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Ahsan Mukhtar

SWIFT codes in Ghana

GH · GHS

By Awais ImranUpdated October 9, 2026Ghana codes from the SWIFT registryOur methodology

65 banks in Ghana, from ACCESS BANK (GHANA) LIMITED (ABNGGHAC) onward; every code carries GH as its country part.

Banks

65

SWIFT codes

68

Branches

97

Currency

GHS

Banks and SWIFT codes in Ghana

A4 banks · 12 swift codes

A
ACCESS BANK (GHANA) LIMITED

SWIFT/BIC	City	Branch	Address
`ABNGGHACXXX`	ACCRA	Head Office	—

A
AFRICAN ALLIANCE SECURITIES LTD

SWIFT/BIC	City	Branch	Address
`AFASGHA1XXX`	ACCRA	Head Office	—

A
AGRICULTURAL DEVELOPMENT BANK

SWIFT/BIC	City	Branch	Address
`ADNTGHACXXX`	ACCRA	Head Office	—
`ADNTGHA10A2`	TEMA	0A2	—
`ADNTGHA10A3`	CAPE COAST	0A3	—
`ADNTGHA10A4`	BOLGATANGA	0A4	—
`ADNTGHA10A5`	WA	0A5	—
`ADNTGHA10A6`	KUMASI	0A6	—
`ADNTGHA10A7`	TAKORADI	0A7	—
`ADNTGHA10A8`	SUNYANI	0A8	—
`ADNTGHA10AT`	TAMALE	0AT	—

A
ARB APEX BANK LIMITED

SWIFT/BIC	City	Branch	Address
`AREXGHACXXX`	ACCRA	Head Office	—

B7 banks · 11 swift codes

B
BANK FOR HOUSING AND CONSTRUCTION

SWIFT/BIC	City	Branch	Address
`HCONGHA1XXX`	ACCRA	Head Office	—
`HCONGHA10A2`	ACCRA	0A2	FOREIGN BRANCH

B
BANK OF AFRICA - GHANA LIMITED

SWIFT/BIC	City	Branch	Address
`AMMAGHACXXX`	ACCRA	Head Office	—

B
BANK OF BARODA (GHANA) LIMITED

SWIFT/BIC	City	Branch	Address
`BARBGHACXXX`	ACCRA	Head Office	—

B
BANK OF GHANA

SWIFT/BIC	City	Branch	Address
`BAGHGHA4XXX`	ACCRA	Head Office	—
`BAGHGHA5XXX`	ACCRA	Head Office	—
`BAGHGHACXXX`	ACCRA	Head Office	—

B
BARCLAYS BANK OF GHANA LTD.

SWIFT/BIC	City	Branch	Address
`BARCGHACXXX`	ACCRA	Head Office	ALL BRANCHES IN GHANA
`BARCGHACOBU`	ACCRA	OBU	OFFSHORE BANKING UNIT

B
BRITISH AMERICAN TOBACCO GHANA LTD

SWIFT/BIC	City	Branch	Address
`BATSGHA1XXX`	TEMA	Head Office	—

B
BSIC GHANA LTD

SWIFT/BIC	City	Branch	Address
`BSAHGHACXXX`	ACCRA	Head Office	—

C7 banks · 8 swift codes

C
CAL BANK LIMITED

SWIFT/BIC	City	Branch	Address
`ACCCGHACXXX`	ACCRA	Head Office	—
`ACCCGHACCBS`	ACCRA	CBS	CAL BANK CUSTODY SERVICES

C
CAL BROKERS LIMITED

SWIFT/BIC	City	Branch	Address
`CABRGHA1XXX`	ACCRA	Head Office	—

C
CAPITAL BANK LIMITED

SWIFT/BIC	City	Branch	Address
`FCPBGHACXXX`	ACCRA	Head Office	—

C
CDH SECURITIES LTD

SWIFT/BIC	City	Branch	Address
`CDHSGHA1XXX`	ACCRA	Head Office	—

C
CHAPEL HILL DENHAM SECURITIES (GH) LIMITED

SWIFT/BIC	City	Branch	Address
`CHNCGHA1XXX`	ACCRA	Head Office	—

C
CITIZENS INVESTMENT BANK

SWIFT/BIC	City	Branch	Address
`CIINGHA1XXX`	ACCRA	Head Office	—

C
CONTROLLER AND ACCOUNTANT-GENERAL'S DEPARTMENT

SWIFT/BIC	City	Branch	Address
`CODGGHACXXX`	ACCRA	Head Office	—

D2 banks · 2 swift codes

D
DATABANK BROKERAGE LIMITED

SWIFT/BIC	City	Branch	Address
`DABRGHA1XXX`	ACCRA	Head Office	—

D
DYNAST PREMIER BANK LIMITED

SWIFT/BIC	City	Branch	Address
`DNPRGHA1XXX`	ACCRA	Head Office	—

E3 banks · 7 swift codes

E
EBG STOCKBROKERS LTD.

