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Junction Shopping Centre Branch

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

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+23 324 243 5050

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Accra

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Spintex Road
Accra

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Achimota
Accra

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Saturday: 09h00 − 16h00

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Agbogba Junction ATM

Shell Filling Station, Agbogba Junction (Adjacent KFC)
Accra

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West Hills Mall Branch

West Hills Mall
Dunkonah - Accra

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Osu ATM

Total Filling Station
Oxford Street, Osu
Accra

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Spintex ATM

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

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Find a branch


Junction Shopping Centre Branch

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

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

Telephone
+23 324 243 5050

Accra Branch

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

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

Telephone
+23 324 243 5050

Accra Mall Branch

Spintex Road
Accra

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

Telephone
+23 324 243 5050

Achimota Mall Branch

Achimota
Accra

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

Telephone
+23 324 243 5050

West Hills Mall Branch

West Hills Mall
Dunkonah - Accra

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

Telephone
+23 324 243 5050

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First National Bank delivers first class digital banking experience


22 September 2017 - Toma Imirhe and Elorm Desewu examine how one of the latest banks to enter the Ghanaian market is taking a profoundly different approach which stands to change the very nature of bank-customer relationships in the country.

Every bank claims to be different from its counterparts but, in truth, few really are. Finally however, a new generation bank has arrived in Ghana that actually thinks and operates differently from the rest. Quite simply, First National Bank is set to change the landscape of banking in Ghana.

First National Bank's convenient and secure digital banking channels are raising the standards to unprecedented levels in this country.

To be sure most banks have some form of digital banking offering in Ghana but the big differentiator for First National Bank is that it places digital banking at the core of its business whereas its older counterparts offer digital banking as an extension of the traditional banking model they have offered for years. At First National Bank traditional banking delivery channels are merely an additional means for customers to receive their financial products and services.

This means First National Bank's customers can do their financial transactions almost entirely from the comfort of their homes or offices, no matter how sophisticated those transactions are, simply using their laptops or their mobile phones. Indeed the strong penetration rate of mobile telephony in Ghana, and to a lesser extent, movable laptop computers, has set the foundation for First National Bank to offer digital banking to just about everybody. It certainly has extended First National Bank's reach well beyond its branch network.

"When we launched First National Bank we took the approach of driving a mobile first strategy" explains Richard Hudson, the Chief Executive of the bank. "We understood that customers are likely to own and use mobile devices so we had to give them access to banking on these devices, thereby placing customer convenience first."

This fits in perfectly with the bank's overall strategy of being first and foremost a transactional bank, offering the most convenient medium for customers to execute their financial transactions, and then providing financial intermediation for those customers who are in need.

Using digital, rather than traditional, banking to do this offers customers a whole new world of convenience. Importantly, customers have complete control over their accounts and have real-time, online information about their accounts at their fingertips, 24 hours a day.

"We place great emphasis on introducing innovative solutions that directly meet our customers' needs," asserts Richard Hudson, "whether it's providing cutting edge mobile payments solutions or enabling customers to use the self-service channels. Our Online Banking platform and mobile banking app offers, we believe, the best of experiences in Ghana."

All this is achieved by deploying a range of innovative features and products that are available to all customers in Ghana.

For instance there is the Geo Payment function which allows for payments between different accounts held with the bank within 50 m, using only the geographical location of one's phone. No account details are needed and this is available on the app.

In addition, the digital channels offer clients the ability to pay third-party beneficiaries to any other bank in Ghana. GhIPPS Instant Pay is also enabled on the app and online. The scheduled payments function allows customers to schedule regular payments well in advance. The transfer function allows for the immediate transfer of funds between a customer's various accounts. There is also a global payments function which allows clients to initiate payments to external beneficiaries via SWIFT.

First National Bank's card management function gives customers the ability to activate and cancel cards themselves. Another function, for prepaid airtime purchases, allows for airtime purchases for all mobile networks in Ghana.

Customers are enabled to remain in full control of their accounts through the inContact feature both online and on the app. Real-time notifications are sent to customer by SMS or email, any time a transaction, within predetermined parameters, occurs on the account. The statements and transaction history function allows customers to view their daily transactions and request monthly statements free for up to 90 days.

In addition the 'Manage limits' function allows customers to increase or decrease their daily or monthly payment limits thereby ensuring that the customer remains in full control of their finances.

Combined, all these digital banking products and services cover almost the entire array of transaction needs of customers with the exception of securing cash directly from one's account. However, First National Bank is not only deploying ATMs at its branches but is also deploying them at an array of strategic third-party locations including major retail shopping outlets and key fuel stations in the city.

"Digital migration and innovation are central to First National Bank's strategy" asserts Richard Hudson. "We pride ourselves on our ability to solve customer angst through efficient and cost-effective digital solutions."

Instructively, First National Bank's digital banking applications are extremely popular in South Africa and across the continent, where the bank is represented through various subsidiaries. Indeed they have won several awards for their digital and electronic banking offerings - evidencing the quality of their offerings and superiority over competing products.

