Ghana

Account channel

Service specification

TypeDescription
Direct to Bank methodDirect credit to bank account in Ghanaian Cedi (GHS).
Supported beneficiary account type – Individual only.
Supported Sender type - Individual only.
Transaction Turnaround Time· Real-time: 24x7 (within 15 minutes)
Area availabilityGhana nationwide
Validation / VerificationNo account validation or verification available.
Amount receivedBeneficiary received net amount as specified by Sender.
Transaction LimitMaximum per Transaction GHS 5,000.00
Minimum per Transaction GHS 10.00
Compliance accumulated limit GHS 55,000.00 per day per Beneficiary

Transaction will be on hold for compliance review based on the supporting document should the sender or receiver has exceeded the compliance limit.
Maximum BeneficiaryNo restriction
Service ChargeTransaction fee will not be refunded upon submitted to the banks.
Cancellation ProcessCancellation is on best effort basis.
RemarksSender and Beneficiary Phone Number is mandatory (with country code).
Please ensure sender id is an valid ID, as repeated sender needs to pass same sender ID.
Refund process will take 24 hours to release.
Do_Transfer bAccType Value1

Supported bank

NoName Issuer Code
1Access Bank233001
2Barclays Bank233002
3GCB Bank233003
4EcoBankBank233004
5First National Bank233005
6Heritage Bank233006
7Prudential Bank233007
8Stabic Bank233008
9Standard Chartered Bank233009
10United Bank for Africa233010
11Zenith Bank233011
12Fedelity Bank233012

Electronic wallet

Service specification

TypeDescription
Cash-out MethodDirect credit to electronic wallet Ghanaian Cedi (GHS).
Supported beneficiary account type – Individual only.
Supported sender type – Individual only.
Transaction Turnaround Time· Real-time: 24x7 (within 15 minutes)
Area availabilityGhana nationwide
Validation / VerificationNo account validation or verification available.
Amount receivedBeneficiary received net amount as specified by Sender.
Transaction LimitMaximum per Transaction GHS 5,000.00
Minimum per Transaction GHS 10.00
Compliance accumulated limit GHS 55,000.00 per day per Beneficiary

Transaction will be on hold for compliance review based on the supporting document should the sender or receiver has exceeded the compliance limit.
Maximum BeneficiaryNo restriction
Service ChargeTransaction fee will not be refunded upon submitted to the banks.
Cancellation ProcessCancellation is on best effort basis.
RemarksSender and Beneficiary Phone Number is mandatory (with country code).
Please ensure sender id is an valid ID, as repeated sender needs to pass same sender ID.
Refund process will take 24 hours to release.
Do_Transfer bAccType Value2

List of e-wallet service

NoNameIssuer Code
1Airtel GhanaEWGHAT
2MTN GhanaEWGHMT
3Tigo GhanaEWGHTG