Find an ATM


Branch ATM Locations

Junction Shopping Centre Branch

Shop 14
Intersection of Beach and Ashaiman-Klagon Roads
Nungua
Accra

Accra Financial Centre

Ground Floor Accra Financial Centre
Cnr of Independence and Liberia Avenue
Accra

Accra Mall

Near Tetteh Quarshie Inter-change
Spintex Road

Achimota Mall

Near Dome, St. Johns Junction
Accra-Nsawam Road

West Hills Mall

West Hills Mall
Dunkonah - Accra

Tema

Giaan Towers
Hospital Road
Community 11 - Tema

Airport Branch

1 Kofi Annan Street
Airport Residential Area
Accra

Tema Community One Branch

Ground Floor
Lodestar Heights
Community One, Tema

Takoradi Branch

Ground Floor
Far West Building, B Market Circle
Takoradi

Kumasi Branch

Ground Floor, Annex Building
SSNIT Complex, Harper Road
Adum, Kumasi



Off-Site ATM Locations

Osu ATM

Total Filling Station
Oxford Street, Osu
Accra

Spintex ATM

Shell Filling Station
Spintex Road (next to Agapet Filling station)
Accra

Agbogba Junction ATM

Shell Filling Station,
Agbogba Junction (Adjacent KFC)
Accra

Tema Community 1 ATM

Total Filling Station
Behind Tema Sport Stadium

A&C Mall

14 Jungle Road,
East Legon,
Accra

Adenta ATM

Puma Fuel Station
Accra

Afienya ATM

Afienya Goil Fuel Station (opposite Basilissa)
Tema

Find a branch


Branch Locations

Junction Shopping Centre Branch

Shop 14
Intersection of Beach and Ashaiman-Klagon Roads
Nungua
Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GZ-065-9443

Accra Branch

Ground Floor Accra Financial Centre
Cnr of Independence and Liberia Avenue
Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: Closed

Telephone
+23 324 243 5050

Ghana Post GPS: GA-107-1953

Accra Mall Branch

Plot No. C11, Spintex Road
Accra
Shop Numbers 67 & 68

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GL-152-3649

Achimota Mall Branch

Parcel No.9563, Block 11, Section 158
Situate at Achimota, Shop Numbers 93 & 95
Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GE-361-2503

West Hills Mall Branch

Plot Areas A, B and C West Hills Mall
Limited situate at Dunkonah - Accra
Shop Numbers 77 & 79

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GA-0207-6718

Makola Branch

Ground Floor Banking Space 3
Mall Phase II
Makola-Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GA-142-9659

Tema Branch

Giaan Towers
Hospital Road
Community Eleven − Tema

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GT-078-9610

Airport Branch

1 Kofi Annan Street
Airport Residential Area
Accra

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GA-152-7027

Tema Community One Branch

Ground Floor
Lodestar Heights
Community One, Tema

Business hours:
Monday - Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: GT-021-1316

Market Circle Branch

Ground Floor
Far West Building, B Market Circle
Takoradi

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: WS-245-1885

Adum Branch

Ground Floor, Annex Building
SSNIT Complex, Harper Road
Adum, Kumasi

Business hours:
Monday − Friday: 08h30 − 17h00
Saturday: 09h00 − 14h00

Telephone
+23 324 243 5050

Ghana Post GPS: AK-037-5268

Agency Plus Locations

Please take note of the GPS numbers


St Tito Clothing
Marina Mall, Accra

Business hours:
Monday - Saturday: 08h00 - 17h30
Sunday: 14h30 - 19h00

Ghana Post GPS: GD-019-5429

Dadziemens Ventures
Frafraha, Accra

Business hours:
Monday - Saturday: 08h00 - 17h30
Sunday: 14h30 - 19h00

Ghana Post GPS: GD-019-5429

Wanako Plus Ventures
Adenta Goil Filling Station, Accra

Business hours:
Monday - Saturday: 08h30 - 21h00
Sunday: 11h30 - 21h00

Ghana Post GPS:GD-000-8589

Brobbson Pharmacy
Tema Community 25

Monday - Saturday: 07h00 - 21h00
Sunday: 12h00 - 22h00

GhanaPost GPS - GK-0146-9692

Pretty Image Enterprise
Control - Dansoman (inside the Goil filling station-control)
Accra