First National Bank's excellent and secure digital product offerings will hopefully, over time, go some way towards breaking down the reluctance to embrace digital banking in Ghana especially at the lower end of the market.

Importantly though, with digital banking being central to its product and service offering, First National Bank uses cyber security - its firewalls are all but impregnable. Verification of user name, password or fingerprints are required when accessing digital banking. Beyond the security of customer accounts in general, a one-time PIN is sent to a customer's phone or email which must be used before new, or 'out of the ordinary', digital financial transaction can be approved, giving customers peace of mind that their funds are safe at the bank.

While First National Bank has established several layers of cyber security for its digital banking customers, the customers themselves need to play a simple, but crucial role in ensuring their own security. "Our customers need to be vigilant and protect personal banking information such as username, password, card and PIN details," warns Hudson. "As a result we are also investing in customer education to ensure that our customers have the necessary information to safeguard their transactions. We urge all customers to keep up to date with the latest cyber scams and the measures that they need to take to ensure that their accounts are not compromised, all of which are available in the Security Centre of First National Bank's website."

Savings is a big feature on the bank's digital banking platforms. "The feature known as Bank Your Change (BYC) provides an opportunity for our customers to save money (as they spend). As a client you can instruct the bank to round each purchase value up to the nearest cedi and transfer the difference between the purchase amount and that amount debited into a linked Savings Pocket Account, which earns good interest. This makes savings painless, very simple and easy and it is surprising how quickly these amounts build up to something significant" Mr. Hudson explains.

"At First National Bank we believe that digital migration is the future, mainly due to changing customer needs but also due to the convergence of banking and mobile," says Hudson. "We will continue to empower our customers with functionality to bank digitally, in line with their changing needs." The digital revolution is inevitable and everyone will be enjoying the benefits of this for many years to come.

First National Bank set to lead in innovation in the banking industry


13 October 2017 - First National Bank is promising its customers some exciting times in the months ahead with its innovative products and multiple banking channels. The move the bank explained is to delight its customers and let them enjoy the first-class banking associated with it in countries that it operates.

First National Bank is a subsidiary of FirstRand Group of South Africa one of the biggest financial institutions in Africa with a full banking presence in South Africa, Namibia, Botswana, Swaziland Lesotho, Mo?ambique, Zambia and Tanzania. It entered the Ghanaian market about a year and half ago and has set out to drive digital banking to bring convenience and efficiency to the banking public.

Delali Dzidzienyo, Head of Marketing and Corporate Affairs said in an interview that the bank has "unflinching zeal to help businesses and individuals succeed. We believe digital innovation is a major conduit on this journey to meet our individual and business clients' unique needs. We will embrace this in the most relevant and convenient way". This, he explained, informed their decision to create multiple channels for the banking public so that customers can choose what best suits their interests at each point in time. He indicated that the bank's online platform offered customers a plethora of services which they could perform without visiting the banking hall.

Mr. Dzidzienyo said the bank has a good appreciation of the Ghanaian market and has banking solutions to "cater for the ever-changing needs of our business and corporate clients". He explained that the bank was leveraging off the expertise and experience of its parent company and the rich local knowledge of its team to proffer innovative solutions to customers. "We don't see banking as taking deposits and giving out loans, we see banking as growing businesses and improving lives of individuals and that is how we've tailored our products and services" the Head of Marketing and Corporate Affairs emphasised.

There is a growing use of digital platforms for commerce in Ghana but Mr. Dzidzienyo noted that the key requirement here is the ease of making and receiving payments. He said as part of its innovation drive, First National Bank was going to provide individuals and businesses seamless payment and collections solutions across all channels - mobile, ATM, and online. He said the bank will also create opportunities to regularly engage with its customers to ensure that they carry them along as the bank deepens its operations in Ghana.

First National Bank's subsidiary in South Africa recently received global recognition as one of the world's most powerful banking brands, ranked 4th in the banking category of Brand Finance's Brand Strength Index (BSI) for 2017. This latest global accolade extends the international recognition of brands within the FirstRand Group, after a number of brands within the group were named in different categories of awards across Africa.

First National Bank's Geo Payment service is the new way to pay


09 October 2017 - The move to make payments simple and convenient is evident in First National Bank's Geo Payment offering. A Geo Payment is an electronic payment that enables customers of First National Bank to send and receive money when in proximity to other customers of the bank. The service allows seamless transfer of money using mobile phones, without having to add the bank details of the recipient. All that is required is for the sender and receiver to be in the same geographical vicinity. It is safe, secure and the process is authenticated by means of the banking application's existing programming interface, the bank explained.

For a transaction to occur using Geo Payment, both the payer and the beneficiary need to switch on the location settings on their phones to identify the client to be paid and then they can make payments instantly without inserting any account details. The service is available to all customers of the bank and comes at no extra cost.

