How To Open An Online Bank Account In Ghana

Have you been wondering if you can open a bank account in Ghana without going to the bank? Then we are here to serve you all the information you need.
The truth is, you can actually open a bank account online from the comfort of your home, and equally carry out various account management duties online without visiting the bank.

WHAT IS REQUIRED FOR YOU TO OPEN AN ONLINE BANK ACCOUNT?

You will be needing the following:

One passport picture
Valid national ID card
Proof of residence/visitation report
Residence/work permit (for non-Ghanaians)
Fully completed account pack
Social Security and tax-paying identification numbers.

WHICH BANKS IN GHANA ALLOW YOU TO CREATE A BANK ACCOUNT ONLINE?

Standard Chartered Bank, GCB, Ecobank, Stanbic Bank, Fidelity Bank, Access Bank, and GT Bank are some of the Banks you can open an online account in Ghana.

WHAT ARE THE STEPS TO CREATE AN ONLINE BANK ACCOUNT IN GHANA?

Step 1: Compare accounts to find the right one
Shop around to find what bank account best fits your needs, including a checking or savings account, cash management account, or money market account. When weighing bank account types, you’ll want to consider what the purpose of the account is, such as to earn interest or for everyday spending.
Factor in the card type, minimum balance requirements, whether you can bank online or via an app, and any fees, including ATM withdrawal fees, monthly fees, and potential account fee waivers.

Step 2: Decide if you want a single or joint bank account
If you open a single account, you’re the sole owner and no one else can access your money. But with a joint bank account, you share ownership with someone else, usually a family member, significant other, or business partner. They have equal access to the account and can use the money however they wish.

Step 3: Review the deposit agreement
Be sure to read through the account’s terms and conditions, which generally cover its fees and other charges you may incur.

Step 4: Apply for your account online
If you’re at least 18 years old, you can apply for most accounts online. Click Go to site and a new window will open, sending you to the account provider’s website, a secure online application, and a checklist of things you should have with you before you apply. If you’re an existing customer of the bank, make sure you have your relevant customer ID or account number.

On the application, you’ll need to provide basic information about yourself such as your name, date of birth, address, and social security number. Be careful not to leave your computer unattended for too long because the webpage can time out and you’ll need to restart the process.

After you complete an online application for a bank account, you’ll get an email from the account provider with information about what happens next. This email should come within a minute or two after you apply to the bank. It may also come with instructions on verifying your identity.

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Step 5: Verify your identity
You’ll need to provide a government-issued ID before you’re approved for an account. Most banks will let you take a picture of your ID with your phone, though some banks require that you verify your identity in person. If you’re already a customer of the bank, you may be able to skip this step.

Step 6: Make a deposit
Most accounts will require you to make an opening deposit using a debit card or an account and routing number for an existing bank account. If this is your first bank account and you plan to make an opening deposit in cash, you’ll likely need to sign up for an account at a bank branch.

Step 7: Activate your debit card
If your account includes an ATM or debit card, you’ll need to sign the back and activate it online or over the phone so you can make withdrawals. The debit card and PIN may be sent to you separately for security reasons.

Step 8: Start using it!
Your account is ready to go. You’ll be able to make deposits and withdrawals, as well as use any other features associated with your account.

Note that some banks will demand your presence in person at any of their branches for certain transactions.

BENEFITS OF OPENING AN ONLINE BANK ACCOUNT IN GHANA

You can save yourself the stress and transportation fares involved in visiting branches in person.
In certain cases, this might be your only option, and it helps.
You can equally manage your account from the comfort of your home.
If you own a savings account, you can set up automatic deposits your mobile money means to study and build your account.
You can earn interest without worrying about monthly dues among others.

Thanks for your time, hope you enjoyed our engagement.