services, giving you the attention you deserve

What you should know

• Minimum Net Monthly Income: GHS 10,000
• Minimum Account Balance: GHS 50
• Minimum Opening Deposit: GHS 50

Benefits and Key Features

• A truly dedicated Private Banker who will be the primary contact on the account
• A dedicated transactional banker
• VISA Verified Platinum Debit card
  24/7 self-service banking
• Exclusive Private Banking suite
• Dedicated teller for local and foreign exchange transactions
• Extended banking hours
• Pre-approved overdraft of GHS4,000
• Personal unsecured loan of up to GHS200,000
• Maximum ATM withdrawal limit of GHS10,000 per day
• Unlimited POS limits dependent on balance
• A fast-turnaround time of 48 hours for personal loans
• Preferential pricing on forex and interest rates
• Exclusive networking privileges
• Zero management fee for Current Account balances above GHS50,000

How to get it

• Visit the nearest branch with the following documents:
  • Proof of identity (valid Voter’s ID Card, driver’s licence or passport)
  • Two passport-size photographs
  • Proof of address – a utility bill less than three months old
• What you’ll need
  • You have to be at least 18 years
  • You can be a salaried worker or self-employed
  • Be a resident or non-resident Ghanaian, or resident non-Ghanaian with a valid residence permit

Enjoy the convenience of a Premier Banking Current Account for your everyday banking transactions.

What you need to know

• A 6-month waiting period after first salary is paid into account
• A 24-month waiting period for all contract or non-permanent staff

Benefits

• Free travel insurance cover of up to GHS300,000 for 91 days anytime you travel
• Unsecured Premier loans up to a limit of GHS280,000 for a maximum tenor of 72 months
• Access to a cash-secured overdraft of up to 90% of your holdings with us or GBP100,000
• Access to exclusive mortgage at a preferential rate, based on your income
• Credit cards up to a limit of GHS60,000
• Unsecured overdraft facilities available
• Access to Visa Platinum International debit cards
• Free Hospital cash back (double benefit if hospitalised outside Ghana)
• Free retrenchment cover* of 3 times your monthly salary up to a cap of GHS10,000
  • Claims should be reported to any Absa branch within 90 days of the retrenchment with the following:
    • National ID, and Staff ID where applicable
    • Letter of termination from the previous employer
    • Bank account statement or pay slip for the last 3 months prior to retrenchment

Earn interest on this unique savings account whiles having the freedom to conveniently transact on it

Benefits

• Enjoy great multi-tiered interest rates calculated daily and credited monthly
• Enjoy zero monthly service fees
• 24/7 access to your account through online and mobile banking

Features

• You receive free eStatements daily, weekly or monthly depending on your preference.
• Enjoy a wide range of Visa Card products that allow for point of sale (POS) and online transactions worldwide.
• You get a Cash Withdrawal Book with this savings account and have a maximum of 4 withdrawals over the counter per month.
• Initial account opening balance of GHS100 and minimum account operating balance of GHS100.

Savings Interest Rates

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

A special Savings Account that has a cheque facility suited for business owners and salaried workers

Benefits

• Enjoy great multi-tiered interest rates calculated daily and credited monthly
• Enjoy zero monthly service fees
• 24/7 access to your account through online and mobile banking

Features

• You receive free eStatements daily, weekly or monthly depending on your preference.
• Enjoy a wide range of Visa Card products that allow for point of sale (POS) and online transactions worldwide.
• You get a cheque book with this savings account and have maximum of 2 withdrawals over the counter per month.
• Initial account opening balance of GHS1,000 and minimum account operating balance of GHS500.

Savings Interest Rates

Eligibility & Documents

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

A savings account that helps you build funds for your children till they attain age 18

Benefits

• Enjoy great multi-tiered interest rates calculated daily and credited monthly
• Enjoy zero monthly service fees
• 24/7 access to your account through online and mobile banking

Features

• You receive free eStatements daily, weekly or monthly depending on your preference.
• To encourage savings and minimize withdrawal of your child’s savings.
• Initial account opening balance of GHS200 and minimum account operating balance of GHS100.
• Maximum of 2 withdrawals per year and no ATM card issued on this account.

Savings Interest Rates

Eligibility & Documents

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

This card is available to all Achiever Banking customers

What you should know

• Annual Fee: 1%
• Minimum Monthly Income: GHS 3,000
• Credit Limit: GHS 10,000
• Interest rate: Personalised

Key Features

• Chip- and PIN-enabled Visa Credit Card
• You can use your Credit Card at millions of merchants and ATMs worldwide – and to shop securely online.
• 3D Secure verification for safe online shopping
• Credit limit changes on request
• Automatic Lost Card Protection

What it cost

• Monthly interest rate of 3%
• Card Insurance fee of GHS 100.00
• Get up to 55 days free interest on your account if your account is paid in full.
• 10% minimum monthly repayment with Automatic Payment Option

How to get 

• Documents:
  • A nationally accepted identification card (voter’s ID, driver’s license or passport)
  • Two passport-sized photographs
  • Proof of residence in the form of a utility bill

Get affordable access to credit with a Gold card that’s packed with everyday benefits

What you should know

• Annual Fee: 1%
• Minimum Monthly Income: GHS 3,500
• Credit Limit: GHS 50,000
• Interest rate: Personalised

Key Features

• Chip- and PIN-enabled Visa Credit Card
• You can use your Credit Card at millions of merchants and ATMs worldwide – and to shop securely online.
• 3D Secure verification for safe online shopping
• Credit limit changes on request
• Automatic Lost Card Protection

What it cost

• Monthly interest rate of 3%
• Card Insurance fee of GHS 100.00
• Get up to 55 days free interest on your account if your account is paid in full.
• 10% minimum monthly repayment with Automatic Payment Option

How to get 

• Documents:
  • A nationally accepted identification card (voter’s ID, driver’s license or passport)
  • Two passport-sized photographs
  • Proof of residence in the form of a utility bill

A savings account to nurture savings behavior in minors up to the age of 17 and provides guardians with a financial management tool.

Features

• Interest rate of 3% per annum
• Minimum initial deposit of GHC 100
• Minimum monthly deposit of GHC 10
• Free standing orders to be set up (from Zenith accounts) to build up funds

Benefits

• Ease of making payments to third parties
• Mobile money wallet linkage
• Free internet banking service and e-statement

Requirments

• Competitive rate
• Free internet banking and e-statements.
• Savings may be held as security for loans to Guardians.
• Encourages early savings behaviour in minors
• Participation in outdoor events such as the Zenith
• Health Walk and children’s parties
• Branded gifts for accounts opened with more than GHS100 in a deposit

Saving for your child’s future just got easier with ZECA Plus, a savings account for children between 0-17 years.

Features

• Interest rate of 3% per annum
• Minimum initial deposit of GHC 500
• Minimum monthly deposit of GHC 50
• Free standing orders (from Zenith accounts) to build up funds
• Quarterly withdrawals allowed (Up to 4 withdrawals a year) including standing orders.

Benefits

• Competitive rates
• Free internet banking and e-statements.
• Free standing order/bank drafts to pay school fees.
• Participation in outdoor events such as the Zenith Health Walk and children’s parties.
• Branded gifts for accounts opened with more than GHS500 in a deposit.

Requirments

• Competitive rate
• Free internet banking and e-statements.
• Savings may be held as security for loans to Guardians.
• Encourages early savings behaviour in minors
• Participation in outdoor events such as the Zenith
• Health Walk and children’s parties
• Branded gifts for accounts opened with more than GHS100 in a deposit

This savings product is designed to attract deposits from Businesses with high credit turnover and high transactional needs. It is aimed at growing the bank’s deposit base and reducing the bank’s cost of funds.

What you must know

• Free monthly electronic statements
• Quarterly interest payment at 6%
• Safe way to build up funds to achieve goals
• Deposits can be made via a direct debit to give convenience

Note that these are the average rate for the month.

Previous months:

• 2022
  • May: 13.25 %
  • April: 12.30 %
  • March: 12.00%
  • February: 12.00%
  • January: 12.00%

Our unsecured loans help you meet your personal financing requirements

Benefits

• Enjoy 60 months flexible repayments period
• Get 24/7 access to your account through online and mobile banking
• Get High loan amount up to GHS350,000 with no security required

Features

• Flexible Long Tenure: Ease your financial management with our convenient repayment schedule of up to 6 years.
• Loan Protection Insurance: Credit Life Insurance covers you in case of death, leaving your relatives obligation free.
• Smart Scheme Personal Unsecured Loan: Unsecured loans that helps you in buying a brand new car, paying fees for your post-graduate degree or paying for your child’s school fees.
• Smart Credit: If your salary is paid through a
• Standard Chartered Bank account you could be eligible to take this loan.p to GHS350,000 with no security required

Eligibility & Documents

• Application Eligibility
  • Net minimum salary of GHS1,000
  • Salaried worker
• Documents Required
  • Completed application form
  • ID – Important Information Document
  • Passport / Driver’s Licence / National Identification Card / Voters ID
  • Most recent salary slip
  • Bank statements for the last 3 months
  • Letter of Undertaking required

An overdraft limit is marked on your salaried account so you can cover those unforeseen expenses.

Let the Employee Salary Overdraft give you the peace of mind you need. We’ll put a credit limit on your salaried account so that you can draw extra funds when you need to.

What you need to know

• You must be at least 18 years old to apply
• This credit facility is open to salaried workers
• Employee Salary Overdraft is available if you’ve had a salaried account with Absa for at least 6 months
• We will need confirmation that you’re permanently employed
• Credit Life: 0.5%

What you get

• Borrow from GHS500 – GHS20,000*
• Revolving credit facility with minimum repayment period of 12 months
• Flexibility to overdraw up to an agreed limit
• Ability to cover cheques which would otherwise bounce
• Overdraft limit is available for a year and repaid on a monthly basis
• After a year, the limit is refreshed and becomes available for re-use
• Fixed interest rate
• Easy approval
• Instant access to your money
• No waiting periods
• Hassle-free application processes and quick approval times
• Advanced support for you to manage your loan more easily
• Credit life insurance cover against death and permanent disability is available

What to bring when you apply

• National ID card (or passport for non-Ghanaians)
• Completed overdraft application form
• Latest payslip
• Bank statements for 6 months (for new-to-bank customers)

A loan product designed to support parents, guardians and individuals at various levels of education to settle their school fees.