The Geo Payments functionality has been used successfully in Ghana since the bank began operations about a year and half ago. It was, however, launched in 2012 by its parent company and is used extensively by its customers in South Africa and other countries where the bank operates.

The Head of Marketing and Corporate Affairs at First National Bank, Delali Dzidzienyo, said in an interview, that Geo Payments is "a preferred way to send money instantly and safely once the recipient is in close proximity without the laborious process of typing long account numbers". He explained that the payment is instant between the accounts of the customers. Mr. Dzidzienyo said "just the other day, a colleague and I went to a restaurant which does not accept card payments and I didn't have cash readily available. Luckily, my colleague had sufficient cash to settle the entire bill and I instantly reimbursed him by transferring money directly into his First National Bank account using Geo Payments".

"We want our customers to do whatever they want with their money without driving to our branches", Mr. Dzidzienyo noted. He explained that the bank has given its customer a plethora of payment channels for them to choose from, depending on their need at each time. "This payment option comes in handy when you need to buy or pay for something in cash but don't have it readily available at the time, or you want to send money to a colleague or a friend, you just grab your phone and Geo Pay him or her. The sender or receiver will not pay any commission for the transaction and it works within a 50 m radius. Geo Pay is just convenient and cool," he explained. First National Bank prides itself with driving digital banking so that its customers will have little or no reason to enter a banking hall.

According to Mr. Dzidzienyo, First National Bank is riding heavily on technology and innovation to deliver modern banking to the public. "We understand that consumers are more likely to own and use mobile devices and so we are only multiplying utility for the device they already have. The service is available on the bank's app for iOS and Android devices."

The parent company of the bank in South Africa is one of the biggest on the African continent and has been in existence for 179 years and is the largest bank by market capitalisation listed on the Johannesburg Stock Exchange - Africa's largest bourse. First National Bank is leveraging off the experience and financial muscle of its parent company to excel in Ghana.

First National Bank adjudged the most innovative African Bank


27 November 2017 - First National Bank, a division of FirstRand group, (which is the largest financial institution in Africa by market capitalisation) has been adjudged The Most Innovative African Bank at the 2017 African FinTech Awards for the second year in a row.

The African FinTech Awards recognises innovative and disruptive financial technology companies that have excelled in their sphere of business. Some of bank's achievements include becoming the first bank in Africa to offer integrated telco service, FNB Connect in 2015, which offers a First National Bank branded SIM.

Last year, the bank became the first bank in Africa to launch its own branded smartphones has sold more than 75 000 FNB-branded ConeXis smartphones in Africa.

Jacques Celliers, First National Bank group chief executive was humbled by the award. "This accolade demonstrates our consistency in creating solutions that prioritise exponential helpfulness to address the needs of our individual and business customers. For us, innovation is a journey that is rooted in customer-centricity," Celliers said.

Commenting on the award, the Chief Operations Officer at First National Bank, Vish Chetty said, "this award comes to confirm our resolve to replicate many of our innovative solutions in other subsidiaries including Ghana. As Africa's most innovative bank, we will bring our experiences in other markets to bear here in Ghana and make sure Ghanaians experience what our brand stands for - innovation."

First National Bank Ghana Limited, one of the youngest banks in the country, took the lead to introduce a new way of making payment - Geo Payment, the first of its kind in Ghana. This is an electronic payment that enables customers of bank to send and receive money when in proximity to other customers of the bank.

According to Chetty, First National Bank is relying heavily on technology and innovation to deliver modern banking to the Ghanaian public.


Ghana news

First National Bank adjudged the most innovative African Bank

27 November 2017 - First National Bank, a division of FirstRand group, (which is the largest financial institution in Africa by market capitalisation) has been adjudged The Most Innovative African Bank at the 2017 African FinTech Awards for the second year in a row.


 

First National Bank set to lead in innovation in the banking industry

13 October 2017 - First National Bank is promising its customers some exciting times in the months ahead with its innovative products and multiple banking channels. The move the bank explained is to delight its customers and let them enjoy the first-class banking associated with it in countries that it operates.


 

First National Bank's Geo Payment service is the new way to pay

09 October 2017 - The move to make payments simple and convenient is evident in First National Bank's Geo Payment offering. A Geo Payment is an electronic payment that enables customers of First National Bank to send and receive money when in proximity to other customers of the bank.


 

First National Bank Ghana delivers first-class digital banking experience

22 September 2017 - Toma Imirhe and Elorm Desewu examine how one of the latest banks to enter the Ghanaian market is taking a profoundly different approach which stands to change the very nature of bank-customer relationships in the country.

 

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FNB is the most innovative bank in Africa

African FinTech Awards 2016

First National Bank (FNB) was honoured last night at the 2016 African FinTech awards by walking away with the coveted title of "Most Innovative Bank in Africa". Part of the annual Finance Indaba, these awards recognize and reward innovative and disruptive FinTech companies that have originated in or are primarily focused on Africa...