SWIFT/BIC	City	Branch	Address
`STORGHA1XXX`	ACCRA	Head Office	—

E
ECOBANK GHANA

SWIFT/BIC	City	Branch	Address
`ECOCGHACXXX`	ACCRA	Head Office	—
`ECOCGHACCUS`	ACCRA	CUS	—
`ECOCGHACKSI`	KUMASI	KSI	KUMASI BRANCH
`ECOCGHACTDI`	TAKORADI	TDI	TAKORADI BRANCH
`ECOCGHACTMA`	TEMA	TMA	TEMA BRANCH

E
ENERGY BANK GHANA LIMITED

SWIFT/BIC	City	Branch	Address
`ENRBGHACXXX`	ACCRA	Head Office	—

F5 banks · 5 swift codes

F
FBNBANK GHANA LIMITED

SWIFT/BIC	City	Branch	Address
`INCEGHACXXX`	ACCRA	Head Office	—

F
FIDELITY BANK LIMITED

SWIFT/BIC	City	Branch	Address
`FBLIGHACXXX`	ACCRA	Head Office	—

F
FIRST ATLANTIC BANK LIMITED

SWIFT/BIC	City	Branch	Address
`FAMCGHACXXX`	ACCRA	Head Office	—

F
FIRST ATLANTIC BROKERS LIMITED

SWIFT/BIC	City	Branch	Address
`FABRGHA1XXX`	ACCRA	Head Office	—

F
FIRST NATIONAL BANK GHANA LIMITED

SWIFT/BIC	City	Branch	Address
`FIRNGHACXXX`	ACCRA	Head Office	—

G7 banks · 10 swift codes

G
GCB BANK LIMITED

SWIFT/BIC	City	Branch	Address
`GHCBGHACXXX`	ACCRA	Head Office	—
`GHCBGHACKSI`	KUMASI	KSI	—
`GHCBGHACTDI`	TAKORADI	TDI	—
`GHCBGHACTMA`	TEMA	TMA	—

G
GHANA REVENUE AUTHORITY

SWIFT/BIC	City	Branch	Address
`GHRAGHACXXX`	ACCRA	Head Office	—

G
GHANA STOCK EXCHANGE

SWIFT/BIC	City	Branch	Address
`XGHAGHA1XXX`	ACCRA	Head Office	—

G
GHL BANK LTD

SWIFT/BIC	City	Branch	Address
`GHLLGHACXXX`	ACCRA	Head Office	—

G
GN BANK LIMITED

SWIFT/BIC	City	Branch	Address
`GNBGGHACXXX`	ACCRA	Head Office	—

G
GOLD COAST SECURITIES

SWIFT/BIC	City	Branch	Address
`GOCEGHA1XXX`	ACCRA	Head Office	—

G
GUARANTY TRUST BANK (GHANA) LTD

SWIFT/BIC	City	Branch	Address
`GTBIGHACXXX`	ACCRA	Head Office	—

H2 banks · 3 swift codes

H
HERITAGE BANK LIMITED

SWIFT/BIC	City	Branch	Address
`HRTGGHACXXX`	ACCRA	Head Office	—

H
HFC BANK (GHANA) LTD

SWIFT/BIC	City	Branch	Address
`HFCAGHACXXX`	ACCRA	Head Office	—
`HFCAGHACCSD`	ACCRA	CSD	CUSTODY SERVICES