This loan supports parents, guardians and individuals at various levels of education to settle school fees. It is available to existing and new salaried customers who have been banking with us for at least a month.

What you need to know

• You need to have an Absa account to qualify.
• Account should have at least one month’s salary credit.
• Available to salaried workers.
• Credit Life: 0.5%
• Arrangement fee: Up to 2.75%

What you get

• Employees can borrow up to GHS220,000.
• Monthly repayments over a period 6 – 60 months.
• Competitive pricing of 23.5% per annum.
• Flexible repayments.
• Short and medium-term fee payments for your dependants or yourself, of up to 5 years.
• Maximum of 72-hour turnaround time to avoid undue delays.
• Free credit life insurance cover against retrenchment, death and permanent disability.
• Exciting gifts like caps, school sets, Android tablets, etc. for children on the School Plan.

What to bring when you apply

Absa account holders

• National photo ID card (or passport for non-Ghanaians)
• Completed loan application form
• Latest payslip

Non-Absa account holders

• National ID card (or passport for non-Ghanaians)
• A completed loan application form
• Most recent bank statements for the last 6 months (certified)

A personal loan that’s ideal if you need a bit extra to finance a car, buy that house or even further your education.

If you’ve been an Absa account holder for at least 6 months and need an unsecured loan for use, this is the one for you.

Whether you want some extra cash for a holiday, education, car or even a house, a Direct Loan can help you to finance it fast and effectively.

If you’ve had an account with Absa for at least six months and need a loan for personal use, this is the one for you

What you need to know

• You need to have an Absa account to qualify
• Account should have at least one month’s salary credit
• Available to salaried workers.
• Credit Life:  1.35%
• Arrangement fee: Up to 2.75%

What you get

• Employees can borrow up to GHS220,000*
• Flexible repayment of 12-60 months
• Competitive interest rates and fees
• No collateral or security is needed to apply for a loan
• Hassle-free application processes and quick approval times
• Affordable loan insurance with an Absa Direct Loan
• No sudden increases due to fixed interest rates
• Flexible repayment options based on your other financial obligations
• Advanced support for you to manage your loan more easily
• Affordable credit life insurance cover against death, permanent disability and retrenchment cover for 6 months.

What to bring when you apply

• National ID card (or passport for non-Ghanaians)
• Latest payslip
• Completed loan application form
• 6 months’ bank statements (for new customers)

With this loan we sign a contract with your company to lend money to you, the employee, which then gets deducted off your salary.

The Scheme Loan is available to government institutions and private companies, and allows you to sign an agreement with Absa to offer your staff company loans.

It’s convenient, easy to arrange and completely hassle-free as banking is brought to an employee’s doorstep.

What you need to know

• Employees qualify if they’ve been with their employer for at least 6 months and get paid a salary through Absa or another bank
• Credit Life:  1.35%
• Arrangement fee: Up to 2.75%

What you get

• Employees can borrow up to GHS220,000*
• Flexible repayment periods of 6-60 months
• Free credit protection
• Repayments are deducted from employees’ salaries
• Competitive interest rates and fees
• Easy approval
• Quick access to money
• Funds are available for virtually any purpose
• No collateral or security needed to apply for a loan
• Hassle-free application processes and quick approval times
• No sudden increases due to fixed interest rates
• Flexible repayment options based on other financial obligations
• Credit life insurance cover against death and permanent disability is available
• Affordable credit life insurance against death, permanent disability and retrenchment cover for 6 months.

What to bring when you apply

Absa account holders

• National photo ID card (or passport for non-Ghanaians)
• Completed loan application form
• Latest payslip

Non-Absa account holders

• National ID card (or passport for non-Ghanaians)
• A completed loan application form
• Most recent bank statements for the last 6 months (certified)

In addition to a preferential rate, your Platinum Credit Card gets you VIP access to over 850 airport lounges.

What you need to know

• A 6-month waiting period after first salary is paid into account
• A 24-month waiting period for all contract or non-permanent staff

Benefits

• Free travel insurance cover of up to GHS300,000 for 91 days anytime you travel
• Unsecured Premier loans up to a limit of GHS280,000 for a maximum tenor of 72 months
• Access to a cash-secured overdraft of up to 90% of your holdings with us or GBP100,000
• Access to exclusive mortgage at a preferential rate, based on your income
• Credit cards up to a limit of GHS60,000
• Unsecured overdraft facilities available
• Access to Visa Platinum International debit cards
• Free Hospital cash back (double benefit if hospitalised outside Ghana)
• Free retrenchment cover* of 3 times your monthly salary up to a cap of GHS10,000
  • Claims should be reported to any Absa branch within 90 days of the retrenchment with the following:
    • National ID, and Staff ID where applicable
    • Letter of termination from the previous employer
    • Bank account statement or pay slip for the last 3 months prior to retrenchment

Note that these are the average rate for the month.

Previous months:

• 2022
  • May: 14.11%
  • April: 13.855
  • March: 13.77%
  • February: 13.78%
  • January: 13.80%

This account is available to individuals 18-years and older and offers a secure and attractive method of saving funds at a competitive rate.

Key Features

• No minimum operating balance
• No monthly charges
• Mobile money wallet linkage
• Electronic banking services such as Z-Prompt, E- statement and internet banking are available on this account including VISA, MasterCard and EazyPay ATM cards.

Benefits

• Ease of accessing cash
• Competitive interest rate
• No restriction on withdrawals
• Free internet banking service and e-statement

Requirements

• Account opening form duly filled
• 2 passport-sized pictures,(name & signature on reverse)
• A valid national ID &Tin certificate (Passport/ Driver’s licence /Voter’s ID/NIA card/SSNIT card)
  Residence permit & non-citizen card (where applicable)
• Employer introductory letter (where applicable)
• Utility bill (not older than six months)
• Mandatory initial deposit

This account is available to customers 18-years and older and offers a secure, attractive method of saving funds at a competitive rate, while at the same time allowing for immediate access to funds via our in-house cheque clearance system.

Features

• No minimum operating balance
• Flexibility of third party cash withdrawals
• Competitive interest rate
• Mobile money wallet linkage
• Electronic banking services such as Z-Prompt, E- statement and Internet banking are available on this account including VISA, MasterCard and EazyPay ATM cards

Benefits

• Flexibility of third party cash withdrawals
• Competitive interest rate
• No restriction on withdrawals
• Free internet banking service and e-statement

Requirments

• Account opening form duly filled
• 2 passport-sized pictures,(name & signature on reverse)
• A valid national ID &Tin certificate (Passport/ Driver’s licence /Voter’s ID/NIA card/SSNIT card)
  Residence permit & non-citizen card (where applicable)
• Employer introductory letter (where applicable)
• Utility bill (not older than six months)
• Mandatory initial deposit

Experience a highly personalized approach to business banking that offers creative financial solutions for your business. See what you require to open a Limited Liability Company account and start to enjoy banking solutions that mean business.

Requirments

• Account opening form duly filled
• 2 passport-sized pictures, (name & signature on reverse) of each signatory
• A valid national ID &Tin certificate for signatories/directors/shareholders (Passport/ Driver’s licence /Voter’s ID/NIA card/SSNIT card)
  Residence permit & non-citizen card (where applicable)
• Board resolution
• Company registration documents
• Utility bill (not older than six months)
• Industry licence &GIPC (where applicable)
• Mandatory initial deposit
  NB: Please be advised that where copies of original documents are provided, original documents must be sighted.

Doing business is a breeze when you have the right account. So get an account that offers solutions to help you reach your goals. By providing resources and offering advisory services we will help you along on this journey because we consider your small business a pretty big deal.

Requirments

• Account opening form duly filled
• 2 passport-sized pictures, (name & signature on reverse) of signatory
• A valid national ID &Tin certificate for signatory (Passport/ Driver’s licence /Voter’s ID/NIA card/SSNIT card)
• Registration documents
• Utility bill (not older than six months)
• Mandatory initial deposit
  NB: Please be advised that where copies of original documents are provided, original documents must be sighted.

When you join your college buddy or your second cousin to set up a business, a lot of things could get very complicated very fast. Your bank account should not be one of them. Our partnership accounts are simple and straightforward, enabling you focus on running your business.

Requirments

• Account opening form duly filled
• 2 passport-sized pictures, (name & signature on reverse) of each signatory
• A valid national ID &Tin certificate for signatories/partners (Passport/ Driver’s licence /Voter’s ID/NIA card/SSNIT card)
• Residence permit & non-citizen card (where applicable)
• Board resolution
• Company registration documents
• Utility bill (not older than six months)
• Industry licence & GIPC (where applicable)
• Mandatory initial deposit
  NB: Please be advised that where copies of original documents are provided, original documents must be sighted.

When your alma mater forms a registered association of old students, or your golfing pals decide to take the friendship to the next level, our accounts for Clubs, Societies and Associations will come in very handy indeed, with clearly defined reporting that keeps everyone in the know.

Benefits

• Investment account with sweep services and attractive interest rates. Investments include: One and two-way sweep Call accounts, Fixed deposits and Zenith Investment Plan Account (ZIPA).
• Free internet banking.
• Recon tool for a reconciliation of pledges, donations and standing orders.
• Zenith Bank will donate 1% of annual average deposits on Current/Call accounts only towards identified projects in the society.
• Access to a dedicated Relationship Manager.
• Business advisory services including investment portfolio management options.