Business hours:
Monday - Saturday: 07h30 - 20h00
Sunday: 14h00 - 20h00

GhanaPost GPS - GA - 540-0082

Kabby Chemists
Bubuashie-North Kaneshie, Accra

Business hours:
Monday - Sunday: 24 hours

Ghana Post GPS: GA-310-8373

Healthaid Pharmacy
Kwashieman-Addy junction, Accra

Business hours:
Monday - Saturday: 08h00 - 21h30
Sunday: 08h00 - 21h30

Ghana Post GPS: GA-530-9388

Bodel Limited
Agbogba (Inside the Tel energy Filling Station) Accra

Business hours:
Monday - Friday: 09h00 - 18h30

Ghana Post GPS: GM-059-4962

Tesbury Supermarket
EPP Legon opposite the University of Ghana Accra

Business hours:
Monday - Friday: 08h00 - 19h00
Saturday: 08h30 - 19h00

Ghana Post GPS: GA-488-0740

EPP Bookshop
Trade Fair - La, opposite La Trade fair company Accra

Business hours:
Monday - Friday: 08h30 - 17h00
Saturday: 09h00 - 16h00

Ghana Post GPS: GL-022-8606

Mega Max
Dansoman adjacent the St Martin de Porres School
Accra

Business hours:
Monday - Friday: 08h00 - 18h00
Saturday: 09h30 - 16h00

Ghana Post GPS: GA-537-0056

Topmed Pharmacy
Medie, Accra

Business hours:
Monday - Friday: 08h00 - 21h00
Saturday: 08h00 - 21h00
Sunday: 10h00 - 21h00

Ghana Post GPS: GW-0487-2849

RCA Logistics Limited
Spintex Road

Business hours:
Monday - Friday: 08h00 - 17h30
Saturday: 08h00 - 12h00
Sunday: Closed

Ghana Post GPS: GA-232-0447

Jenni K Ventures
Accra-Aflao Rd

Business hours:
Monday - Friday: 08h00 - 17h00
Saturday: 08h00 - 13h00
Sunday: Closed

Ghana Post GPS: GN-0544-2309

Yah!
Nii Nortei Nyanchi St (E-Plaza 2)

Business hours:
Monday - Friday: 08h00 - 20h00
Saturday: 08h00 - 20h00
Sunday: 11h00 - 20h00

Ghana Post GPS: GA-156-5673

Yah!
West Legon

Business hours:
Monday - Friday: 08h00 - 20h00
Saturday: 08h00 - 20h00
Sunday: 11h00 - 20h00

Ghana Post GPS: GA-425-9874

Yah!
Shell Filling Station, Palm Wine Junction
Labadi

Business hours:
Monday - Friday: 08h00 - 20h00
Saturday: 08h00 - 20h00
Sunday: 11h00 - 20h00

Ghana Post GPS: GL-038-0130

Matcare Pharmacy
Otu Adzin Rd, Tema West

Business hours:
Monday - Friday: 08h00 - 20h00
Saturday: 08h00 - 20h00
Sunday: 11h00 - 20h00

Ghana Post GPS: GT-367-9548

B Wonder Enterprise
Tema Community 25

Business hours:
Monday - Friday: 08h00 - 20h00
Saturday: 08h00 - 20h00
Sunday: 11h00 - 20h00

Ghana Post GPS: GN-0434-1055

Ghana Reference Rate


Ghana Reference Rates 18.04%

Day to day banking

Budget

Credit


Why it's important to understand how credit works

It's always better to save up for something and pay cash, but we know that's not always possible.

