FinanceHero / Ghana / Banking
See fees, minimum balances, ATM costs, transfers, cards and digital access side by side.
Personal / Current accounts
| Account | Account fee | Opening / minimum | ATM fee | Transfers | Card / digital access | Interest | Key caveat |
|---|---|---|---|---|---|---|---|
Absa Bank GhanaCurrent Account | GHS 21.50per month | Opening: Not available Minimum: GHS 0 | Absa ATM: free; other Ghana bank ATM: GHS 12. Savings withdrawal-count charge may also apply. | Online GIP: 0.75%, minimum GHS 0.50, maximum GHS 10; other channels differ. | Card: YesIssuance: GHS 20International Classic debit issuance; local Classic issuance is GHS 35.Maintenance: Classic debit: GHS 12.50 monthly.App: Yes; USSD: Not available | Not available | Monthly account fee excludes card and transaction charges. Opening deposit not verified. |
Stanbic Bank GhanaAchiever Pay As You Go | GHS 14.99per month | Opening: GHS 100 Minimum: Not applicable | Own ATM: free; other local ATM: 1%, minimum GHS 15. | ACH GHS 5; near-real-time GHS 10; express GHS 30. Channel-specific. | Card: YesIssuance: Not verifiedMaintenance: GHS 20 quarterly.App: Yes; USSD: Yes | Not available | Visa issuance charge is disputed; tariff lists GHS 20 quarterly card maintenance. Other-bank ATM charges apply. |
Checked: 7 Oct 2026 · Sources: absa.com.gh · stanbicbank.com.gh
Savings accounts
| Account | Account fee | Opening / minimum | ATM fee | Transfers | Card / digital access | Interest | Key caveat |
|---|---|---|---|---|---|---|---|
Absa Bank GhanaInstant Savings Account | GHS 0per month | Opening: Not available Minimum: GHS 50 | Absa ATM: free; other Ghana bank ATM: GHS 12. Savings withdrawal-count charge may also apply. | Online GIP: 0.75%, minimum GHS 0.50, maximum GHS 10; other channels differ. | Card: YesIssuance: GHS 20International Classic debit issuance; local Classic issuance is GHS 35.Maintenance: Classic debit: GHS 12.50 monthly.App: Not available; USSD: Not available | Not availableTiered interest calculated daily and paid monthly; current numeric rate not verified. | Two free withdrawals per month, then GHS 5 each. Card and transaction costs are separate; interest rate not verified. |
Standard Chartered GhanaSavings Plus | GHS 0per month | Opening: GHS 100 Minimum: Not verified | Not available | Not available | Card: YesIssuance: Not availableMaintenance: Not availableApp: Yes; USSD: Not available | Not verifiedCalculated daily and credited monthly; current numeric rate not verified. | Maximum four over-the-counter withdrawals monthly. Current interest rate and minimum balance not verified. |
Checked: 7 Oct 2026 · Sources: absa.com.gh · sc.com
Digital consumer accounts
| Account | Account fee | Opening / minimum | ATM fee | Transfers | Card / digital access | Interest | Key caveat |
|---|---|---|---|---|---|---|---|
Absa Bank GhanaSpark account | Not availableper month | Opening: Not available Minimum: Not available | Not available | Transfers may be charged; displayed before confirmation. Numeric schedule not verified. | Card: Not availableIssuance: Not availableMaintenance: Not availableApp: Yes; USSD: Yes | Not available | Digital bank deposit account with KYC-tier limits. Monthly, transfer and ATM prices are not verified; review charges before confirming. |
Checked: 7 Oct 2026 · Sources: absa.com.gh
Fees may exclude statutory charges.