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

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

Please take note of the GPS numbers


Agency Plus Locations

Dadziemens Ventures

Frafraha

Business hours:
Monday − Sat: 08h00 − 17h30
Sunday: 14h30 − 19h00

Ghana Post GPS: GD-019-5429

Wanako Plus Ventures

Adenta Goil Filling Station

Business hours:
Monday − Sat: 08h30 − 21h00
Sunday: 11h30 − 21h00

Ghana Post GPS:GD-000-8589

Brobbson Pharmacy

Tema Community 25

Business hours:
Monday − Sat: 07h00 − 21h00
Sunday: 12h00 − 22h00

GhanaPost GPS - GK-0646-9995

Pretty Image Enterprise

Control - Dansoman

Business hours:
Monday − Sat: 07h30 − 20h00
Sunday: 14h00 − 20h00

GhanaPost GPS - GK − 540-04850

St. Tito Clothing

Marina Mall, Accra

Business hours:
Monday − Sat: 07h30 − 20h00
Sunday: 14h00 − 20h00

GhanaPost GPS - GL − 017-5961

Kabby Chemists

Kaneshie

Business hours:
Monday − Sat: 24 hours
Sunday: 24 hours

Ghana Post GPS: GA-310-8373

Healthaid Pharmacy

Kwashieman

Business hours:
Monday − Sat: 08h00 − 21h30
Sunday: 08h00 − 21h30

Ghana Post GPS: GA-530-8988

Bodel Limited

Agbogba

Business hours:
Monday − Fri: 09h00 − 18h30

Ghana Post GPS: GM-059-4962

Tesbury Supermarket

EPP Legon

Business hours:
Monday − Fri: 08h00 − 19h00
Saturday: 08h30 − 19h00

Ghana Post GPS: GA-310-8373

EPP Bookshop

Trade Fair - La

Business hours:
Monday − Fri: 08h30 − 17h00
Saturday: 09h00 − 16h00

Ghana Post GPS: GL-022-8606

Mega Max

Dansoman

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

Ghana Post GPS: GA-536-0695

Topmed Pharmacy

Medie

Business hours:
Monday − Fri: 08h00 − 21h00
Saturday: 08h00 − 21h00
Saturday: 10h00 − 21h00

Ghana Post GPS: GW-0487-2849

Ghana Reference Rate


Ghana Reference Rates 14.77%

Day to day banking

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Deposit interest rates


Cheque Account (GHS)

Published at 2020-05-04

Amount Interest (per annum)
Gold 0.75%
Platinum 1.50%
Business 1.50%
Corporate 1.00%

Savings Account (18 years of age and older)

Published at 2020-05-04

Amount Interest (per annum)
0 - 99 0.00%
100 - 499 0.00%
500 - 999 1.50%
1 000 - 4 999 2.00%
5 000 - 9 999 2.50%
10 000 - 24 999 4.00%
25 000 - 49 999 4.50%
50 000+ 5.00%

Business Savings Pocket Account

Published at 2020-05-04

Amount Interest (per annum)
0 - 99 0.00%
100 - 499 0.00%
500 - 999 0.00%
1 000 - 4 999 1.50%
5 000 - 9 999 2.00%
10 000 - 24 999 3.00%
25 000 - 49 999 4.00%
50 000+ 5.00%

Future Forward (up to 18 years of age)

Published at 2020-05-04

Amount Interest (per annum)
0 - 99 0.00%
100 - 499 0.00%
500 - 999 1.00%
1 000 - 4 999 1.50%
5 000 - 9 999 2.00%
10 000 - 24 999 2.50%
25 000 - 49 999 2.75%
50 000+ 3.50%

Flexi Fixed Deposit (USD)

Published at 2020-05-04

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 2020-05-04

Amount 3 months 12 months
0 - 999 0.00% 0.00%
1 000 - 4 999 4.00% 5.00%
5 000 - 9 999 5.00% 6.00%
10 000 - 24 999 5.75% 7.00%
25 000 - 49 999 6.50% 8.25%
50 000+ 7.00% 9.00%

7 Day Notice Deposit (USD)

Published at 2020-05-04

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 2020-05-04

Amount Month 1 Month 2 Month 3
0 - 999 0.00% 0.00% 0.00%
1 000 - 4 999 0.00% 0.00% 0.00%
5 000 - 9 999 3.25% 3.50% 3.75%
10 000 - 24 999 3.75% 4.00% 4.50%
25 000 - 49 999 4.50% 5.00% 5.25%
50 000+ 5.25% 5.50% 6.00%

32 Day Interest PLUS (USD)

Published at 2020-05-04

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 2020-05-04

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

Call Deposits

Published at 2020-05-04

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 2.00% 0.00% 0.00% 0.00%
5 000 - 9 999 2.20% 0.00% 0.00% 0.00%
10 000 - 24 999 2.50% 3.50% 0.25% 0.25%
25 000 - 49 999 3.00% 4.00% 0.25% 0.25%
50 000 - 99 999 4.50% 5.00% 0.25% 0.25%
100 000 - 199 999 5.00% 6.00% 0.25% 0.25%
200 000 - 249 999 5.50% 6.50% 0.25% 0.25%
250 000 - 499 999 6.00% 7.00% 0.25% 0.25%
500 000 - 999 999 6.50% 7.75% 0.25% 0.25%
1 000 000 - 2 000 000 7.00% 8.00% 0.25% 0.25%

Fixed Deposits (GHS)

Published at 2020-05-04

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% 0.00% 4.50% 4.75% 5.25% 6.00% 7.00% 8.00% 8.25%
2 months 0.00% 0.00% 4.75% 5.00% 5.50% 6.25% 7.25% 8.25% 8.50%
3 months 0.00% 0.00% 5.25% 5.50% 6.00% 7.00% 7.50% 9.50% 10.00%
4 months 0.00% 0.00% 5.50% 5.75% 6.50% 7.25% 8.00% 10.00% 10.25%
5 months 0.00% 0.00% 6.25% 6.50% 6.75% 7.50% 8.25% 10.25% 10.50%
6 months 0.00% 0.00% 6.50% 6.75% 7.00% 8.00% 8.50% 10.75% 11.00%
7 months 0.00% 0.00% 6.75% 7.00% 7.25% 8.25% 8.75% 10.75% 11.00%
8 months 0.00% 0.00% 7.00% 7.25% 7.50% 8.50% 9.25% 10.75% 11.00%
9 months 0.00% 0.00% 7.50% 7.75% 8.00% 8.75% 10.25% 11.00% 11.25%
10 months 0.00% 0.00% 7.50% 8.00% 8.25% 9.00% 10.50% 11.25% 11.50%
11 months 0.00% 0.00% 7.50% 8.00% 8.25% 9.00% 11.00% 11.25% 11.50%
12 months 0.00% 0.00% 8.00% 8.25% 8.50% 10.00% 12.00% 12.25% 12.75%
18 months 0.00% 0.00% 8.50% 8.75% 9.25% 11.00% 13.00% 13.25% 13.50%
24 months 0.00% 0.00% 9.00% 9.25% 10.00% 12.00% 13.50% 13.75% 14.00%

Fixed Deposits (USD)

Published at 2020-05-04

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.