Do I need a Ghana Card to open a bank account in 2026?

Yes, as of January 2026, the Ghana Card is now mandatory for all bank transactions in Ghana, including opening new accounts. This is a major regulatory change that affects everyone, including foreign nationals.

The New Requirement (2026):

In October 2025, the Bank of Ghana issued a directive that came into effect immediately and was published on January 8, 2026. The key requirements are:

• Ghana Card required for ALL banking customers
• Applies to new account opening and existing customers
• Biometric verification with liveness check required
• Affects Ghanaian citizens, permanent residents, and resident ECOWAS nationals

What This Means for Foreign Nationals:

The directive specifically mentions "Ghanaian citizens at home and abroad, permanent residents, and resident ECOWAS nationals." The situation for other foreign nationals is less clear:

If you have Right of Abode or are a permanent resident:

• You should be eligible for a Ghana Card
• The card will be required for banking

If you're on a work permit or residence permit:

• You may need the Non-Citizens Ghana Card (Alien ID)
• Check with specific banks about their requirements
• Some banks may have alternative processes for foreign nationals

If you're a short-term visitor or don't have a Ghana Card:

• Opening accounts may be more challenging
• Some banks might offer non-resident accounts with different requirements
• Contact banks directly before arrival

How to Get a Ghana Card:

For Eligible Applicants:

1. Visit National Identification Authority (NIA) registration center
2. Provide required documents:

• Valid passport or travel document
• Residence permit (for foreign nationals)
• Proof of address
• Birth certificate or equivalent

1. Biometric data captured (photo, fingerprints)
2. Processing time: Varies (can be weeks to months)

Mobile Money Alternative:

While Ghana Card is now required for bank accounts, Mobile Money (MoMo) remains more accessible and is used more widely than bank accounts in Ghana:

MTN Mobile Money & Vodafone Cash:

• Require Ghana Card OR passport + residence permit for registration
• Can be easier to set up than bank account
• Widely accepted across Ghana
• Essential for daily transactions

Digital Banking Options:

Some banks now offer digital account opening through mobile apps:

• GCB Mobile App: Digital onboarding available
• Bank of Africa BMobile: Dial *840# or use app
• Still require Ghana Card and biometric liveness check

Practical Steps for New Arrivals:

Before Arrival:

1. Contact your intended bank about foreign national requirements
2. Bring all documents (passport, visa, employment letter, proof of address)
3. Have funds in cash or accessible internationally (Wise, credit cards)

Upon Arrival:

1. Apply for Ghana Card/Alien ID immediately if eligible
2. Set up Mobile Money account (MTN or Vodafone)
3. Use MoMo for daily transactions while waiting for Ghana Card
4. Open bank account once Ghana Card is issued

Which Banks Are More Expat-Friendly:

Based on expat experiences, these banks have traditionally been easier for foreigners:

• Ecobank: Pan-African network
• Stanbic Bank: Experience with expats
• Standard Chartered: International bank
• Barclays/Absa: International presence

Important Recommendations:

• Don't assume - Call banks directly about current requirements
• Get Ghana Card early - Essential for long-term residents
• Use Mobile Money - More accessible and widely used
• Bring international payment methods - Wise, credit cards as backup
• Budget extra time - Bureaucracy can be slow

Summary:

The Ghana Card requirement represents a significant tightening of banking regulations. For long-term residents, getting the Ghana Card (or Alien ID for foreign nationals) is now essential. Mobile Money remains a viable alternative for daily transactions and may be more accessible while you navigate the Ghana Card process.