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



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

Find a branch


Agency Plus Locations

Brobbson Pharmacy

Tema Community 25
GhanaPost GPS - GK-0646-9995

Pretty Image Enterprise

Dansoman
GhanaPost GPS - 540-04850

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

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

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

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

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

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

Tema Branch

Giaan Towers
Hospital Road
Community Eleven − Tema

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

Telephone
+23 324 243 5050

Ghana Reference Rate


Ghana Reference Rates 16.11%

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Deposit interest rates


Cheque Account (GHS)

Published at 2019-05-02

Amount Interest (per annum)
Gold 1.00%
Platinum 2.00%
Business 2.00%

Savings Account (18 years of age and older)

Published at 2019-05-02

Amount Interest (per annum)
0 - 99 0.00%
100 - 499 0.00%
500 - 999 3.00%
1 000 - 4 999 3.50%
5 000 - 9 999 4.00%
10 000 - 24 999 4.50%
25 000 - 49 999 5.00%
50 000+ 5.50%

Business Savings Pocket Account

Published at 2019-05-02

Amount Interest (per annum)
0 - 99 2.00%
100 - 499 2.00%
500 - 999 2.00%
1 000 - 4 999 4.00%
5 000 - 9 999 4.00%
10 000 - 24 999 6.50%
25 000 - 49 999 6.50%
50 000+ 9.00%

Future Forward (up to 18 years of age)

Published at 2019-05-02

Amount Interest (per annum)
0 - 99 0.00%
100 - 499 0.00%
500 - 999 2.00%
1 000 - 4 999 2.50%
5 000 - 9 999 3.00%
10 000 - 24 999 3.50%
25 000 - 49 999 4.00%
50 000 + 4.50%

Flexi Fixed Deposit (USD)

Published at 2019-05-02

Amount 3 months 12 months
100 - 9 999 0.00% 0.00%
10 000 - 99 999 0.25% 1.15%
100 000 - 999 999 0.45% 1.20%
1 000 000 - 2 000 000 0.75% 2.00%

Flexi Fixed Deposit (GHS)

Published at 2019-05-02

Amount 3 months 12 months
0 - 999 0.00% 0.00%
1 000 - 4 999 5.75% 8.25%
5 000 - 9 999 5.75% 9.25%
10 000 - 24 999 6.75% 10.25%
25 000 - 49 999 7.25% 11.50%
50 000 + 7.75% 12.25%

7 Day Notice Deposit (USD)

Published at 2019-05-02

Amount Month 1 Month 2 Month 3
0 - 49 999 0.00% 0.00% 0.00%
50 000 - 249 999 0.10% 0.20% 0.30%
250 000 - 2 000 000 0.20% 0.30% 0.40%

7 Day Notice Deposit (GHS)

Published at 2019-05-02

Amount Month 1 Month 2 Month 3
0 - 999 0.00% 0.00% 0.00%
1 000 - 4 999 3.75% 4.00% 4.25%
5 000 - 9 999 3.75% 4.00% 4.25%
10 000 - 24 999 4.25% 4.50% 4.75%
25 000 - 49 999 5.25% 5.50% 5.75%
50 000 + 5.75% 6.00% 6.25%

32 Day Interest PLUS (USD)

Published at 2019-05-02

Amount Month 1 Month 2 Month 3
0 - 49 999 0.00% 0.00% 0.00%
50 000 - 249 999 0.20% 0.30% 0.40%
250 000 - 2 000 000 0.30% 0.40% 0.50%

32 Day Interest PLUS (GHS)

Published at 2019-05-02

Amount Month 1 Month 2 Month 3
0 - 999 0.00% 0.00% 0.00%
1 000 - 4 999 5.00% 5.50% 6.00%
5 000 - 9 999 5.00% 5.50% 6.00%
10 000 - 24 999 5.50% 6.50% 7.00%
25 000 - 49 999 6.50% 7.00% 7.50%
50 000 + 7.00% 7.50% 8.00%