 

Understanding interest


There are two types of interest: interest earned (on savings and investments) and interest charged (on loans).

Interest earned

This type of interest is a way to grow your money and is a reward from the bank for saving your money with them. It's extra money you earn for saving your money with a bank or an investment/savings institution.



Interest charged

This is the type of interest charged by a credit provider to lend you money. It's the cost of credit and is usually calculated as a percentage of the amount that you borrow.



Compound interest (earned)

When interest is calculated on the original investment and interest earned, so you earn interest on your interest, helping your money grow quicker.



Compound interest (charged)

When interest is calculated on the original amount borrowed invested plus any interest charged in previous months or years so you are charged interest on your interest, meaning your debt grows over time.



Understanding instalments


Instalments refer to a set amount you pay for an item over an agreed period. Often, we are attracted by special offers and low monthly instalments that look like very good deals. But 'low' instalments can be deceiving.

It is important to look at the total cost you will pay by adding up the monthly instalments over the payment period. You may find you will pay way more than the cash price. Always check before agreeing to the instalments and where possible, save up and buy the item in cash.

Remember: Check if you are being charged for extras such as delivery, credit life insurance, etc. You have a choice not to take up insurance if you do not want it.

 
 

Where to borrow money


If you are planning to borrow money, there are lots of different places that you can borrow from including: banks, micro-lenders, shops and informal (unregistered lenders) such as loan sharks.

All these places offer different products and their terms and application requirements differ. The risk associated with each lender also differs, so think carefully before signing an agreement or contract.


Where to borrow money


Before you take up credit


Taking up credit is a big decision. Before you do, consider the following:

Obtain a quote from the credit provider. It should show how much you will be paying in total.



Find out if there are penalties or rewards for repaying the debt earlier.



Get a copy of the contract and read it at home before you sign.



Make sure you understand the terms of the agreement.



Find out what will happen if you are unable to make the loan repayments on time.



Understanding wants & needs


Bad credit

  • Borrowing for wants - e.g. new outfit for an event when you have clothes you can wear.
  • Borrowing for consumables - e.g. borrowing to buy groceries, airtime, etc. If you constantly need to borrow money before month end, you may need to adjust your budget and cut out some expenses.

Good credit

  • Borrowing to buy assets that grow in value over time, e.g. a house.
  • Borrowing for personal growth for you or a family member, e.g. student loan.
 

Understanding legal protection and credit reports


 

Legal protection

When taking out credit you have rights.

Read more

Credit Report

Credit bureaux keep credit-related information of all credit-active consumers, this information is compiled on a credit report.

Read more

Legal protection


There is no shame is asking for help to manage your debt. It is better to get help than to drown in debt.

Advantages

  • The right to apply for credit or a loan.
  • Not be unfairly discriminated against when applying for credit or a loan.
  • Read a credit agreement in plain language.
  • Have a copy of the credit agreement BEFORE taking the loan.
  • Privacy regarding your personal information.
  • Complain if you think you have been treated unfairly.
  • Check your credit profile once a year. You can do this for free once a year with a credit bureau. You can find a list of credit bureaux that will give you a free annual credit check on www.cba.co.za. This website gives contact details for all the credit bureaux that are members of the Credit Bureau Association.
  • Ask for help from a debt counsellor to assist with restructuring your debt.
  • Know why a loan application has been rejected.
  • Your rights as it relates to credit is protected under the National Credit Act and the National Credit Regulator can assist customers to get help when their rights have been violated. If you have a concern or a problem about the way you have been treated in accessing credit, contact the NCR. Their telephone number is 0860 627 627 and their website address is www.nca.co.za

    Office of the Banking Adjudicator

    Physical address:
    Plot 184 Ist Floor,
    Tlale House Main Mall , Opposite BEDIA.

