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

Kejetia Branch

Ground Floor, Bendeltar Towers (Evergreen Chemist Building)
Georgia K. Kusi Avenue
Kejetia, Kumasi

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

Ghana Post GPS: AK-019-8037

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

Deposit and withdraw cash conveniently at any First National Bank Cash Plus agent listed below instead of queuing at branches or ATMs. All you need is a First National Bank account, Mobile App or be registered for Cellphone Banking.


Accra

Agent name: 3iconx Systems Limited
Agent location: First Floor Of Unicom Chemist, Korle Bu
GPS code: GA-270-0641
Operating hours: Monday-Saturday 07:30-19:00
Contact details: 508407312

Agent name: Akessiwa L'or Ventures
Agent location: Adjacent Nhyira Pub, Manhean Ablekuma
GPS code: GC-110-1420
Operating hours: Monday-Saturday 07:00-20:00
Contact details: 508407312

Agent name: Allinone Enterprise
Agent location: Near Palace Shopping, Tetegu-Weija
GPS code: GS-0134-6826
Operating hours: Monday-Saturday 06:30-17:30
Contact details: 508407312

Agent name: Baby Center Mothercare
Agent location: Near Light House Chapel, East Legon Hills
GPS code: GK-0821-4012
Operating hours: Monday-Saturday 08:30-19:00
Contact details: 0593867162/0548934030

Agent name: Bertline Pharmacy Ltd
Agent location: Opposite Gt Bank, Tudu
GPS code: GA-142-0753
Operating hours: Monday-Saturday 06:00-19:00
Contact details: 593867155

Agent name: Commtech Solutions Investment
Agent location: Near Mtn Office, Haatso
GPS code: GE-297-4125
Operating hours: Monday-Friday 08:00-18:00
Saturday 09:30-17:00
Contact details: 508407312

Agent name: Country Medical & Pharmacy Limited
Agent location: Barn Yard Traffic Light, Awoshie
GPS code: GA-579-9310
Operating hours: Monday-Sunday 07:00-22:30
Contact details: 593867155

Agent name: Dadziemens Ventures
Agent location: Mile 13 Junction, Frafraha
GPS code: GD-019-5429
Operating hours: Monday-Saturday 08:00-17:30
Sundays 14:30-19:00
Contact details: 593867155

Agent name: De Bread Communication
Agent location: Near Takoradi Station, Kaneshie
GPS code: GA-313-2867
Operating hours: Monday-Saturday 06:00-18:00
Contact details: 508407312

Agent name: Dipsy Payment & Services Company Ltd
Agent location: Next To Eddies Pizza Ashongman Round About, Ashongman
GPS code: GE-229-5362
Operating hours: Monday-Friday 08:00-18:00
Saturday 08:00-17:00
Contact details: 593867155

Agent name: Epp Books Services Ghana
Agent location: Opposite Trade Fair, La
GPS code: GL-022-8994
Operating hours: Monday-Friday 08:30-17:00
Saturday 09:30-16:00
Contact details: 593867155

Agent name: Epp Books Services Ghana Tesbury
Agent location: Inside Legon City Mall, Legon
GPS code: GA-488-1135
Operating hours: Monday-Saturday 08:00-19:00
Sunday 12:00-17:00
Contact details: 593867155

Agent name: Executive Merchant Company
Agent location: Opposite Donewell Methodist Church, Santa Maria
GPS code: GC-061-6082
Operating hours: Monday-Friday 06:30-19:00
Saturday 06:00-18:00
Contact details: 508407312

Agent name: Faith Pharmaceutical Limited
Agent location: Adjacent Fomag School, Country Side, Amasaman
GPS code: GW-0012-8561
Operating hours: Monday-Saturday 08:00-22:00
Sunday 14:00-21:00
Contact details: 508407312

Agent name: First Internet Limited
Agent location: First Floor Of Pizza Man, Scc-Weija
GPS code: GS-0166-5770
Operating hours: Monday-Friday 08:00-20:00
Saturday 08:00-19:00
Contact details: 508407312

