Find an ATM


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

Agbogba Junction ATM

Shell Filling Station, Agbogba Junction (Adjacent KFC)
Accra

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

Osu ATM

Total Filling Station
Oxford Street, Osu
Accra

Contact Number
+23 324 243 5050

Spintex ATM

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

Contact Number
+23 324 243 5050

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

Base Rates


Base Rate 21.50%

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Deposit interest rates


Cheque Account (GHS)

Published at 2017-08-16

Amount Interest (per annum)
Gold 4.00%
Platinum 5.00%
Business 5.00%

Savings Account (18 years of age and older)

Published at 2017-08-16

Amount Interest (per annum)
0 - 999 5.00%
1 000 - 4 999 5.50%
5 000 - 9 999 7.00%
10 000 - 49 999 8.00%
50 000 - 2 000 000 9.00%

Future Forward (up to 18 years of age)

Published at 2017-08-16

Amount Interest (per annum)
0 - 999 5.00%
1 000 - 4 999 5.50%
5 000 - 9 999 7.00%
10 000 - 49 999 8.00%
50 000 - 2 000 000 9.00%

Flexi Fixed Deposit (USD)

Published at 2017-08-16

Amount 3 months 12 months
100 - 9 999 0.20% 1.00%
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 2017-08-16

Amount 3 months 12 months
100 - 9 999 10.00% 11.50%
10 000 - 99 999 11.00% 13.50%
100 000 - 999 999 12.00% 16.00%
1 000 000 - 2 000 000 13.00% 17.00%

7 Day Notice Deposit (USD)

Published at 2017-08-16

Amount Month 1 Month 2 Month 3
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 2017-08-16

Amount Month 1 Month 2 Month 3
1 000 - 9 999 8.00% 8.25% 8.50%
10 000 - 49 999 11.00% 11.25% 11.75%
50 000 - 249 000 12.50% 12.75% 13.00%
250 000 - 2 000 000 13.50% 13.75% 14.00%

32 Day Interest PLUS (USD)

Published at 2017-08-16

Amount Month 1 Month 2 Month 3
100 - 9 999 0.00% 0.00% 0.00%
10 000 - 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 2017-08-16

Amount Month 1 Month 2 Month 3
100 - 9 999 10.00% 10.50% 12.00%
10 000 - 49 999 10.00% 10.50% 12.00%
50 000 - 249 999 12.25% 12.50% 12.75%
250 000 - 2 000 000 12.75% 13.00% 13.25%

Call Deposits

Published at 2017-08-16

Amount Standard Call (consumer) GHS Standard Call (Commercial) GHS Standard Call (consumer) USD Standard Call (Commercial) USD
1 000 - 9 999 7.00% 8.00% 0.25% 0.25%
10 000 - 24 999 8.00% 9.00% 0.25% 0.25%
25 000 - 49 999 8.50% 9.50% 0.25% 0.25%
50 000 - 99 999 9.00% 10.00% 0.25% 0.25%
100 000 - 249 999 9.50% 10.50% 0.25% 0.25%
250 000 - 499 999 10.00% 11.00% 0.25% 0.25%
500 000 - 999 999 10.50% 11.50% 0.25% 0.25%
1 000 000 - 2 000 000 11.00% 12.00% 0.25% 0.25%

Fixed Deposits (GHS)

Published at 2017-08-16

Amount 1 000 - 9 999 10 000 - 49 999 50 000 - 249 999 250 000 - 2 000 000
1 month 10.00% 10.00% 12.00% 12.50%
3 months 12.00% 12.00% 12.50% 13.00%
6 months 13.00% 13.00% 13.50% 14.50%
12 months 15.00% 15.00% 15.50% 16.00%
18 months 15.75% 15.75% 16.00% 17.00%
24 months 17.00% 17.00% 17.50% 18.00%

Fixed Deposits (USD)

Published at 2017-08-16

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%
3 months 0.40% 0.45% 0.65% 0.95% 1.20%
6 months 0.85% 0.90% 1.10% 1.40% 1.65%
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%

Money Market Account (GHS) Investor Commercial

Published at 2017-08-16

Amount GHS USD
1 000 - 9 999 0.00% 0.00%
10 000 - 24 999 8.00% 0.25%
25 000 - 49 999 9.00% 0.25%
50 000 - 99 999 10.00% 0.25%
100 000 - 249 999 10.50% 0.25%
250 000 - 499 999 11.00% 0.25%
500 000 - 999 999 11.50% 0.25%
1 000 000 - 2 000 000 12.00% 0.25%

* 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.



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.