Requirments

• Account opening form duly filled
• 2 passport-sized pictures, (name & signature on reverse) of each signatory
• A valid national ID &Tin certificate for signatories (Passport/ Driver’s licence /Voter’s ID/NIA card/SSNIT card)
• Residence permit & non-citizen card (where applicable)
• Constitution of the Society/Club/Association
• Introductory letter (where applicable)
• Utility bill for each signatory & where society operates (not older than six months)
• Mandatory initial deposit
• Please be advised that where copies of original documents are provided, original documents must be sighted.

Providing spiritual guidance and efficiently managing the administration of a church can seem like a daunting proposition without the right banking support. Our church accounts offer high level transaction processing capabilities and an available customized app to help members fully engage with their church.

Benefits

• Free cash pickups on Sundays.
• Access to loans at concessionary rates.
• Cash management services.
• Investment advisory service with account sweep facilities.

Requirments

• Account opening form duly filled
  2 passport-sized pictures, (name & signature on reverse) of each signatory
• A valid national ID &Tin certificate for signatories/directors (Passport/ Driver’s licence /Voter’s id/NIA card/SSNIT card)
• Board resolution
• Registration documents
• Utility bill (not older than six months)
• Mandatory initial deposit

A convenient and flexible medium to make and receive payments. The account can be opened in individual or joint names.

Features

• Access to cheque book
• Electronic banking services such as Z-Prompt and internet banking are available on this account including VISA, MasterCard and EazyPay ATM cards.
• Current/Call account sweep facility.

Benefits

• Ease of making payments to third parties
• Mobile money wallet linkage
• Free internet banking service and e-statement

Requirments

• Account opening form duly filled
• 2 passport-sized pictures,(name & signature on reverse)
• A valid national ID &Tin certificate (Passport/ Driver’s licence /Voter’s ID/NIA card/SSNIT card)
  Residence permit & non-citizen card (where applicable)
• Employer introductory letter (where applicable)
• Utility bill (not older than six months)
• Mandatory initial deposit

Foreign exchange current account  facilitates smooth business transactions in the major trading currencies.

Features

• Allows customers the flexibility to transact business in foreign currency.
• Eliminates the need to carry large amount of cash.
• A secure depository for foreign currency.
• Cheque book issuance for easier payments.
• Enhances easy payments for purchases of goods and services.
• Allows funding from different sources – transfers (onshore, offshore) cash or cheques.
• Available in USD, EURO, GBP.
• Electronic banking services such as Z-Prompt, E- statement and Internet banking are available on this account.

Get Cover for the people you care about most. With this plan, you will get an immediate cash payout to cover loved ones’ funeral expenses .

What you need to know

• You need to be at least 18years old and above
• Optional cover for main life
• You can choose to cover a spouse, children  and extended family members (max 16 lives)
• Policy will pay the lump sum if you or any member you have insured dies during the period of cover

What you get

• No age limit
• Premium refund or full waiver
• Minimum payment term may be either 10years or 15years
• 100 % cover on all lives assured
• 5% cashback every year if there is no claim
• Life swap benefit
• No lapse
• 10 % surrender benefit
• 2 months premium holiday
• Hospitalization benefit for main life
• Double accidental benefit
• Sum assured ranging between GHS2,000 to 50,000
• Get a 10% discount on annual payment plan
• Optional cover for policy holder

What to bring when you apply

• Absa account holders 18 years and above

A term loan is a monetary loan that is repaid in regular payments over a set period of time. The borrower pays interest only for a set period. Term loans usually last between 1-3Years. A term loan usually involves an unfixed interest rate that will add additional balance to be repaid.

The DAUE / Cheque Discounting Product Program sets out the framework for overdrafts pending the clearance of local currency negotiable instruments, such as cheques and drafts, which have already been sent for collection /clearing.

These are facilities secured by customer’s cash holdings.

This is a facility offered to Management and staff members of entities that are GCB customers. The facility is intended to help the employees secure loans for their welfare and personal needs.

Features

• The Institution applies for the bulk facility from the Bank on behalf of their permanent employees.
• Accessible to both customers and non-customers of the bank
• Loan is approved for staff based on the Bank’s personal loan processes
• Facility is granted between 6months and 60 months
• Bulk repayment for all staff is made to the Bank at the end of every month.
• Interest rate is slightly lower than Personal Loan

Benefits

• Institutions are able to help improve the personal living conditions of their staff
• Win more customers to the Bank as some staff of the institutions are switched to GCB
• Deductions for repayments are done from source that reduces defaults rates.

Get access to extra cash to meet your day to day working capital and business expansion

Benefits

• Get up to US $1 million maximum loan facilty
• Enjoy Flexible repayment options
• Enjoy Fast lending solutions to address your cash or expansion needs

Features

• Structured Form Of Borrowing: Term Loans are a structured form of borrowing intended to finance specific transactions or assets.
• Short Term Loan: This is a contract between a borrower and the Bank where the customer is provided a loan amount either in local or foreign currency for a period not exceeding one year. Interest is charged on the individual drawings made under the loan at a rate agreed at the time of the drawing.
• Medium Term Loan: This is a contract between a borrower and the Bank whereby the Bank provides the borrower with an amount, for a period in excess of one year and up to 5 years. The principal and interest are paid over the tenor of the loan as per the agreed terms.
• Long Term Loan: This is a contract between a borrower and the Bank where Standard Chartered Bank provides the borrower with an amount in local currency for a period in excess of 5 years and up to 15 years. Principal and interest will be repaid over the tenor of the loan as per the agreed terms.

Our total trade solutions will assist you through the complexity of international trade

Benefits

• Get up to US $1 million maximum loan facilty
• Enjoy Flexible repayment options
• Enjoy Fast lending solutions to address your cash or expansion needs

Features

• Extensive network: Build your business by leveraging on our extensive international network that spans over 30 countries.
• One Stop Shop For All Trade Services: Provide a holistic import and export solutions to manage your business.
• Dedicated Specialists: A dedicated Relationship Manager to cater to your needs.
• Export Services: Get export services like Credit bills negotiation, Letter of credit confirmation and Bill discounting.
• Import Services: Enjoy import services like Letter of credit, Custom bonds and guarantees and Invoice financing.

We offer customised overdraft facilities to meet your working capital and short term funding needs

Benefits

• Helps to Manage your daily cash needs
• Get up to US $1 million maximum loan facilty
• Enjoy Flexible repayment options

Features

• Finance Your Day-To-Day Cash Flow Requirements: Borrowing facility repayable on demand, made available in connection with a current account for short-term.
• Flexible Form Of Borrowing: Overdrafts are a flexible form of borrowing for short-term rather than long-term financing for which other, more appropriate credit lines are available.

This solution ensures that your business has funds in place and available immediately if the unexpected happens via a short-term credit facility for immediate access to additional funds.

This solution pre-finances your businesses with a short-term credit facility accommodating your supply needs.

This solution gives your business a line of credit that may be used when required through a short- to mid-term line of credit.

Our Classic Credit Card lets you pay unexpected expenses. You can now enjoy up to 55 days interest free of convenience, flexibility and peace of mind.

What you get

What required when you apply

Absa account holders (salaried customers)

• National ID card (or passport for non-Ghanaians)
• Latest payslip
• Completed application form

Absa account holders (non-salary customers)

• National ID card (or passport for non-Ghanaians)
• Completed application form

New to bank customers

• 1 month account balance
• Completed application form

Existing customers

• National ID card
• 6 months' banking relationship with Absa to qualify
• Completed application form

Our unsecured loans help you meet your personal financing requirements

Benefits

• Earn high Points through 360° Rewards programme.
• Earn points on every GHS spent
• Up to 50 days interest free
• Get up to 2 supplementary cards for free without annual charges

Features

• Supplementary Cards: Get a maximum of 5 supplementary cards on your account.
• High Credit Limits: Get limits of up to GHS100,000 per card.
• Cash Advance: Withdraw up to 30% of your credit limit when needed.
• Worldwide Recognition: Your Standard Chartered Credit Card is welcomed in more than 23 million establishments, in more than 200 countries.
• Transaction Tracking And Repayments: View transaction details and make payments for your credit card via online banking, Cash Deposit Machines and ATMs, SC mobile, via transfers and through our branches.
• Complimentary Services: Free legal multilingual interpreter and medical referral services.
• Other Support Services: Emergency cash disbursement, telephone medical advice, inoculation and visa requirement information.
• Making Repayments: Settle your credit card bill through the Internet banking or mobile banking platform, a standing instruction or by visiting any of our branches.
• Standing Instructions: You can choose a standing instruction to debit your bank account for the minimum amount due or the total amount due on your credit card.
• Fraud Alert: Will alert you of any unusual card activity giving you added security.