Agent name: Gietta Company Limited
Agent location: Opposite Accra Medical Center, Ring Road Estate, Osu
GPS code: GA-031-5356
Operating hours: Monday-Friday 08:00-17:00
Contact details: 508407312

Agent name: Gloricom Ventures
Agent location: Opposite Total Fuel Station, Haatso Ecomog
GPS code: GE-297-1865
Operating hours: Monday-Saturday 06:30-20:00
Contact details: 593867155

Agent name: Good Generation Enterprise
Agent location: Near Rockster Roofing System, Tantra Hill
GPS code: GW-0742-1514
Operating hours: Monday-Saturday 08:00-18:00
Contact details: 508407312

Agent name: Hajia Express Enterprise
Agent location: Opposite The Post Office, Mamprobi
GPS code: GA-268-6568
Operating hours: Monday-Saturday 08:00-19:00
Contact details: 508407312

Agent name: Healthaid Pharmacy
Agent location: Inside The Goil Filling Station, Osakuma Street, Fadama
GPS code: GA-530-9586
Operating hours: 24 Hours All Days
Contact details: 508407312

Agent name: Isste Ventures
Agent location: Close To Access Bank, Lashibi
GPS code: GC-362-6174
Operating hours: Monday-Sundays 07:00-22:00
Contact details: 501464723

Agent name: Janeadd Enterprise
Agent location: Near Micheal Duah Motors Inside Abossey Spare Parts Market, Abossey Okai
GPS code: GA-263-6578
Operating hours: Monday-Friday 08:30-16:00
Contact details: 501464723

Agent name: Kaby Chemists
Agent location: Near Gyamfi Garments, Agbonboi Street, Bubuashie
GPS code: GA-310-8773
Operating hours: 24 Hours All Days
Contact details: 593867155

Agent name: Key-On
Agent location: Opposite Akokono Delight Food Shop, Baatsona-Spintex
GPS code: GT-333-9806
Operating hours: Monday-Sunday 08:00-20:00
Contact details: 501464723

Agent name: Kira Ventures
Agent location: Adjacent Fidelity Bank, Dzorwulu
GPS code: GA-585-8131
Operating hours: Monday-Saturday 08:00-19:00
Contact details: 0593867162/0548934030

Agent name: Kwabesafo Enterprise
Agent location: Near Achimota Old Station, Achimota
GPS code: GA-204-87440
Operating hours: Monday-Friday 07:00-19:00
Contact details: 593867155

Agent name: Lego's Corner Avenue
Agent location: Near The Dome Lorry Station, Lapaz
GPS code: GA-392-2354
Operating hours: Monday-Saturday 08:00-19:00
Contact details: 593867155

Agent name: Lesb Financial Advisory Services
Agent location: Opposite Puma Fuel Station, Ashaley Botwe
GPS code: GD-223-1057
Operating hours: Monday-Saturday 08:30-17:00
Contact details: 508407312

Agent name: Loc Yaakov Susu Enterprise
Agent location: Opposite Darkuman Mosque, Darkuman
GPS code: GA-467-1836
Operating hours: Monday-Saturday 08:00-18:00
Contact details: 0593867162/0548934030

Agent name: Matcare Pharmacy Limited
Agent location: Close To Eddies Pizza Baatsona Road, Spintex
GPS code: GT-367-9248
Operating hours: 24 Hours All Days
Contact details: 501464723

Agent name: Maveg Group Limited
Agent location: Close To Prudential Bank, Ampim Street, Taifa
GPS code: GE-331-0927
Operating hours: Monday-Friday 06:30 -18:30
Saturday 07:00-16:00
Contact details: 508407312

Agent name: Me Micalen Enterprise
Agent location: University Of Ghana-Legon Bush Canteen
GPS code: GA-454-7319
Operating hours: Monday-Saturday 07:00-17:00
Contact details: 593867155