    Postal address:
    Office of the Banking Adjudicator
    Private Bag 00404
    Gaborone

    Tel: (0267) 3935409
    Fax: (0267)3935406

    Email: bankadjud@info.bw
    Website: www.banking-adjudicator.org.bw

    Credit Report


    Credit bureaux keep credit related information of all credit-active consumers, this information is compiled on a credit report or credit profile. Credit grantors submit payment information to the credit bureaux on how well you are repaying your loans. The information submitted is both positive and negative information. The purpose of a credit report is to allow credit grantors to determine if you are eligible for credit, by assessing the amount of credit you already have and also looking at how well you repay existing loans. It is a risk for companies to give you a loan, therefore they must ensure that you can repay it.

    You can get a free copy of your credit report once a year directly from the credit bureaux:

    Compuscan

    Call Centre on 0861 514 131
    Online at www.mycreditcheck.co.za

    Consumer Profile Bureau

    Experian

    Call Centre on 0861 105 665
    Online at www.creditexpert.co.za

    TransUnion

    Plot 115 Unit 21 Kgale Mews, Gaborone, Botswana
    Private Bag 305, Gaborone, Botswana
    Email: vgaleromeloe@transunion.co.za
    Web: http://www.transunion.co.za
    Phone: 0267 390 3535
    Fax: 0267 318 1124

    XDS

    Call Centre on 0860 937 000
    Online at www.credit4life.co.za

    Action creditors can take if you do not make payments


    Repossession

    The seller takes back the goods, as well as keeps the money you have already paid for the goods.



    Judgments

    A judgement is a court order that forces you to repay your loans.



    Attachment of property

    Depending on how big your debt is, the court can order that some of your property (such as furniture, a vehicle, etc.) can be repossessed.



    Garnishee orders

    The court will instruct your employer to pay a part of your wages or salary to the creditor as repayment of your debt.



    Types of expenses


     

    Over-indebtedness

    You are over-indebted if you are failing to meet your debt repayments and constantly need to borrow to support your monthly expenses.

    Read more

    Debt counselling

    There is no shame in asking for help to manage your debt. It is better to get help than to drown in debt.

    Read more

    Over-indebtedness


    You are over-indebted if you are failing to meet your debt repayments and constantly need to borrow to support your monthly expenses.

    What can I do if I am over-indebted?

    a) The first step is to write a list of all the people and businesses that you owe money to.

    b) Contact your creditors and explain your situation.

    c) When creditors write to you, take their letters seriously and respond.

    d) Do not promise to make payments if you cannot afford them. Rather explain the situation and look at making smaller payments over a longer period.

    e) Avoid taking more loans to pay the debt you already have

    f) Change your lifestyle, cut down on things like entertainment, alcohol, cigarettes, gambling, etc.

    g) If you drive an expensive car, consider downgrading to a more affordable car or sell your car and use public transport.

    h) Avoid buying groceries on credit.

    i) Consult a debt counsellor. Call the National Credit Regulator (0860 627 627) and they will refer you to a debt counsellor near you.

    Debt counselling


    There is no shame is asking for help to manage your debt. It is better to get help than to drown in debt.

    Advantages

  • When you are under debt counselling, creditors may not take more action against you.
  • There is no permanent record of having undergone debt counselling.
  • There is only one monthly repayment to be made.
  • Your budget will meet your basic needs (housing, transport, food) first before making provision for your debts.
  • You will never pay more money than you can reasonably afford.
  • A debt counsellor will suggest ways of cutting costs and saving money.
  • You will no longer get calls from your creditors demanding payment. This will lessen your stress and allow you to focus on fixing the problem of getting out of debt.
  • Disadvantages

  • You are not allowed to have more credit while undergoing debt counselling.
  • It does cost a little bit of money, payable to the debt counsellor. These fees are regulated and set by law.
  • Your debts will take longer to pay off because of paying smaller amounts each month.