Eligibility & Documents

• Age Requirement:
  • Primary Cardholder: 21+yrs
  • Supplementary Cardholder: 16+yrs
• Criteria:
  • Personal: Salaried Workers and Self Employed Professional (minimum monthly net income of GHS22,500). Client can be either New to Bank or Existing to Bank
  • Priority: Asset Under Management, Self Employed Persons, Self Employed Professionals. Client must be Existing to Bank
  • Secured: All clients (minimum of GHS2,300 to be held as security). Client can be either New to Bank or Existing to Bank and should be in the Priority Segment
  • Corporate Guaranteed: Per nomination from the employer
• Documents Required
  • Existing Account Holder:

Application Form
Terms of Agreement
Proof of income (current)
Current Identity Document (where applicable)

• • New-To-Bank Salaried Client:

Application Form
Terms of Agreement
Proof of income (current)
Valid Identity Document
Statement from the previous bank

• • Secured Credit Card Applicants:

Application Forms: Duly completed
Terms of Agreement
Letter of Set-off
Authority to place lien

When your work or leisure takes you to places, you want your card to be international too

Benefits

• Earn high Points through 360° Rewards programme. Earn points on every GHS spent
• Free lounge access to 1,000+ airports world wide
• Up to 50 days interest free

Features

• High Credit Limits: Get limits of up to GHS100,000 per card.
• Transaction Tracking And Repayments: View transaction details and make payments for your credit card via online banking, Cash Deposit Machines and ATMs, SC mobile, via transfers and through our branches.
• Dedicated Website: The Infinite card comes with a dedicated website club.
• Concierge Services And Lounge Access: Download the loungeKey app to know available lounges and track your visit history.
• Cash Advance: Withdraw up to 30% of your credit limit when needed.
• Supplementary Cards: You can access up to 5 supplementary cards on your account. You are not charged annual fees on the first 2 supplementary cards.
• Worldwide Recognition: Your Standard Chartered Credit Card is welcomed in more than 23 million establishments, in more than 200 countries.
• Reservation And Information Services: Reservation and information for Air travel, hotels, international apartment, chauffeur-driven car service, airport transfer service, car hire service etc.
• Travel Insurance: Full multi-trip travel insurance for 90 days.
• Complimentary Services: Free legal multilingual interpreter and medical referral services.
• Support Services: Emergency cash disbursement, telephone medical advice, inoculation and visa requirement information.
• Information On Other Services: Package holidays information service, rail and ferry information service, travel and health advice, insurance queries and currency advice etc.
• Online Fraud Protection: Cardholders receive purchase protection and extended warranty guarantees.
• Entertainment And Leisure: International dining, golf course information service, yacht chartering and event ticketing service.

Eligibility & Documents

• Age Requirement:
  • Primary Cardholder: 21+yrs
  • Supplementary Cardholder: 16+yrs
• Criteria:
  • Personal: Salaried Workers and Self Employed Professional (minimum monthly net income of GHS22,500). Client can be either New to Bank or Existing to Bank
  • Priority: Asset Under Management, Self Employed Persons, Self Employed Professionals. Client must be Existing to Bank
  • Secured: All clients (minimum of GHS2,300 to be held as security). Client can be either New to Bank or Existing to Bank and should be in the Priority Segment
  • Corporate Guaranteed: Per nomination from the employer
• Documents Required
  • Existing Account Holder:

Application Form
Terms of Agreement
Proof of income (current)
Current Identity Document (where applicable)

• • New-To-Bank Salaried Client:

Application Form
Terms of Agreement
Proof of income (current)
Valid Identity Document
Statement from the previous bank

• • Secured Credit Card Applicants:

Application Forms: Duly completed
Terms of Agreement
Letter of Set-off
Authority to place lien

This card is available to all Business Banking customers

Explore exclusive offers, rewards and benefits simply by using your Visa card

How to get it

• Be a registered business in Ghana – enterprise, limited liability company, society/club/association, partnership or sole proprietor
• Business registration documents
• Proof of identity of directors/shareholders/owner/partners
• Proof of business address.

The product is designed to offer credit facilities to permanent salaried workers to finance personal needs. This product program is targeted at all permanent salaried workers who work for government such as doctors, judges, lecturers, teachers, nurses, etc. and Tier 1 customers in line with the Bank’s enlistment criteria.

What you must know

• Supports our customers who need support for short-term needs.
• Insurance Fee: 1 % flat on facility amount payable upfront.
• Tenor: Maximum 48 months

This product is an asset finance loan which offers credit facilities to employees of companies approved by the Bank to part-finance the acquisition of personal assets.

What you must know

• Maximum of 12 months as tenor
• Customer would be able to acquire assets without pre-financing the purchase of these assets.
• Obligor limit: GHS 40,000 for household items and GHS 100, 000 for vehicles.

The product is designed to offer Credits to Public Service Staff whose salaries are paid through the Controller and Accountant General’s Department to finance a Personal Obligation or acquire Household Assets.

What you must know

• Supports our customers who are paid through Controller and Accountant General Department who need support for short-term needs.
• Grows retail assets on the consumer lending space.

This product is a salary advance loan intended to offer credit facilities to employees of blue chip companies approved by the Bank; with regular salaries who require financial assistance to meet urgent obligations before salary due dates.

What you must know

• Obligor limit: Up to 70% of employee’s one month’s salary net of taxes and all deductions
• Global limit: GHS1,000,000. (One million Ghana Cedis)
• Facility Fee: 2 % flat on facility amount payable upfront

Buy Now , Pay Later
The GCB Easy Pick is a Loan Scheme that allows GCB Bank customers to purchase products from GCB partner shops and pay for the products in installments. The products can be purchased from a wide variety of GCB Bank partnered vendors across the nation.

A Better Way To Shop
A highly accessible loan scheme for all

What you must know

• Salaried workers with a GCB Bank account

Requirements

• Must be a salaried worker
• Must have operated a GCB Bank account for six (6) months
• Three (3) months’ pay slips
• Fill an Easy Pick application form

Benefits

• Quick access to life’s necessities
• 24hr approval of loan
• Low payments
• Ability to choose from variety of vendors and products
• Quick and easy process

How to apply

• Pick up a GCB Easy Pick application form from any GCB Bank branch or any GCB Easy Pick partner shop.
• Complete and submit the application form and invoice for processing the loan at any GCB Bank branch.
• Go to vendor to pick up or arrange delivery of product
• Pick up an invoice for your product choice from the
• GCB Easy Pick vendor.
• Receive an SMS from GCB Bank communicating approval of loan.

This is a credit facility given to salaried workers (GCB account holders) within 24 hours for the purpose of meeting varied personal, family and household needs. The loan is repaid through regular installments every month for a specified period of time.

Features

• Automated loan processing
• Salaries must pass through customers account with the Bank
• Less than 24 Hrs to receive facility with all required documentation provided
• 6 to 36 months repayment tenure
• Interest rate is calculated using the reducing balancing method
• Loan can be applied for at any branch

Benefits

• Quick access to credit
• Customers receive a lump sum of money up front, allowing them to pay it back over a fixed term
• Interest rate and principal repayments are always fixed which helps in budgeting
• Top-up of facility is available

Personal line of credit is an efficient and convenient way of meeting all your short-term liquidity needs

Benefits

• Get Fair pricing markup charged only on the amount and number of days utilised
• Get up to 90% financing of your collateral value
• Experience Easy access to cash withdrawals from all our 30 ATMs across Ghana

Features

• Financing Cover Financing up to maximum of 70% for securities and 90% for fixed deposits.
• We offer the most competitive interest rates in the market. So you earn substantial returns on your investments and avail Personal Line of Credit facility to balance out your cash needs.
• Great Limits With the Personal Line of Credit you get financing up to 90% of your collateral value.
• Approved Collaterals: Fixed Deposits maintained with standard chartered bank and other investments like Bonds, Treasury bills and Mutual funds

Eligibility & Documents

• Age between 18-65 years old
• Valid Ghana mobile number

The freedom to borrow and pay back slowly

Personal Loan is an all-purpose loan, offering you flexible repayment plans and the option to access additional funds after repayment over time.

So whatever you’re financing, it’s easy to lean on us.

Features

• Purpose of loan need not be disclosed
• No tangible collateral required

Access funds without breaking into savings

If you have existing deposits or investments with Ecobank, Cash Backed Loan is a pre-approved, low interest loan that can help you access your cash without liquidating your savings.

Features

• Overdraft or term loan
• Access up to 90% of funds

Short-term help with cashflow

If you’re suddenly faced with unexpected financial needs, we can help. Advance Facility allows you to get fast access to up to 50% of your net monthly salary.

Features

• Renews every 30 days for up to a year
• Charges only apply on utilised amount
• Available to Ecobank customers of at least three months
• Ecobank Advantage/Premier Account required

Easily manage your vacation expenses

Travel Loan offers you a simpler way to manage your vacation expenses, and includes discounts on tickets prices and hotel accommodation.

Features

• Convenient repayment plans

Help to get you to payday

Providing instant access to funds for emergencies, Salary Advance is a 30-day overdraft facility, offering employees of approved organisations access to up to 40% of their net monthly salary.

Features

• For short-term financial needs
• Available to Ecobank customers of at least three months

Fixed Term Loans (FTL): A short-term personal loan is ideal if you earn a minimum net salary of GHS400 a month

What you should know

• Minimum Monthly Income: GHS 400
• Minimum loan amount: GHS 500
• Maximum Loan Limit: GHS 10,000

What you get

• Flexible repayments through a Stanbic salary account or direct payroll deduction
• Minimum loan term of 12 months
• Maximum loan repayment term tied to retirement age up to 48 months
• Loan repayments should not be more than 45% of your net monthly income
• Competitive interest rates and facility fees
• Credit Life Insurance that covers permanent disability and death
• Top-up option available for existing loans after consistent repayment

How to get 

• You must work for an organisation profiled by us
• You have to be in employment for at least six months and confirmed in current job role
• You must have held an account with us for at least one month. (For salaried account holders)
• You do not need to have an account with us for direct payroll deductions
• Must be 21 years and not more than 60 years by facility expiry
• Ghanaian citizen or legal resident in Ghana (expatriates)
• Fill in the Unsecured Personal Loan application form and attach the following documents
• Proof of income – last three months’ payslips
• Proof of identity – passport, driver’s licence, Voters’ Identity Card
• Proof of address – utility bill less than three months old
• Letter of Undertaking from employer
• Six months’ bank statements (for new customers only)
• Passport photo (Direct payroll deduction customers only)
• Loan will be approved subject to a positive credit bureau report

Revolving Term Loan (RTL): A short- to medium-term revolving personal loan if you earn a minimum net salary of GHS700 a month

What you should know

• Minimum Monthly Income: GHS 700
• Minimum loan amount: GHS 2,000
• Maximum Loan Limit: GHS 50,000