Agent name: Megamax Electronics Limi
Agent location: Round About Near St Martin De Porres, Dansoman
GPS code: GA-537-0253
Operating hours: Monday-Friday 08:00-18:00
Saturday 08:00-17:00
Contact details: 508407312

Agent name: Melchizedek Trading
Agent location: Same Building As Las Palmas, Lapaz
GPS code: GA-392-5510
Operating hours: Monday-Saturday 08:00-20:00
Sunday 14:00-20:00
Contact details: 508407312

Agent name: Mikesh Ventures
Agent location: Near Christ Mission School, Kwashieman
GPS code: GC-038-5503
Operating hours: Monday-Saturday 07:00-19:00
Contact details: 508407312

Agent name: Minnahson Ventures
Agent location: Opposite First Atlantic Bank, Madina
GPS code: GM-003-0478
Operating hours: Monday-Saturday 08:00-18:30
Contact details: 593867155

Agent name: Nelmandela Enterprise
Agent location: Close To The Last Stop Trotro Station, Dansoman Last Stop
GPS code: GA-543-9873
Operating hours: Monday-Saturday 07:30-19:00
Contact details: 508407312

Agent name: O Fish-Wisely Enterprise
Agent location: Opera Square, Makola Market
GPS code: GA-182-5000
Operating hours: Monday-Saturday 08:00-17:00
Contact details: 501464723

Agent name: Ohemaa Mercy Gyawu-Kyem Enterprise
Agent location: Opposite The Tigo Office, Circle- Kokomlemlet
GPS code: GA-099-3992
Operating hours: Monday-Saturday 07:30-19:30
Contact details: 593867155

Agent name: Om Market Susu Enterprise
Agent location: Inside The Agbogbloshie Market, Agbogbloshie
GPS code: GA-139-0150
Operating hours: Monday-Saturday 08:00-17:00
Contact details: 593867155

Agent name: Parathur Services
Agent location: Near Gcb, Okaishie Market
GPS code: GA-142-6895
Operating hours: Monday-Friday 07:30-16:00
Contact details: 508407312

Agent name: Pistos Enterprise
Agent location: 18th Junction,Near First Allied, Spintex
GPS code: GT-373-5813
Operating hours: Monday-Saturday 07:00-19:00
Contact details: 501464723

Agent name: Premier Digital Hub
Agent location: Atta Mills Road, Ofankor
GPS code: GW-0543-2616
Operating hours: Monday-Saturday 07:30-18:00
Contact details: 508407312

Agent name: Premium Access
Agent location: Inside Star Filling, Tabora
GPS code: GW-1226-9001
Operating hours: Monday-Saturday 08:00-21:00
Sunday 15:00-21:00
Contact details: 508407312

Agent name: Pretty Image Brown Enterprise
Agent location: Inside The Goil Fuel Station, Dansoman-Police Station, Control-Dansoman
GPS code: GU-540-0082
Operating hours: Monday-Saturday 07:30-20:00
Sunday 13:00-20:00
Contact details: 508407312

Agent name: Psalm 2:8 Ventures
Agent location: Inside Hotel De Horses, Kantamanto
GPS code: GA-140-4112
Operating hours: Monday-Saturday 07:00-17:00
Contact details: 593867155

Agent name: Ralpjanni Enterprise
Agent location: Near Fidelity Bank Inside Madina Market, Madina
GPS code: GM-004-2508
Operating hours: Monday-Saturday 08:30-18:00
Contact details: 593867155

Agent name: Rata Ann Ventures
Agent location: Near Ecobank, Darkuman Junction
GPS code: GA-470-8544
Operating hours: Monday-Friday 07:00-16:00
Contact details: 508407312

Agent name: Safremuun Enterprise
Agent location: Adjacent Joy Fm, Kokomlemle
GPS code: GA-099-3036
Operating hours: Monday-Saturday 07:00-20:00
Contact details: 593867155

Agent name: Smart Fanis Company Limited
Agent location: Near The Inkulanu Food Processing Company, Madina Market
GPS code: GM-004-0333
Operating hours: Monday-Sunday 08:00-17:00
Contact details: 593867155

