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Banking in Ghana

Best banks in Ghana for expats & digital nomads

Opening a bank account is one of the first things you do after moving to Ghana. Here are the accounts that work for newcomers and non-residents, plus the fintech we would set up before you fly.

How to open a bank account in Ghana

A foreigner with a valid residence/work permit can open a standard cedi current or savings account (passport + visa + permit + proof of address); without a residence permit, non-residents are generally limited to foreign-currency (USD/EUR/GBP) accounts at select banks like Ecobank and GCB. Mobile money (MTN MoMo, Telecel Cash) is set up separately with a passport and SIM and is widely used for daily payments.

Top banks in Ghana

Stanbic Bank Ghana

traditional
International connectivity and diaspora banking

Part of Standard Bank group; dedicated diaspora proposition and multi-currency options, favoured for cross-border banking.

Ecobank Ghana

traditional
Pan-African reach across West Africa

Operates across ~33 African countries; expat-friendly, smooth MTN MoMo integration, allows remote FX-account opening at select branches.

GCB Bank

traditional
Largest branch network nationwide

180+ branches; Link2Home multi-currency (GHS/USD/EUR/GBP) account manageable remotely; online account-opening portal.

Absa Bank Ghana

traditional
Reliable mobile banking

Pan-African group with a strong, stable app; requires passport + visa + work/residence permit for foreigners.

Fidelity Bank Ghana

traditional
Digital banking and FX rates

Largest privately owned Ghanaian bank; strong digital offering and competitive exchange rates.

Zenith Bank Ghana

traditional
Multi-currency and diaspora accounts

Offers a diaspora account with multi-currency support.

International accounts & neobanks

Wise

Ghana is not on Wise's hold-a-balance list; Wise can send money to Ghana (including to mobile money/bank) but residents cannot hold a GHS balance with Wise.

Payoneer

Used by Ghanaian freelancers to receive USD/EUR/GBP and withdraw to a local bank.

Availability changes; confirm on each provider's site.

Next steps in Ghana

See the full Ghana tax, cost and visa profile, or compare Ghana with other destinations. Not sure where to go yet? Take the finder quiz.