What you get

• Flexible repayments through a Stanbic salary account or direct payroll deduction
• Minimum loan term of 12 months
• Maximum loan repayment term tied to retirement age up to 60 months
• Loan repayments should not be more than 45% of your net monthly income
• Competitive interest rates and facility fees
• Credit Life Insurance that covers permanent disability and death
• Top-up option available for existing loans after consistent repayment

How to get 

• You must work for an organisation profiled by us
• You have to be in employment for at least six months and confirmed in current job role
• You must have held an account with us for at least one month. (For salaried account holders)
• You do not need to have an account with us for direct payroll deductions
• Must be 21 years and not more than 60 years by facility expiry
• Ghanaian citizen or legal resident in Ghana (expatriates)
• Fill in the Unsecured Personal Loan application form and attach the following documents
• Proof of income – last three months’ payslips
• Proof of identity – passport, driver’s licence, Voters’ Identity Card
• Proof of address – utility bill less than three months old
• Letter of Undertaking from employer
• Six months’ bank statements (for new customers only)
• Passport photo (Direct payroll deduction customers only)
• Loan will be approved subject to a positive credit bureau report

Employer Managed Scheme Loan (EMS): A short- to medium-term personal loan structured for salaried employees on our Workplace Banking Group Scheme who earn a minimum net salary of GHS300 a month at negotiated concessionary rates

What you should know

• Minimum Monthly Income: GHS 300
• Minimum loan amount: GHS 500
• Maximum Loan Limit: GHS 50,000

What you get

• Flexible repayments through a Stanbic salary account or direct payroll deduction
• Minimum loan term of 12 months
• Maximum loan repayment term tied to retirement age up to 60 months
• Loan repayments should not be more than 45% of your net monthly income
• Competitive interest rates and facility fees
• Credit Life Insurance that covers permanent disability and death
• Top-up option available for existing loans after consistent repayment

How to get 

• You must work for an organisation profiled by us
• You have to be in employment for at least six months and confirmed in current job role
• You must have held an account with us for at least one month. (For salaried account holders)
• You do not need to have an account with us for direct payroll deductions
• Must be 21 years and not more than 60 years by facility expiry
• Ghanaian citizen or legal resident in Ghana (expatriates)
• Fill in the Unsecured Personal Loan application form and attach the following documents
• Proof of income – last three months’ payslips
• Proof of identity – passport, driver’s licence, Voters’ Identity Card
• Proof of address – utility bill less than three months old
• Letter of Undertaking from employer
• Six months’ bank statements (for new customers only)
• Passport photo (Direct payroll deduction customers only)
• Loan will be approved subject to a positive credit bureau report

A Stanbic Salary Advance is a personal overdraft tailored to meet your cash flow needs if you earn a salary. It is a cash bridging facility against your next pay cheque or salary credit. It is designed to help cover small but urgent unexpected expenses between pay days

What you should know

• Minimum Monthly Income: GHS 700
• Minimum Overdraft Limit: GHS 100

Key Features

• Access Anytime - Draw money whenever you need it from an overdraft that’s always available
• Convenience - Monthly pay back of used limit or a clean-up cycle of 30 days
• Pay as you go - Pay interest only on the amount that you’ve used during the month
• No Fuss - Avoid minimum monthly repayments, with full settlement the instant your salary is paid

What you get 

• An advance of up to 60% of your disposable net monthly salary (after all monthly loan deductions and commitments have been paid)
• Minimum overdraft limit of GHS100
• Facility limit renewal subject to satisfactory account performance
• Monthly pay back of used limit or a clean-up cycle of 30 days
• Facility fee of 2% (minimum GHS50) charged on approved limit and at each renewal
• No maximum overdraft limit
• Credit Life insurance premium of 0.84% on approved limit against death and permanent disability
• Interest applies only on portion of overdraft used each month

How to get 

• Work for any Stanbic profiled organization
• Earn a minimum salary of GHS400 a month
• Minimum salaried account relationship of:
  • One month - Workplace Banking Scheme companies/organizations
  • Three months – non-Workplace Banking Scheme companies/organizations
• Customers with salaried Stanbic Current Account
• Fill in a Personal Overdraft/Salary Advance application form and attach the following documents:
• Statement of account from previous bank (new to bank applicants only)
• Pay slips from the past three months
• Overdraft will be approved subject to a positive reference from credit bureau

Our Consumer Finance Term Loan is an unsecured personal loan used to finance consumer appliances and products on a short-term basis through our partner vendors or dealers. Loans are available to customers earning a minimum net salary of GHS400 a month.

What you should know

• Minimum Loan Amount GHS 10,000
• Facility fee: 2%

Key Features

• Easy to get -Check how much you qualify for online before applying
• Your terms - Choose to repay your loan at the pace you're comfortable with
• Flexibility - Top-up option available for existing loans after consistent repayment
• Insurance - Credit Life Insurance that covers permanent disability and death

What you get 

• Loans range from GHS500 to GHS10 000
• Loan terms from 6 to 12 months
• Maximum loan term tied to your retirement age
• Competitive interest rates, fixed for the term of your loan
• Facility fee of 2% of loan amount
• Credit Life Insurance that covers permanent disability and death
• Can be taken as a second unsecured term loan with us
• Flexible repayment options through salary account with us or direct payroll deduction by employer

How to get 

• Be a salaried employee permanently employed with employment confirmed
• Be a salaried income earner working for any of our Workplace Banking Scheme companies
• Earn a minimum salary of GHS400 a month
• Be over 21 years and not more than 60 years on expiry of the term of your loan.
• Choose product/s from vendor’s shop or catalogue
• Fill in a loan application and attach the following supporting documents:
• Letter of Undertaking from employer
• Pro-forma invoice from vendor/dealer
• Statement of account from previous bank (new customers only)
• Confirmation of current salary or pay slip
• Give your filled in application form to a consultant at a branch/Executive Banker or PSC or vendor’s sales officer
• Loan is approved subject to a positive report from credit bureau and amount is then paid to the vendor
• You arrange for delivery of the product or items financed from the vendor

This product is a medium term asset finance loan which offers credit facilities to SME customers who have operated their accounts satisfactorily and demonstrate the need for a vehicle to support their operational activities. The Bank will finance 80% of the asset cost of the vehicle whilst the customer makes an equity contribution of not less than 20%.

This solution meets your assets needs through structured and comprehensive funding solutions.

Help to buy a vehicle or generator

Auto Loan or Asset Acquisition can help you make your dreams of purchasing a new vehicle or generator a reality, by offering you up to 90% of the cost of the asset.

Features

• Sold by approved Ecobank vendors
• Convenient repayment plans

Our Vehicle and Asset Finance (VAF) is a medium-term facility tailored for our salaried and non-salaried customers to buy movable and immovable assets, such as motor vehicles and power generators for your own use.

What you should know

• Minimum Loan Amount: USD 10,000
• Minimum Loan Amount: No Limit

Key Features

• Your terms - Choose to repay your loan at the pace you're comfortable with
• Self-service - Manage repayments on the go using our mobile banking app
• Currency Options - Facility available in US dollars and cedis
• Flexible repayment - Flexible repayment options through our salary account or direct payroll deduction

What you get 

• An advance of up to 60% of your disposable net monthly salary (after all monthly loan deductions and commitments have been paid)
• Minimum overdraft limit of GHS100
• Facility limit renewal subject to satisfactory account performance
• Monthly pay back of used limit or a clean-up cycle of 30 days
• Facility fee of 2% (minimum GHS50) charged on approved limit and at each renewal
• No maximum overdraft limit
• Credit Life insurance premium of 0.84% on approved limit against death and permanent disability
• Interest applies only on portion of overdraft used each month

How to get 

• Work for any Stanbic profiled organization
• Earn a minimum salary of GHS400 a month
• Minimum salaried account relationship of:
  • One month – Workplace Banking Scheme companies/organizations
  • Three months – non-Workplace Banking Scheme companies/organizations
• Customers with salaried Stanbic Current Account
• Fill in a Personal Overdraft/Salary Advance application form and attach the following documents:
• Statement of account from previous bank (new to bank applicants only)
• Pay slips from the past three months
• Overdraft will be approved subject to a positive reference from credit bureau

We offer customised overdraft facilities to meet your working capital and short term funding needs

Benefits

• Enjoy Flexible Repayment Method
• Enjoy High financing up to 80% of the property’s purchase price
• Get Access to additional funds for your business using your property

Features

• Extensive Property Coverage: Commercial Units, Industrial Units, Shop-houses and Residential Units.
• Simple Hassle Free Application Process: We have simplified the documents you need you need to produce with your facility application so that you can focus on building your business.
• Flexibility With A Business Current Account: Repay your loan and withdraw money directly from the current account.
• Access To Straight2Bank: Access to Straight2Bank (online banking facility).

Eligibility & Documents

• Application Eligibility
  • Sole proprietorships, Partnerships or Private Limited Companies
  • Business registered in Ghana
  • Minimum 3 years of business operations
• Documents Required
  • ID or Passport of all directors/shareholders/guarantors
  • Board of Directors’ resolution
    Memorandum & Article of Association (or Constitution)
  • Certificate of incorporation/registration
  • Latest 6 months bank statements of main operating account
  • Latest audited financial statements (if applicable)
  • More details to be provided by the sales officer

Help towards buying or renovating a new home

Whether you’re buying a new home, or renovating or refinancing the home you live in now, Mortgage Loan is the ideal way to finance it.

Features

• Repay conveniently over up to 10 years
• Available for completed buildings only

Take the first step to owning your home with a personal mortgage which you can pay back over a long term.

What you should know

• Year to repay: 5 - 20 years
• Facility fee: 2%
• Earn a minimum net salary of GHS2,000 or USD1,500 a month

Key Features

• Loan Choices - Choose from 6 different home loan products
• No Limits - No maximum loan amount (totally dependent on income)
• Best Value - Competitive variable interest rate in GHS, USD, GBP or EUR
• Your terms - Choose to repay your loan at the pace you're comfortable with

Conditions

• Loan must be repaid in full over an agreed period by:
  Standing order from a Stanbic Bank salary account.
• Direct payroll deduction by employer (Workplace Banking Schemes).
• Insurance - On approval of your home loan, you need to take out compulsory life insurance and property insurance against fire and other perils.