Agent name: Stevag Godwill Ventures
Agent location: Opposite St. Mary's School, North Kaneshie
GPS code: GA-212-9503
Operating hours: Monday-Saturday 08:00-20:20
Sunday 15:00-20:20
Contact details: 593867155

Agent name: Synchronise Link Ventures
Agent location: Near Danquah Circle, Osu
GPS code: GA-035-8203
Operating hours: Monday-Saturday 07:00-22:00
Contact details: 501464723

Agent name: Tilapia.Com
Agent location: Near The Access Bank Branch On Police Station Road, Osu
GPS code: GA-114-7873
Operating hours: Monday-Friday 08:30-18:30
Contact details: 501464723

Agent name: Topmed Limited
Agent location: Near Voltic Water Company, Kotoku Station Rd Medie
GPS code: GW-0487-2849
Operating hours: Monday-Saturday 08:00-21:30
Sunday 10:00-21:00
Contact details: 0593867162/0548934030

Agent name: Wanako Plus Ventures
Agent location: Inside The Goil Filling Station, Adenta
GPS code: GD-000-85-89
Operating hours: Monday-Saturday 08:30-21:00
Sunday 11:30-21:00
Contact details: 593867155

Agent name: Wellplus Rs Enterprise
Agent location: Opposite Champions House International Ministries, Nungua
GPS code: GZ-024-6584
Operating hours: Monday-Saturday 07:00-21:00
Contact details: 501464723

Agent name: Zeepay GH Dansoman
Agent location: Opposite Eddy's Pizza, Mama's Inn Junction, Dansoman
GPS code: GA-538-1344
Operating hours: Monday-Friday 08:00-17:00
Contact details: 593867155

Agent name: Zeepay GH Osu
Agent location: Opposite Mtn Office, Osu
GPS code: GR-032-4882
Operating hours: Monday-Friday 07:30-19:30
Saturday 09:00-17:00
Sunday 13:00-17:00
Contact details: 0593867162/0548934030

Agent name: Zeepay GH-Palace Mall
Agent location: Inside Palace Shopping Mall, Spintex
GPS code: GA-232-7512
Operating hours: Monday-Friday 08:00-19:00
Saturday-Sunday 10:00-17:00
Contact details: 593867155

Ashaiman

Agent name: Catkom Ventures Limited
Agent location: Inside The Mybet Main Building, Ashaiman Traffic Light, Ashaiman
GPS code: GB-017-1712
Operating hours: Monday-Saturday 08:00-17:00
Contact details: 501464723

Agent name: Mydu Ventures
Agent location: Close To The Ashiaman Station/Police Station, Ashiaman
GPS code: GB-017-7002
Operating hours: Monday-Saturday 06:30-18:30
Sunday 10:00-17:00
Contact details: 508407312

Agent name: Perfect Trusted Business Solutions
Agent location: Near Lebanon Market, Lebanon
GPS code: GB-049-8439
Operating hours: Monday-Friday 08:30-19:00
Saturday 09:30-16:30
Contact details: 501464723

Agent name: Talk Solution
Agent location: Opposite Stanbic Bank,Ashiaman
GPS code: GB-005-5320
Operating hours: Monday-Sunday 08:00-19:00
Saturday 09:30-16:30
Contact details: 501464723

Kasoa

Agent name: Adosa Central
Agent location: Close To West End School, Ngleshie Amanfro
GPS code: GS-0625-6866
Operating hours: Sunday-Friday 07:00-18:00
Contact details: 508407312

Agent name: Anointedlens
Agent location: Near Palad Afrique, Kasoa Newtown
GPS code: CG-0476-1668
Operating hours: Monday-Saturday 08:00-20:00
Contact details: 508407312

Agent name: M.City Pharmacy Limited
Agent location: Behind Health Insurance, Cp Junction
GPS code: CG-0699-5731
Operating hours: Monday-Sunday 07:00-22:00
Contact details: 508407312