I1 banks · 1 swift codes

I
IC SECURITIES (GH) LIMITED

SWIFT/BIC	City	Branch	Address
`ICGHGHA1XXX`	ACCRA	Head Office	—

M2 banks · 2 swift codes

M
MAGNATE FINANCIAL SERVICES GHANA LIMITED

SWIFT/BIC	City	Branch	Address
`MFSHGHA1XXX`	ACCRA	Head Office	—

M
MERBAN STOCKBROKERS LIMITED

SWIFT/BIC	City	Branch	Address
`MSTCGHA1XXX`	ACCRA	Head Office	—

N3 banks · 3 swift codes

N
NATIONAL INVESTMENT BANK

SWIFT/BIC	City	Branch	Address
`NIBGGHACXXX`	ACCRA	Head Office	—

N
NEW WORLD RENAISSANCE SECURITIES LTD

SWIFT/BIC	City	Branch	Address
`NWIVGHA1XXX`	ACCRA	Head Office	—

N
NTHC LIMITED

SWIFT/BIC	City	Branch	Address
`NTHCGHA1XXX`	ACCRA	Head Office	—

O1 banks · 1 swift codes

O
OMNIBANK GHANA LIMITED

SWIFT/BIC	City	Branch	Address
`OMBLGHACXXX`	ACCRA	Head Office	—

P2 banks · 2 swift codes

P
PREMIUM BANK GHANA LIMITED

SWIFT/BIC	City	Branch	Address
`PMEBGHACXXX`	ACCRA	Head Office	—

P
PRUDENTIAL BANK LIMITED

SWIFT/BIC	City	Branch	Address
`PUBKGHACXXX`	ACCRA	Head Office	—

S10 banks · 18 swift codes

S
SABMILLER GHANA

SWIFT/BIC	City	Branch	Address
`SABMGHA1XXX`	ACCRA	Head Office	—
`SABMGHA1ABL`	ACCRA	ABL	—
`SABMGHA1VGL`	ACCRA	VGL	—

S
SDC BROKERAGE SERVICES LIMITED

SWIFT/BIC	City	Branch	Address
`SDBRGHA1XXX`	ACCRA	Head Office	—

S
SIC BROKERAGE LIMITED

SWIFT/BIC	City	Branch	Address
`SICGGHA1XXX`	ACCRA	Head Office	—

S
SOCIAL SECURITY AND NATIONAL INSURANCE TRUST

SWIFT/BIC	City	Branch	Address
`SSNTGHACXXX`	ACCRA	Head Office	—

S
SOCIETE GENERALE GHANA LIMITED

SWIFT/BIC	City	Branch	Address
`SSEBGHACXXX`	ACCRA	Head Office	—
`SSEBGHACKSI`	KUMASI	KSI	—
`SSEBGHACTAM`	TAMALE	TAM	—

S
SOVEREIGN BANK LIMITED

SWIFT/BIC	City	Branch	Address
`SVBGGHACXXX`	ACCRA	Head Office	—

S
STANBIC BANK GHANA LIMITED

SWIFT/BIC	City	Branch	Address
`SBICGHACXXX`	ACCRA	Head Office	—

S
STANDARD CHARTERED BANK GHANA LIMITED

SWIFT/BIC	City	Branch	Address
`SCBLGHACXXX`	ACCRA	Head Office	HEAD OFFICE
`SCBLGHACKSI`	KUMASI	KSI	—
`SCBLGHACSSU`	ACCRA	SSU	SECURITIES SERVICES UNIT
`SCBLGHACTDI`	TAKORADI	TDI	—
`SCBLGHACTMA`	TEMA	TMA	—

S
STERLING SECURITIES LIMITED

SWIFT/BIC	City	Branch	Address
`STSIGHA1XXX`	ACCRA	Head Office	—

S
STRATEGIC AFRICAN SECURITIES LIMITED

SWIFT/BIC	City	Branch	Address
`SARSGHA1XXX`	ACCRA	Head Office	—

T3 banks · 3 swift codes

T
TAKORADI INTERNATIONAL COMPANY

SWIFT/BIC	City	Branch	Address
`TAKOGHA1XXX`	TAKORADI	Head Office	—

T
THE BEIGE BANK LIMITED

SWIFT/BIC	City	Branch	Address
`TBGBGHACXXX`	ACCRA	Head Office	—

T
THE ROYAL BANK

SWIFT/BIC	City	Branch	Address
`TRBGGHACXXX`	ACCRA	Head Office	—

U4 banks · 7 swift codes

U
UNIBANK GHANA LIMITED

SWIFT/BIC	City	Branch	Address
`UBGHGHACXXX`	ACCRA	Head Office	—

U
UNITED BANK FOR AFRICA (GHANA) LTD

SWIFT/BIC	City	Branch	Address
`STBGGHACXXX`	ACCRA	Head Office	—

U
UNIVERSAL MERCHANT BANK LIMITED

SWIFT/BIC	City	Branch	Address
`MBGHGHACXXX`	ACCRA	Head Office	—
`MBGHGHACKSI`	KUMASI	KSI	—
`MBGHGHACTDI`	TAKORADI	TDI	—
`MBGHGHACTMA`	TEMA	TMA	—

