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

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

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

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

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

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

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 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

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

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

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)