Agent name: Mimshach Enterprise
Agent location: Near Tuba Taxi Rank, Tuba
GPS code: GS-0356-9023
Operating hours: Monday-Saturday 08:00-21:00
Sunday 13:30-21:00
Contact details: 508407312

Agent name: Prinaplux
Agent location: Near Former Gn Bank, Kasoa
GPS code: CX-021-3988
Operating hours: Monday-Friday 07:30-17:00
Saturday 09:00-14:00
Contact details: 0593867162/0548934030

Agent name: Prinaplux Adade
Agent location: Adade Last Stop, Kasoa
GPS code: CG-1532-2427
Operating hours: Monday-Saturday 07:30-18:30
Contact details: 0593867162/0548934030

Koforidua

Agent name: Dotferd Trading Enterprise
Agent location: St Martin Hotel, Nyamekrom Road, Koforidua
GPS code: EN-037-2483
Operating hours: Monday-Saturday 07:00-19:00
Sunday 12:00-19:00
Contact details: 593867155

Kumasi

Agent name: 21st Business Solutions And Trading Enterprise
Agent location: Opposite Cbg, Ahodwo
GPS code: AK-370-4704
Operating hours: Monday-Saturday 07:30-18:00
Contact details: 240098374

Agent name: Agyaatwima Enterprise
Agent location: Inside Stanbic Bank Building, Harpar Road Adum
GPS code: AK-037-6389
Operating hours: Monday-Saturday 09:00-17:00
Contact details: 240098374

Agent name: Ambris 1988 Enterprise
Agent location: Second Floor Store Number 0447, Kejetia Market-Kumasi
GPS code: AK-017-5002
Operating hours: Monday-Saturday 07:30-18:00
Contact details: 240098374

Agent name: Benji Sebe Ventures
Agent location: Close To The Chief Palace, Kromuase
GPS code: AK-597-2347
Operating hours: Monday-Saturday 07:00-19:00
Contact details: 240098374

Agent name: Bless And Keep Enterprise
Agent location: Near The Total Filling Station, Abrepo Junction
GPS code: AK-087-4503
Operating hours: Monday-Saturday 06:00-20:00
Contact details: 240098374

Agent name: Blessed Kubi Ventures
Agent location: Near Sinal Pharmacy, Ahenema Kokoben
GPS code: AG-0830-2051
Operating hours: Monday-Saturday 07:00-20:00
Contact details: 240098374

Agent name: Bluesun Ventures
Agent location: Opposite Star Junction, Kwadaso Estate
GPS code: AK-232-4055
Operating hours: Monday-Saturday 07:00-21:00
Sunday 12:00-21:00
Contact details: 240098374

Agent name: Ceakos-Grp Ventures
Agent location: Near Seedwill International School, Oduom
GPS code: AK-777-7932
Operating hours: Monday-Saturday 07:30-19:30
Contact details: 240098374

Agent name: Cedar Edge Enterprise
Agent location: Opposite King David Pharmacy, Krofrom
GPS code: AK-012-3943
Operating hours: Monday-Friday 08:30-20:00
Contact details: 240098374

Agent name: Efix Pluse Enterprise
Agent location: Adjacent Siloam Hospital, Kwadaso
GPS code: AK-352-3048
Operating hours: Monday-Friday 08:00-21:00
Contact details: 240098374

Agent name: F.O.H Enterprise
Agent location: Opposite The Roman Church Bantama Market
GPS code: AK-058-7809
Operating hours: Monday-Saturday 07:00-18:00
Contact details: 240098374

Agent name: Franscode One Enterprise
Agent location: Opposite The Police Training School, Patasi
GPS code: AK-128-9003
Operating hours: Monday-Saturday 07:00-22:00
Contact details: 240098374

Agent name: Geobeng 99 Ventures
Agent location: Second Floor 1895, Kejetia Market-Kumasi
GPS code: AK-017-514
Operating hours: Monday-Saturday 07:00-18:00
Contact details: 240098374