Options

• Home Purchase
• Developer Construction
• Refinancing
• Equity Release
• Home Improvement
• Employer Group Mortgage Scheme

How to get 

• Work for any Stanbic profiled organisation
• Be permanently employed
• Be a high net worth individual considering buy-to-let options
• Be over 21 years and under 60 years by the end of the loan term.
• Complete a Home Loan Application form and provide the following supporting documents:
  • Proof of income – past three months’ payslips
  • Proof of past two years’ employment
  • Proof of identity – passport, driver’s licence, Voter’s Identity Card
  • Proof of residence
  • Offer letter from developer (for Home Purchase, Developer Construction and Employee Mortgage Scheme)
  • Bill of quantities, building plan and permit (for home improvement and developer construction)
  • Property title documents (To begin title search)
  • A Valuation Report from one of our approved valuers will also have to be given to us
    Loan will be approved subject to a positive credit bureau report

This savings product is designed to attract deposits from Businesses with high credit turnover and high transactional needs. It is aimed at growing the bank’s deposit base and reducing the bank’s cost of funds.

What you must know

• Instant Transaction Alert
• Easy access to funds 24/7 via any GH-linked ATM
• Ability to issue cheques for third party withdrawals
• Secure way to build funds

If you want to save for yourself or your family’s future, open a GCB Savings Account. Start earning interest on your balance and watch your savings grow. A Savings Account can be opened by any individual, entrepreneur, society, club, trader, business or corporation.

Key account benefits

• One passport-sized photograph.
• Valid photo identity (Passport /Driver’s License / Voter ID).
• Proof of residential and postal address (any of the following):
• Utility bill
• Tenancy agreement
• Employer’s reference letter
• Initial minimum balance to be maintained at all times.

When you are running a small to medium business, you want your banking to be quick and easy. It is with GCB. We add value to your hard work by providing comprehensive banking support, whether you are just getting started or have a well established business that needs some extra help.

What you get

• Current, savings, deposit and foreign exchange accounts.
• Business debit card.
• Short to medium term loans and overdraft facilities.
• Bulk cash collection.
• Payroll solutions.
• Import and export finance.
• Letters of credit.
• Bills for collection.
• Fast and easy local and international money transfer and remittance.
• Business development and advisory services.
• Insurance solutions.
• Bonds and Guarantees.
• Corporate internet banking.

Personal business relationships

Our business development staff are trained professionals, dedicated to making your business run better. In addition to providing business and financial advice tailored to your growth plans, they can also help liaise with:

• Training and support agencies
• Organise training programmes, workshops and seminars
• Offer services on stock and credit control mechanisms
• Budgetary and costing procedures
• Lending borrowing and treasury rates
• Payroll
• And more!

A business account that offers attractive interest rate, ideal for business with excess funds

Benefits

• Get Free unlimited access to your account anywhere through Straight2Bank
• Enjoy preferential Pricing on transactions charges via Straight2Bank
• Earn High interest on depositInitial Opening Balance: Initial opening balance of GHS4,000.
  Cheque Book: Customized cheque book.
• Tighter Security And Control: Gain more security and control over your transactions and processes.
• Free Online Banking Services: Free eStatements, online banking facility and E-Alerts on your account.

A Business Savings Account allows businesses to save surplus funds at competitive rates.

What you need to know

• Minimum opening deposit of only GHS200
• Minimum balance to earn interest is GHS500

What you get

• Investment not tied to a fixed period
• Competitive interest rates
• May be used to secure loans and overdrafts.

How to get it

• Be a registered business in Ghana – enterprise, limited liability company, society/club/association, partnership or sole proprietor
• Business registration documents
• Proof of identity of directors/shareholders/owner/partners
• Proof of business address.

Do you want to enjoy good future value for your money invested today? Then take advantage of ADB savings account. We offer a wide array of products from call account to a fixed deposit at competitive interest-yielding rate.

Features and benefits:

• Attractive interest rates
• Very affordable initial deposits
• Flexibility of transactions
• Daily interest calculated
• Fixed deposit with roll over options
• Availability of ATM facilities.
• No Limit to withdrawals
• Minimum available balance
• Standing order instructions
• Savings withdrawal books

Our Premier Bonus Savings Account can help you build your financial future successfully.

What you need to know

• A 6-month waiting period after first salary is paid into account
• A 24-month waiting period for all contract or non-permanent staff

Benefits

• Free travel insurance cover of up to GHS300,000 for 91 days anytime you travel
• Unsecured Premier loans up to a limit of GHS280,000 for a maximum tenor of 72 months
• Access to a cash-secured overdraft of up to 90% of your holdings with us or GBP100,000
• Access to exclusive mortgage at a preferential rate, based on your income
• Credit cards up to a limit of GHS60,000
• Unsecured overdraft facilities available
• Access to Visa Platinum International debit cards
• Free Hospital cash back (double benefit if hospitalised outside Ghana)
• Free retrenchment cover* of 3 times your monthly salary up to a cap of GHS10,000
  • Claims should be reported to any Absa branch within 90 days of the retrenchment with the following:
    • National ID, and Staff ID where applicable
    • Letter of termination from the previous employer
    • Bank account statement or pay slip for the last 3 months prior to retrenchment

Get rewarded with a bonus payment on your interest earned. With our Bonus Savings Account you earn interest on tiered levels so, the more you deposit, the more you get back. Better yet, you can get a bonus payment on the earned interest – giving you even more incentive to save.

What you need to know

• The minimum operating balance is GHS50
• There are no maintenance fees

What you get

• Earn bonus interest if you forego withdrawals in any given month
• High return on savings
• Interest calculated daily and paid monthly
• Low-risk interest bearing account
• Simple way to accumulate funds for your goals
• Money kept safe for times you need it most
• The more you save, the more interest you earn
• Free deposits
• Free internet banking
• Free mobile banking

What to bring when you apply

Absa account holders

• National ID card (or passport for non-Ghanaians)
• Completed application form

Non-Absa account holders

• National ID card (or passport for non-Ghanaians)
• Proof of residence
• Two passport photos
• Completed application form

Target your saving goals with precision for the next 6 months to 5 years. Target your saving goals with precision – whether it’s for education, a special occasion or even a holiday. You can choose the term you want to save for and get the added benefit of insurance cover.

What you need to know

• Must have an existing primary account
• Minimum opening balance of GHS50
• Minimum monthly deposit of GHS50
• There are no maintenance fees

What you get

• Save towards a specific goal over 6 months to 5 years
• Insurance cover for permanent total disability and death
• Interest rates applicable will be tiered on balances held
• Low risk interest bearing account
• Simple way to accumulate funds for your goals
• Money kept safely for times you need it most
• The more you save, the more interest you earn
• Free deposits
• Free internet banking
• Free mobile banking

What to bring when you apply

Absa account holders

• National ID card (or passport for non-Ghanaians)
• Completed application form

Non-Absa account holders

• National ID card (or passport for non-Ghanaians)
• Proof of residence
• Two passport photos
• Completed application form

Ideal for students, this account comes with zero opening fees. Target your saving goals with precision – whether it’s for education, a special occasion or even a holiday. You can choose the term you want to save for and get the added benefit of insurance cover.

What you need to know

• The minimum operating balance is GHS0

What you get

• Free e-banking services
• Interest on balance
• International debit card
• No maintenance fees
• Ready to work guidance (job placement)

What to bring when you apply

• Student card
• Admission or introductory letter for school
• National ID card (or passport for non-Ghanaians)
• Address confirmation
• Completed application form

Get a head start with this savings account for children. Invest in their future by teaching them the value of saving right from the start.

What you need to know

• The minimum operating balance is GHS50
• There are no maintenance fees

What you get

• High return on your savings
• Interest calculated daily and paid monthly
• Monthly bonus interest
• Safe and secure

What to bring when you apply

For a child

• Original birth certificate

For the parent/guardian

• National ID card (or passport for non-Ghanaians)
• Address confirmation
• Copy of payslip or completed income declaration form

An instant access account to save on behalf of a child below 18 years. The account will be operated on behalf of the children/teens by parents/guardians who wish to nurture the habit of saving in their wards. This product is aimed at providing an opportunity for children to acquire the habit of saving for a brighter future.

What you get

• Security as it is saving towards the child’s future
• Higher Interest earned on Savings
• Discounts available at selected bookshops

This product is designed for individuals for a specific period aimed at building funds to meet specific goals e.g. weddings, engagements, school fees, holidays, medicals, etc.

What you get

• Deposits can be made via a direct debit to give convenience
• Higher interest rate offered than the standard savings rate
• Safe way to build up funds to achieve goals

Atlantic Save is a plain vanilla savings product that offers customers an avenue to operate a build-on reserve fund for future use.

What you get

• Convenient access to funds through any GH-link branded ATM
• Secure means of building funds
• Instant Transaction Notification

A hybrid interest bearing current and savings account targeted at individuals with high credit turnover and high transactional needs.

What you get

• Easy access to funds 24/7 via any GH-linked ATM
• Secure means of building funds
• Instant Transaction Alert

If you want to save for yourself or your family’s future, open a GCB Savings Account. Start earning interest on your balance and watch your savings grow. A Savings Account can be opened by any individual, entrepreneur, society, club, trader, business or corporation.

Key account benefits

• One passport-sized photograph.
• Valid photo identity (Passport /Driver’s License / Voter ID).
• Proof of residential and postal address (any of the following):
• Utility bill
• Tenancy agreement
• Employer’s reference letter
• Initial minimum balance to be maintained at all times.