Call Deposits

Published at 2019-05-02

Amount Standard Call (consumer) GHS Standard Call (Commercial) GHS Standard Call (consumer) USD Standard Call (Commercial) USD
0 - 999 0.00% 0.00% 0.00% 0.00%
1 000 - 4 999 4.00% 5.00% 0.00% 0.00%
5 000 - 9 999 4.20% 5.20% 0.00% 0.00%
10 000 - 24 999 4.50% 5.50% 0.25% 0.25%
25 000 - 49 999 5.00% 6.00% 0.25% 0.25%
50 000 - 99 999 5.50% 6.50% 0.25% 0.25%
100 000 - 199 999 6.00% 7.00% 0.25% 0.25%
200 000 - 249 999 6.50% 7.50% 0.25% 0.25%
250 000 - 499 999 7.00% 8.00% 0.25% 0.25%
500 000 - 999 999 7.50% 8.50% 0.25% 0.25%
1 000 000 - 2 000 000 8.00% 9.00% 0.25% 0.25%

Fixed Deposits (GHS)

Published at 2019-05-02

Amount 0 - 999 1 000 - 4 999 5 000 - 9 999 10 000 - 24 999 25 000 - 49 999 50 000 - 99 999 100 000 - 249 999 250 000 - 999 999 1 000 000 - 2 000 000
1 month 0.00% 5.00% 5.00% 5.50% 6.50% 7.00% 7.50% 9.00% 10.00%
2 months 0.00% 5.50% 5.50% 6.50% 7.00% 7.50% 8.00% 9.50% 10.75%
3 months 0.00% 6.00% 6.00% 7.00% 7.50% 8.00% 8.75% 10.00% 11.25%
4 months 0.00% 6.25% 6.25% 7.25% 8.00% 8.25% 9.00% 10.25% 11.50%
5 months 0.00% 6.50% 6.50% 7.50% 8.25% 8.50% 9.25% 10.50% 12.00%
6 months 0.00% 7.00% 7.00% 8.00% 8.75% 9.25% 9.75% 11.50% 12.75%
7 months 0.00% 7.00% 7.00% 8.00% 8.75% 9.25% 9.75% 11.50% 12.75%
8 months 0.00% 7.00% 7.00% 8.00% 8.75% 9.25% 9.75% 11.50% 12.75%
9 months 0.00% 7.50% 7.50% 8.75% 9.25% 9.75% 11.50% 12.75% 13.50%
10 months 0.00% 7.50% 7.50% 8.75% 9.25% 9.75% 11.50% 12.75% 13.50%
11 months 0.00% 7.50% 7.50% 8.75% 9.25% 9.75% 11.50% 12.75% 13.50%
12 months 0.00% 8.50% 9.50% 10.50% 11.75% 12.50% 13.50% 14.15% 14.75%
18 months 0.00% 8.75% 9.75% 10.75% 12.00% 12.75% 13.75% 14.50% 15.00%
24 months 0.00% 9.00% 10.00% 11.00% 12.25% 13.00% 14.00% 14.75% 15.50%

Fixed Deposits (USD)

Published at 2019-05-02

Amount 10 000 - 199 999 200 000 - 499 999 500 000 - 999 999 1 000 000 - 1 499 999 1 500 000 - 2 000 000
1 month 0.10% 0.15% 0.35% 0.65% 0.90%
2 months 0.25% 0.30% 0.50% 0.80% 1.05%
3 months 0.40% 0.45% 0.65% 0.95% 1.20%
4 months 0.55% 0.60% 0.80% 1.10% 1.35%
5 months 0.70% 0.75% 0.95% 1.25% 1.50%
6 months 0.85% 0.90% 1.10% 1.40% 1.65%
7 months 1.00% 1.05% 1.25% 1.55% 1.80%
8 months 1.15% 1.20% 1.40% 1.70% 1.95%
9 months 1.30% 1.35% 1.55% 1.85% 2.10%
10 months 1.45% 1.50% 1.70% 2.00% 2.25%
11 months 1.60% 1.65% 1.85% 2.15% 2.40%
12 months 1.75% 1.80% 2.00% 2.30% 2.55%
18 months 2.05% 2.10% 2.30% 2.60% 2.85%
24 months 2.20% 2.25% 2.45% 2.75% 3.00%

* NACM (nominal annual compounded monthly)

(Interest is calculated on a daily balance and credited monthly)

All rates are tiered depending on account balance, so the more you save the more you earn! For wholesale rates (greater than GHS 2.0 m) call our dealers on +233 (0)24 243-5050.

An applied charge is effected when you disinvest before maturity date. This charge does not affect your capital invested.


To find out more and to tailor your needs, please visit your nearest branch of First National Bank Ghana.

Deposit interest rates


Our deposit interest rates vary from product to product and are also based on each product's unique characteristics such as duration of investment, minimum investment amount, etc.