Agent name: God's Gift Adam Enterprise
Agent location: Suame Taxi Station Close To The Municipal Assembly, Oforikrom
GPS code: AK-105-2481
Operating hours: Monday-Saturday 07:00-21:00
Contact details: 240098374

Agent name: Great E-Amoh Ventures
Agent location: Near The Lorry Station, Kronum
GPS code: AK-402-2018
Operating hours: Monday-Sunday 07:00-20:00
Contact details: 240098374

Agent name: Habib Gali Enterprise
Agent location: Inside Talent Microfinance Building, Adum
GPS code: AK-019-9175
Operating hours: Monday-Saturday 08:00-17:30
Contact details: 240098374

Agent name: J G Business Solutions
Agent location: Opposite Ap Filling Station, Santasi Ayinam
GPS code: AG-1653-6713
Operating hours: Monday-Saturday 07:30-20:00
Contact details: 240098374

Agent name: J G Business Solutions
Agent location: Opposite Ap Filling Station, Santasi Ayinam
GPS code: AG-1653-6713
Operating hours: Monday-Saturday 07:30-20:00
Contact details: 240098374

Agent name: Kumasi Continental Supermarket Limited
Agent location: Close To Ayiduase Gate, Knust
GPS code: AK-508-0388
Operating hours: Monday-Saturday 08:00-20:00
Contact details: 240098374

Agent name: Kwadwo Brefo Ventures
Agent location: Near The Old Total Filling Station, Dr.Mensah
GPS code: AK-006-5426
Operating hours: Monday-Saturday 07:30-17:00
Contact details: 240098374

Agent name: Marvellous Prince Enterprise
Agent location: Near The Lorry Station, Pokukrom-Kumasi
GPS code: AH-132-4142
Operating hours: Monday-Saturday 06:00-18:00
Contact details: 240098374

Agent name: Mistybills Enterprise
Agent location: Opposite Fortune Wines And Liquor, Abrepo Highways, Abrepo
GPS code: AK-280-6156
Operating hours: Monday-Friday 07:00-18:00
Contact details: 240098374

Agent name: Muaish Plus Global Company Limited
Agent location: Near Aboabo Bus Stop Transformer, Aboabo
GPS code: AS-AS-14707
Operating hours: Monday-Sunday 08:00-20:00
Contact details: 240098374

Agent name: Mummy Dot.Comm
Agent location: Opposite The Post Office, Satansi
GPS code: AK-365-3974
Operating hours: Monday-Friday 08:00-21:00
Sunday 15:00-21:00
Contact details: 240098374

Agent name: Owutech Solutions
Agent location: Near Royal Gate Hostel, Bomso
GPS code: AK-249-6361
Operating hours: Monday-Friday 08:00-18:00
Contact details: 240098374

Agent name: Paul Opoku 1537 Ventures
Agent location: Inside Fidelity Bank Building, Tarkwa Maakro
GPS code: AK-116-6069
Operating hours: Monday-Saturday 08:00-17:00
Contact details: 240098374

Agent name: Saeed Ayuba Enterprise
Agent location: Opposite King Faisal Football Office, Akwatia Line
GPS code: AS-102-8623
Operating hours: Monday-Saturday 08:00-18:00
Contact details: 240098374

Agent name: Strenuous Effort Enterprise
Agent location: Inside Techiman Lorry Station, Dr.Mensah
GPS code: AK-006-3435
Operating hours: Monday-Saturday 08:00-18:00
Contact details: 240098374

Agent name: The Afonja's Enterpise
Agent location: Close To The Shell Filling Station, Akwatia Line
GPS code: AS-101-8914
Operating hours: Monday-Saturday 08:30-18:00
Contact details: 240098374

Agent name: Triple M 92 Ventures
Agent location: Close To The Chief Place, Tafo-Kumasi
GPS code: AK-112-5841
Operating hours: Monday-Sunday 06:00-20:00
Contact details: 240098374