If you want to save for yourself or your family’s future, open a GCB Savings Account. Start earning interest on your balance and watch your savings grow. A Savings Account can be opened by any individual, entrepreneur, society, club, trader, business or corporation.

What you should know

• The birth Certificate of the beneficiary should be included in the requirements.
• One passport-sized photograph.
• Valid photo identity (Passport /Driver’s License / Voter ID).
• Proof of residential and postal address (any of the following):
• Utility bill
• Tenancy agreement
• Employer’s reference letter
• Initial minimum balance to be maintained at all times.

If you want to save for yourself or your family’s future, open a GCB Savings Account. Start earning interest on your balance and watch your savings grow. A Savings Account can be opened by any individual, entrepreneur, society, club, trader, business or corporation.

What you should know

• A trust deed should be included.
• One passport-sized photograph.
• Valid photo identity (Passport /Driver’s License / Voter ID).
• Proof of residential and postal address (any of the following):
• Utility bill
• Tenancy agreement
• Employer’s reference letter
• Initial minimum balance to be maintained at all times.

This is an account opened for students in all educational institutions.

Features

• It is a current account
• No over-the-counter transactions
• Transactions are purely based on ATM, POS, Mobile
• Banking
• No cheque book issued
• Access to other e-products
• No minimum balance required
• Minimal Initial Deposit
• Non-interest bearing account

Benefits

• Cultivate the habit of savings
• Helps to manage funds
• Easy access to funds through alternate channels
• Free ReadyCash cards, Free Mobile Banking, Free Internet Banking
• No e-service charge

What required when you apply

• Valid photo identity (Passport /Driver’s License / Voter ID).
• Proof of residential and postal address (any of the following):
  • Utility bill
  • Tenancy agreement
  • Employer’s reference letter
• Initial minimum balance to be maintained at all times.

Do you want to experience an account which allows salary workers to conveniently receive their monthly salary with added benefits?

Features

• Account is operated by workers in government, public and private institutions
• Low account opening amount of GHS50.00 and operating balance of GH¢10.00

Benefits

• No limit to withdrawals
• Daily Credit interest accrual which is applied monthly
• Third party cheque withdrawals
• Easy access to ADB Personal Loan
• Easy access to funds across Ghana through any ADB Branch

Take total control of your finances whiles in school, get ADB student save account today.

Features

• A Savings account
• Initial account opening deposit of GH¢20.00
• Low interest bearing amount GH¢50.00
• Regularization of account after school
• ADB Quick cash for 24/7hrs
• Mandatory for the students’ save account to be opened by the customers at any ADB branch of their choice

Seeking the best investment for your child, choose ADB Mmofra account today.

Features & Benefits

• A Savings account
• Account to be opened and operated in trust for a child between the ages of 1 day and 18 years
• Initial account opening deposit of GH¢20.00
• Account can be used as collateral for a short term facility by the parents on any ADB asset products
• Parents/Guardians to establish a standing order from ADB or other banks
• Minimum monthly balance of GH¢50.00 attracts interest
• Maximum 3 withdrawals to coincide school calendar

With our Foreign exchange account, you’re guaranteed to transact on domestic and international markets, you can also mitigate risk and manage transaction opportunities.

What you get

What required when you apply

• To qualify for this account, you must have a current account

This is a non-interest bearing account which enables account holders to handle all their day-to-day banking transactions. This account can either be singular or joint.

What you get

• Enjoy full access to your account via eBanking suite
• Share your account with trusted family or business partners by signing up for a joint account
• Access to bank’s Salary Advance and other credit facilities

This product is a non-interest bearing demand-deposit account (DDA) for Corporate Organizations, SMEs, businesses in which funds deposited are payable on demand either in person or by presentation of a cheque by a third party, bank draft, direct debit or electronic fund transfer.

What you must know

• Access to e-banking products eg. SMS alerts, ATM services
• Cash collection services available
• Dedicated Relationship Manager
• Free monthly email statement

You do business with ease and gain from networking opportunities and international trips, as well as extended banking hours.

What you can expect

• Extended banking hours and access to dedicated suites.
• Access to our annual trade fair and international trips.

What you get

• Access to training and network opportunities
• Business network on international trips
• Access to our annual trade fair
• Access to a chequebook for your business
• Access to dedicated a dedicated relationship manager
• Free Access to Online Banking

What to bring when you apply

• Certificate of incorporation or certificate of compliance, if not locally incorporated
• Memorandum and articles of association
• Company TIN certificate
• Board resolution specifying the signing powers on the company letterhead sealed with the company seal
• Signed Absa account opening pack (sealed)

Limited liability companies

• National ID card (or passport for non-Ghanaians) for all directors and signatories
• 1 passport photo each for all the directors and signatories
• Proof of residential address for all directors and signatories
• Company physical address confirmation

Sole proprietorship

• Certificate of registration
• National ID card (or passport for non-Ghanaians)
• 1 passport photo of sole proprietor
• Signed Absa account opening pack (sealed)
• Proof of residential address for all directors and signatories
• Company physical address confirmation

You get all the business banking support you need, including cash handling solutions.

What you can expect

• Bulk cash collection and delivery, as well as on-site tellers.
• Flexibility to pay separately per transaction.

What you get

• Deposits and withdrawals can be made without prior notice.
• Get the full range of payment and collection instruments like cheques, international payments via SWIFT or domestic payment – ACH and or other payment switches.
• Access your account and make payments via our online banking portal.

What you need to know

• Non-interest bearing
• Instant-access bank account
• Account currency is both local and foreign

What to bring when you apply

Company documents

• Copy of certificate of incorporation
• Copy of certificate to commence business
• Copy of certificate of registration (where external)
• Copy of company regulations or articles of association
• Form 3 confirming registered office address
• Form 20 and 21 where a firm is registered as an external company
• Regulatory license or certificate (where necessary)

Signatories (to be provided for all signatories)

• ID document
• Address confirmation document
• Hometown
• Resident permit

Shareholders (shareholding of 10% or more shares)

• ID document
• Address confirmation document

Shareholders (shareholding above 10% where the company is subsidiary or holding)

• Copy of certificate of incorporation
• Shareholding structure and shareholders’ DOB profile
• ID of UBO (ultimate beneficiary owners)
• UBO address

Company directors (all directors and key controllers i.e. Chairman or CEO, CFO and COO)

• Name
• Date of birth
• Nationality
• Current country of residency
• Hometown
• ID number (passport or driver’s license)

Other documents

• Fully completed application pack
• Group structure or organogram
• Appointment of bankers and mandate to bank form
• Board resolution to open account
• Management and control structure

It’s affordable and tailored for your international business needs and you can transfer money to your preferred destination quickly and safely.

What you get

• Deposits and withdrawals can be made without prior notice.
• Get the full range of payment and collection instruments like cheques, international payments via SWIFT or domestic payment – ACH and other payment switches.
• Access your account and make payments via our online banking portal.

What you need to know

• Non-interest bearing
• Chequebooks issued
• Can receive only offshore foreign currency funds

What to bring when you apply

• To qualify for this account, you must have a current account.

The future of work is changing and small and medium-sized enterprises hold the key to employment avenues. Ghana has a developing start-up ecosystem in need of support (market access, finance, mentorship and visibility). Our StartUp solution offers new business owners an exciting opportunity to partner with a progressive, forward-looking financial partner with a heart for start-ups. That’s how we help you to get things done.

What you get

• Mentors in the industry will coach entrepreneurs on having a good business plan, accessing finance and packaging, marketing and selling their products.
• We will connect entrepreneurs to our wide database of customers excelling in their various disciplines.

What you need to know

• Zero transaction costs
• Free transactions on digital channels
• Free local transfers
• Access to enterprise business solution services
• A dedicated relationship manager
• Networking opportunities
• Capacity building opportunities
• Must be Ghanaian-owned start-up business
• Must be registered for less than 3 years
• Must be engaged in production of goods/services

What to bring when you apply

• Pick up an account opening form from any Absa Bank branch, complete and submit to the branch/relationship manager and we will contact you.

Now there’s a business banking solution designed for women entrepreneurs that goes beyond banking. Absa Emerge gives you access to expert business advice, exclusive networking opportunities, lower interest rates on loans and COT free banking and exciting lifestyle benefits that help you balance your busy life.
That’s Africanacity. That’s Absa.

What you need to know

Platinum

• COT free banking
• Unsecured loan up to GHC500,000
• 1.5% discounts on credit facility
• Dedicated Relationship Manager
• Access to Prestige Centres and Premier Suites
• Free financial and business advisory services
• International travel opportunities
• Access to business seminars and networking events
• Free executive business training
• Free health education and screening
• Access to health related networking events
• Access to Absa Fitness Centre
• Free children boot camp programs
• Discounted offers from partners:
  -Beauty and Health
  -Hospitality
  -Travel and tourism

Gold

• COT free banking
• Unsecured loan up to GHC500,000
• 1% discounts on credit facility
• Dedicated Relationship Manager
• Free business training and education
• Free business mentorship
• Free financial and business advisory services
• International travel opportunities
• Access to business seminars and networking events
• Free health education and screening
• Access to health related networking events
• Free children boot camp programs
• Access to Prestige Centres and Premier Suites
• Discounted offers from partners:
  -Beauty and Health
  -Hospitality
  -Travel and tourism

Sliver

• COT free banking
• Unsecured loan up to GHC500,000
• 0.5% discounts on credit facility
• Dedicated Relationship Manager
• Free business training and education
• Free business mentorship
• Free financial and business advisory services
• Access to business seminars and networking events
• Free health education and screening
• Access to health related networking events
• Free children boot camp program
• Discounted offers from partners:
  -Beauty and Health
  -Hospitality
  -Travel and tourism

A business account that offers attractive interest rate, ideal for business with excess funds

Benefits

• Get Free unlimited access to your account anywhere through Straight2Bank
• Enjoy preferential Pricing on transactions charges via Straight2Bank
• Available in Multiple currencies such as GHS, USD, GBP and Euro

Features

• Dedicated Specialist: A dedicated relationship manager to support to build your business.
• Tighter Security: Gain more security of funds for lost/stolen cheques through stop payments.
• Straight2Bank: Online banking platform designed for all your business transactional needs. Straight2Bank internet banking offered on request.
• Minimum Account Opening Balance: Minimum account opening balance of GHS4,000.
  Cheque Book: Operated by use of cheques.
• Monthly Service Fees: Subject to monthly service fee.
  Ease Of Operating Account: Account holders can appoint known agents to operate account.
• Flexible Payment Options: Ease of payments by use of cheques and standing orders and receiving payments through account.

