SWIFT codes in Ghana

GH · GHS

Find the correct SWIFT/BIC code for banks in Ghana. Use these codes when sending or receiving international wire transfers. A SWIFT code ensures your payment is routed to the correct bank and branch.

Banks and SWIFT codes in Ghana

Frequently asked questions

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.