U
UT BANK LTD

SWIFT/BIC	City	Branch	Address
`UTBKGHACXXX`	ACCRA	Head Office	—

V1 banks · 1 swift codes

V
VOLTA RIVER AUTHORITY

SWIFT/BIC	City	Branch	Address
`VRATGHACXXX`	ACCRA	Head Office	—

Z1 banks · 1 swift codes

Z
ZENITH BANK (GHANA) LIMITED

SWIFT/BIC	City	Branch	Address
`ZEBLGHACXXX`	ACCRA	Head Office	—

Ghana SWIFT code questions

What does a Ghana SWIFT code look like?

ABNGGHACXXX (ACCESS BANK (GHANA) LIMITED): bank ABNG, country GH, location AC, branch XXX.

What are the SWIFT codes for major Ghanaian banks?

Key Ghanaian bank SWIFT codes include: GCB Bank — GHCBGHAC, Ecobank Ghana — ECOCGHAC, Stanbic Bank Ghana — SBICGHAC, Absa Bank Ghana — BARCGHAC, Standard Chartered Ghana — SCBLGHAC, and Fidelity Bank Ghana — FIDLGHAC.

Can mobile money (MTN MoMo, Vodafone Cash) receive international SWIFT transfers?

No. Ghanaian mobile money platforms like MTN MoMo and Vodafone Cash cannot directly receive international SWIFT wire transfers. For bank-to-bank international wires, the sender must use the recipient bank's SWIFT code and account number. However, some remittance providers (such as WorldRemit and Remitly) can deliver funds to mobile wallets through their own payout networks.

How long does a SWIFT transfer to Ghana take?

SWIFT transfers to Ghana typically arrive within one to three business days. Transfers from major corridors (UK, US, Netherlands — home to significant Ghanaian diaspora communities) usually settle within one to two business days. Some transfers may be held briefly for Bank of Ghana compliance reporting, particularly for amounts above USD 10,000.

Can I receive USD or other foreign currencies in a Ghanaian bank account?

Yes. Most major Ghanaian banks offer domiciliary accounts (foreign currency accounts) that can receive and hold USD, GBP, and EUR. Bank of Ghana permits individuals to hold foreign currency accounts. If the recipient holds a standard GHS account, inbound foreign currency is automatically converted to cedis at the bank's buying rate. Given the GHS has experienced significant depreciation, holding funds in a domiciliary account before converting can sometimes be advantageous.

Are there Bank of Ghana regulations affecting inbound transfers?

Yes. The Bank of Ghana requires statistical reporting of all inbound foreign transfers. Transfers above USD 10,000 require a declaration of purpose. Business or investment-related transfers require documentation. Receiving banks handle regulatory reporting, but the recipient may need to provide a brief explanation of the transfer's purpose for large amounts.

What is the exchange rate situation for receiving money in Ghana?

The Ghanaian cedi (GHS) has depreciated significantly against major currencies in recent years, meaning recipients receive more cedis per dollar or pound over time — but purchasing power in Ghana has also been affected by inflation. Senders should compare the effective exchange rate (including bank spread) rather than just the headline rate when choosing a provider.

Are there fees for receiving a SWIFT transfer in Ghana?

Ghanaian banks typically charge an inbound wire processing fee, often GHS 50–200 or a small percentage of the amount. Currency conversion includes an additional spread over the mid-market rate. For smaller personal remittances, specialist providers with local GHS payout networks often offer better value than standard bank SWIFT transfers.

How SWIFT works in Ghana

The Bank of Ghana (BOG) regulates international payments and the foreign exchange market. Ghana has one of West Africa's most developed banking systems, with major banks well-connected to the SWIFT network. Alongside formal banking, mobile money (particularly MTN MoMo and Vodafone Cash) is widely used domestically, but mobile money platforms cannot directly receive international SWIFT transfers.