Agent name: Virtue Link Company Limited
Agent location: Near The Taxi Rank, Suame Post Office
GPS code: AK-054-2738
Operating hours: Monday-Friday 08:00-17:30
Saturday 08:30-17:00
Contact details: 240098374

Sunyani

Agent name: Kkc Smartlife Enterprise
Agent location: Inside The Vip Bus Station, Sunyani
GPS code: BS-0008-4777
Operating hours: Monday-Saturday 08:00-18:00
Sunday 11:00-21:30
Contact details: 240098374

Takoradi

Agent name: Aktiv Sikanekt Solutions
Agent location: Near Day By Day Pharmacy, Market Circle-Takoradi
GPS code: WS-245-1700
Operating hours: Monday-Saturday 08:00-21:30
Sunday 10:00-21:00
Contact details: 501522680

Agent name: Anthaff Orbit Technology
Agent location: Near Rabito Clinic, Accra Station- Takoradi
GPS code: WS-245-4267
Operating hours: Monday-Friday 08:30-17:00
Saturday 09:00-15:00
Contact details: 501522680

Agent name: Shaqman Business Hub
Agent location: Near Carlos Jop Supermarket, Old Accra Station- Takoradi
GPS code: WS-245-7477
Operating hours: Monday-Friday 07:30-18:30
Contact details: 501522680

Agent name: Tigger Phones
Agent location: Near Effiakuma Post Office, Effiakuma
GPS code: WS-284-2334
Operating hours: Monday-Friday 07:30-17:00
Saturday 09:00-14:00
Contact details: 501522680

Tema

Agent name: Adevey 79
Agent location: Near Fitfinish Designs, Michel Camp Road
GPS code: GK-0265-9130
Operating hours: Monday-Saturday 06:30-19:30
Contact details: 501464723

Agent name: B Wonder Enterprise
Agent location: Opposite Sawer-Nanor And Sons Co. Ltd, Tema Comm 25
GPS code: GN-0434-1055
Operating hours: Monday-Saturday 08:00-16:00
Contact details: 501464723

Agent name: Britkom Limited
Agent location: Opposite Cocobod, Tema Comm. 3
GPS code: GT-180-9174
Operating hours: Monday-Saturday 07:00-21:00
Contact details: 501464723

Agent name: C.E-Wood Processing And Trading
Agent location: Inside The Timber Market, Tema Community 1
GPS code: GT-011-2972
Operating hours: Monday-Saturday 08:00-17:00
Contact details: 501464723

Agent name: Different Shades Enterprise
Agent location: Near The Starbite Restuarant, Tema Comm 7
GPS code: GT-004-3345
Operating hours: Tuesday-Sunday 08:00-20:00
Contact details: 501464723

Agent name: Jenni K. Ventures
Agent location: Inside The Top Oil Fuel Station Next To The Comm 25 Shopping Mall, Tema Comm 25
GPS code: GN-0544-4308
Operating hours: Monday-Friday 08:30-17:00
Saturday 09:00-15:00
Contact details: 508407312

Agent name: Marnicad Enterprise
Agent location: Kpone Car Park, Kpone
GPS code: GK-0013-5065
Operating hours: Monday-Friday 07:30-17:00
Contact details: 501464723

Agent name: Menokatz Business Enterprise
Agent location: Near Regrafix Printing Hub, Kpone Barrier
GPS code: GK-0185-8861
Operating hours: Monday-Saturday 07:00-17:30
Contact details: 501464723

Agent name: My Kids Pride Links
Agent location: Opposite Gcb Bank, Tema Comm 2
GPS code: GH-054-0285
Operating hours: Monday-Sunday 06:00-20:00
Contact details: 501464723

Agent name: Sales Blazers Agency
Agent location: Adjacent Vitaltiy Health Insurance, Tema Community 11
GPS code: GT-163-7079
Operating hours: Monday-Friday 08:30-17:30
Contact details: 501464723

Ghana Reference Rate


Ghana Reference Rates 31.31%

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.