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

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

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

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

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

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.

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

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

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

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.

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

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