Ghana's major banks on the SWIFT network include GCB Bank (formerly Ghana Commercial Bank), Ecobank Ghana, Stanbic Bank Ghana, Absa Bank Ghana, and Standard Chartered Ghana. Ecobank and Stanbic have strong pan-African correspondent networks, making them well-suited for transfers from other African countries.
Bank of Ghana regulations require that all inbound foreign currency transfers be declared for statistical reporting. Transfers above USD 10,000 require documentation of purpose. The recipient's bank converts foreign currency to GHS at the prevailing exchange rate unless the recipient holds a foreign currency account (domiciliary account), which most major Ghanaian banks offer.
Ghana operates a relatively open foreign exchange market compared to some West African neighbours, but the GHS has experienced significant depreciation over recent years. Recipients expecting large transfers should consider timing of conversion or holding funds in a USD-denominated domiciliary account if waiting for a more favorable GHS rate.
2026 update: the launch of Absa Group's Global Pay platform (in partnership with Thunes, March 2026) added a new African remittance rail that reaches 18 African receive countries including Ghana, settling into bank accounts AND directly into MTN Mobile Money and Vodafone Cash wallets. For UK, US, and EU senders, this means a growing number of providers — WorldRemit, Sendwave, TapTap Send, Wise, plus Absa's own corporate-facing product — can now bypass the slow correspondent-bank step that historically delayed cross-border GHS transfers by 2–4 business days. SWIFT remains the rail for high-value business wires; for diaspora remittances under USD 5,000, mobile-money payouts via these new rails are usually faster and cheaper.

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SWIFT codes in Ghana

Banks and SWIFT codes in Ghana

AACCESS BANK (GHANA) LIMITED

AAFRICAN ALLIANCE SECURITIES LTD

AAGRICULTURAL DEVELOPMENT BANK

AARB APEX BANK LIMITED

BBANK FOR HOUSING AND CONSTRUCTION

BBANK OF AFRICA - GHANA LIMITED

BBANK OF BARODA (GHANA) LIMITED

BBANK OF GHANA

BBARCLAYS BANK OF GHANA LTD.

BBRITISH AMERICAN TOBACCO GHANA LTD

BBSIC GHANA LTD

CCAL BANK LIMITED

CCAL BROKERS LIMITED

CCAPITAL BANK LIMITED

CCDH SECURITIES LTD

CCHAPEL HILL DENHAM SECURITIES (GH) LIMITED

CCITIZENS INVESTMENT BANK

CCONTROLLER AND ACCOUNTANT-GENERAL'S DEPARTMENT

DDATABANK BROKERAGE LIMITED

DDYNAST PREMIER BANK LIMITED

EEBG STOCKBROKERS LTD.

EECOBANK GHANA

EENERGY BANK GHANA LIMITED

FFBNBANK GHANA LIMITED

FFIDELITY BANK LIMITED

FFIRST ATLANTIC BANK LIMITED

FFIRST ATLANTIC BROKERS LIMITED

FFIRST NATIONAL BANK GHANA LIMITED

GGCB BANK LIMITED

GGHANA REVENUE AUTHORITY

GGHANA STOCK EXCHANGE

GGHL BANK LTD

GGN BANK LIMITED

GGOLD COAST SECURITIES

GGUARANTY TRUST BANK (GHANA) LTD

HHERITAGE BANK LIMITED

HHFC BANK (GHANA) LTD

IIC SECURITIES (GH) LIMITED

MMAGNATE FINANCIAL SERVICES GHANA LIMITED

MMERBAN STOCKBROKERS LIMITED

NNATIONAL INVESTMENT BANK

NNEW WORLD RENAISSANCE SECURITIES LTD

NNTHC LIMITED

OOMNIBANK GHANA LIMITED

PPREMIUM BANK GHANA LIMITED

PPRUDENTIAL BANK LIMITED

SSABMILLER GHANA

SSDC BROKERAGE SERVICES LIMITED

SSIC BROKERAGE LIMITED

SSOCIAL SECURITY AND NATIONAL INSURANCE TRUST

SSOCIETE GENERALE GHANA LIMITED

SSOVEREIGN BANK LIMITED

SSTANBIC BANK GHANA LIMITED

SSTANDARD CHARTERED BANK GHANA LIMITED

SSTERLING SECURITIES LIMITED

SSTRATEGIC AFRICAN SECURITIES LIMITED

TTAKORADI INTERNATIONAL COMPANY

TTHE BEIGE BANK LIMITED

TTHE ROYAL BANK

UUNIBANK GHANA LIMITED

UUNITED BANK FOR AFRICA (GHANA) LTD

UUNIVERSAL MERCHANT BANK LIMITED

UUT BANK LTD

VVOLTA RIVER AUTHORITY

ZZENITH BANK (GHANA) LIMITED