Manage your business more efficiently with the Ecobank Business Account which comes with a bundle of digital solutions to suit your unique business needs.

Features

• EcobankPay – for fast, cashless QR code payments
• Omni Lite – online banking made for businesses
• Google My Business – which gives you a FREE website and optimises your online profile – making it easy to connect with customers

Then choose a tailor-made banking pack to access more services designed for your type of business

Required documents

To apply for the Ecobank Business Account, you will be required to upload the following documents:

• Identification documents
  • International Passport
  • National ID
  • Proof of Residence
• Customer Photos
  • Personal Photo / Selfie
• Business
  • Certificate of Residence

We deliver an end to end holistic offering/solutions through thorough understanding of your business underpinned by a strong relationship team and product & services specialist support respectively. Our Transactional account gives you access to a wide range of banking services and value added features.

Transactional Banking Services

• Manufacturing
• Trader Financing
• LC/BC
• Bank Guarantee
• Telegraphic Transfers

Liquidity Management

• Contract Financing
• LPO
• IDF
• BDC
• Stock
• Distributor

Growth Financing

• Fixed Assets
• Property

Local and International Trade

• Manufacturing
• Trader Financing
• LC/BC
• Bank Guarantee
• Telegraphic Transfers

Stanbic Bank Enterprise Banking is your business financial partner in every new step on your business journey to success. We recognise you as a skilled and highly accomplished individual and we acknowledge your need for bespoke banking solutions and tailor-made packages, in the constant pursuit of your great idea or venture and making your Business, more secured. Our transactional account gives you access to a wide range of banking services and value-added features.

What you get

• Enterprise Direct - A virtual banking solution for businesses, with our team of dedicated business bankers are just a call away. This is a unique offering that provides you with simple convenient access to engage a Business Banker on your banking needs while you focus on running your business. Enterprise Direct is available from Monday to Friday, 08:00am to 07:00pm.
• Enterprise Online - A new online banking solution designed specifically to meet our business customers transacting needs. It provides customers the ability to transact on their business accounts online anywhere 24/7.
• Business Online - Manage all your enterprise banking on this standalone, secure platform. From simple transactions and transfers, to local and cross-border trade deals and forex payments, you have full control over how you handle your finances.
• Access to all your bank accounts anywhere in the world, 24 hours a day, seven days a week
• Highly secure online banking platform - Assign different levels of authorisation to your staff, setting access and limits accordingly
• Seamless inter-bank and intra-bank transfers
• Pay instantly or future-date your payments for up to 90 days

A GCB Current Account gives you maximum flexibility with instant access to your funds. Designed to provide total convenience, the GCB Current Account is an easy everyday account suitable for individuals including professionals, societies, clubs and sole proprietors.

Benefits

• Convenient for frequent personal and business transactions.
• Free ATM card for individuals.
• Withdrawals may be made to the last pesewa
• Monthly statement of account (upon request).
• Instant mini-statements available from ATMs.
• Access to e-products and services
• Account holder is able to apply for credit facilities.
• Regular payments can be set up through standing instructions and direct debits.

What required when you apply

• Valid photo identity (Passport /Driver’s License / Voter ID).
• Proof of residential and postal address (any of the following):
  • Utility bill
  • Tenancy agreement
  • Employer’s reference letter
• Two passport-sized photograph.
• Initial deposit (amount to be determined by Bank from time to time)

Salary Account is a current account opened solely for employees to receive their salaries.

Features

• Targeted at all salaried workers
• Operates as a current account
• Initial deposit of GHS50.00
• Access to credit facilities
• Attracts a monthly flat fee
• No COT charged
• No interest earned on the account
• Access to E-Banking services

Benefits

• Limitless withdrawals
• Access to credit facilities
• Convenient account operations
• No minimum balance
• No COT
• Wider channels to access account
• Access to E-Banking products

A complete solution for your day-to-day transaction needs, access to loans and other Credit facilities

Benefits

• Get 24/7 access to your account through online and mobile banking
• Access to credit such as Personal Loans, Credit Cards and Overdrafts
• Enjoy ease of bill payment on SC Mobile

Features

• Enjoy a wide range of Visa Card products that allow for point of sale (POS) and online transactions worldwide.
• Fixed monthly fees and discounted transfer fees when you use our Online and mobile Banking platforms. T&C apply.
• You get a cheque book with this account.
• Initial Account Opening Balance of GHS100 and Minimum Account Operating Balance of GHS100.

Eligibility & Documents

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

A Current Account that allow you to manage your funds without visiting the branch

Benefits

• Get 24/7 access to your account through online and mobile banking
• Enjoy zero monthly service fees
• Enjoy ease of bill payment on SC Mobile

Features

• You receive free eStatements daily, weekly or monthly depending on your preference.
• Enjoy a wide range of Visa Card products that allow for point of sale (POS) and online transactions worldwide.
• Cash withdrawals are restricted to the ATM.
• Initial account opening balance of GHS20.

Eligibility & Documents

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

Keep and grow your foreign currency in US dollar, Pound sterling or Euro

Benefits

• Borrow up to 70% of your Foreign Current Account balance at normal rates
• Access Offshore FX investments such as Mutual
• Funds and Bonds with this account
• Get 24/7 access to your account through online and mobile banking

Features

• You receive free eStatements daily, weekly or monthly depending on your preference.
• Enjoy a wide range of Visa Card products that allow for point of sale (POS) and online transactions worldwide.
• You get a cheque book with this account.
• Initial opening balance is USD500, Euro300, GBP250 and No Minimum Operating Balance

Eligibility & Documents

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

Keep track of your finances with 24/7 access to your money, including electronic banking

Features

• Debit Card
• Internet Banking
• Mobile Banking
• Standing Orders

If you're studying, go direct with easy and free digital banking

Features

• Debit Card
• Internet Banking
• Mobile Banking
• Standing Order

Get ahead with investments, insurance and a salary advance added to your banking

Features

• Debit Card
• Internet Banking
• Mobile Banking
• Standing Order
• Credit Card
• Advance Facility

Take care of your wealth with the highest level of personal service

Features

• Current Account
• Credit Card
• Debit Card
• Asset Management and trustee services
• Bancassurance
• Personal loans
• Available in both local and foreign currency

Manage and move your money more easily while living and working away from home

Features

• Debit Card
• Internet Banking
• Mobile Banking
• Standing Orders
• Relationship Manager
• International transfers
• Access to your money in 33 countries

Bespoke banking solutions for hard-working women with dreams and ambitions

Benefits

• Enjoy Great Interest Rates on balances of GHS10K and above
• Get 24/7 access to your account through online and mobile banking
• Enjoy Ease of making payments worldwide with the wide range of Visa cards

Features

• You receive free eStatements daily, weekly or monthly depending on your preference.
• Fixed monthly fees and discounted transfer fees when you use our online and mobile banking platforms. T&C apply.
• You get a cheque book with this account.
• Initial account opening balance of GHS1,000.
• Invitation To Exclusive Event: Lifestyle events, financial seminars and events geared towards enhancing personal development and advancement of women.

Eligibility & Documents

• Application Eligibility
  • Women
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

An interest bearing Current Account suited for business executives, entrepreneurs and self-employed

Benefits

• Enjoy Great Interest Rates on balances of GHS10K and above
• Get 24/7 access to your account through online and mobile banking
• Enjoy Zero monthly service fees by placing balance of GHS10K and above

Features

• Enjoy a wide range of Visa Card products that allow for point of sale (POS) and online transactions worldwide.
• Fixed monthly fees and discounted transfer fees when you use our online and mobile banking platforms. T&C apply.
• You get a cheque book with this account.
• Initial account opening balance of GHS1,000 and interest is paid on balances above GHS10,000.

Eligibility & Documents

• Application Eligibility
  • Minimum 18 years old
• Documents Required
  • Mandatory supporting documents
  • Original National ID or valid passport
  • SC Mobile: A Portrait Selfie
  • In-Branch: One passport size photograph

This fast and flexible solution improves your cash-flow – by which we will advance a portion of the funds owed to you by your clients on invoices due, based on valid invoices and proof of delivery for the work done.

You can use this as a pure savings account or use it to do your basic business banking transactions, whichever way, you earn interest.
What you get

• More interest on your balance
• Easy access to your funds
• No monthly service fee
• Free mobile and internet banking

What to bring when you apply

Absa accountholders

• Two passport photos
• Proof of address (if previous address has changed)
• National ID card (or passport for non-Ghanaians)

Non-Absa accountholders

• Two passport photos
• Proof of address (utility bill or introduction by Absa customer)

Take your private banking experience to the next level with the Platinum credit card

What you should know

• Annual Fee: 1%
• Minimum Monthly Income: GHS 10,000
• Credit Limit: GHS 75,000
• Interest rate: Personalised

Key Features

• Chip- and PIN-enabled Visa Credit Card
• You can use your Credit Card at millions of merchants and ATMs worldwide – and to shop securely online.
• 3D Secure verification for safe online shopping
• Credit limit changes on request
• Automatic Lost Card Protection

How to get 

• Documents:
  • A nationally accepted identification card (voter’s ID, driver’s license or passport)
  • Two passport-sized photographs
  • Proof of residence in the form of a utility bill