Get the most from your bank for life

We can help you to manage your money

You want complete control of your finances, with the ability to make decisions instantly? We provide the tools and advice to help you manage your money faster, smarter and more conveniently than ever before.

On the following pages, you will find everything you need to know about every-day banking with GCB - from opening an account to accessing your money, budgeting and making sure your regular bills are paid on time.

Banking with GCB

Ghana's largest branch and ATM network, free Readycash card and easy access to great products and services.

How to open your bank account

If you do not already bank with us, opening an account is fast and easy - just come in to any one of our branches and speak to one of our Customer Service Representatives. You can also download applications from the GCB website If you are opening an account with us for the first time, please bring the following with you:

  • One passport-sized photograph.
  • Valid Ghana identity card (passport / driver's license / voter ID).
  • Proof of residential postal address.
  • A copy of any one of the following: utility bill; tenancy agreement.
  • Letter of introduction from employer.
  • An initial deposit.

If you are new to banking in Ghana, or have any questions at all, just ask our staff. We'll be happy to help you.

A few days after opening your account, you will be able to collect your GCB Readycash card from your branch. We will also provide you with your Personal Identification Number (PIN), which you should keep secret from others. Once you have your card and PIN, you can use any ATM to view your balance and make withdrawals. You can also use it to pay for items at many stores, without having to write a cheque or use cash.

You can also download the GCB internet banking form.

It's your money, so we make it easy for you to keep track of it. Check your balance any time at any of our ATMs, online or on your mobile device.

Credit facilities are also easily arranged with GCB. All you have to do is call +233 302 681 531 or visit your nearest branch for details and to apply.

Paying money into your account

You can pay money into your account by cash or cheque at any GCB branch.

You can arrange with your employer to transfer your salary directly to your account for maximum convenience, saving you the trouble of visiting a branch. That means your salary is paid directly into the account on a set day, giving you instant access from any branch or ATM.

To find out more about this, ask at any GCB branch.

Getting cash and viewing your balance

You can use your GCB Readycash card at any ATM 24/7 to view your balance and withdraw cash free of charge. Your card will work at all ATMs in Ghana, though there may be a small charge for withdrawing cash from non-GCB ATMs.

If you have a MasterCard or Visa card from GCB, you can withdraw cash from any ATM machine in Ghana or abroad displaying the Visa, MasterCard or Cirrus symbols, though there may be a charge for this.

In addition to ATMs, you can also manage your money at times that suit you via other channels such as internet and mobile banking.

Your day-to-day finances

Manage your money faster and easier than ever before with GCB banking – everything you need to stay in complete control of your finances.

Your account at a glance

An account with GCB gives you the following benefits:

  • Access to the largest branch and ATM network in Ghana.
  • 24 hour access to your account information through ATMs, mobile banking and internet banking.
  • Global ATM debit card options.
  • Flexible financing services - personal loans, small business loans and more.
  • Access to personal loans in 24 hours subject to legibility.

Accessing your Account

You can access your account on your computer by logging into GCB Internet Banking.

To sign up, download a form or ask at any branch. You just need your ATM card number and PIN (Personal Identification Number). It's that easy!

Lost or stolen cards / cheque books

If you lose your Readycash card or cheque book, it is extremely important that you report the loss as soon as possible, to GCB e-banking customer service on 0302 246 025 / 0302 254 101 so that we can prevent other people from accessing your account. You can follow up with a letter or in-branch report. You will receive a replacement card within a few days of notifying us.

Budget planning

Learning to budget your finances is vital to proper money management and helps you to reach your spending and savings goals faster.

In addition to providing great banking products and services, we help you better understand and manage your finances by providing useful advice and education.

Managing your day-to-day finances should not be complicated or time consuming. Keep track of your finances better with this helpful guide to monthly budgeting.

Budgeting and financial planning

A budget planner is designed to help your finances run more smoothly. Use it to work out what you can spend each month, including your rent or mortgage and any obligation you may have.

If you take the total expenditure away from your monthly income, you'll see how much you have left over each month.

If you take a copy of the opposite page before you fill it in, you can use it again and again, to stay in control of your budget every month.

A wide range of banking solutions for you

Whatever your needs, we offer a wide range of services to help you meet your financial goals:

Current Account

Offering convenience and flexibility, the GCB Current Account is perfect for your everyday needs, with free Readycash card and easy ATM access.

Savings Account

Save for your future faster with a choice of excellent Savings Accounts to suit your needs, including specialised business savings and investment accounts.

Personal Loans

Getting a loan is fast and easy with GCB, with approval and funds usually available within 24 hours to help you meet your needs.

Readycash Debit Cards

As Ghana's number one card issuer, GCB gives you the power of a Readycash card in your pocket to easily access your balance and money at any ATM in the country. We also offer a range of debit MasterCard / Visa cards for those who live and work outside Ghana, for easy global and regional access to your accounts.

Money Transfer

Transfer money anywhere within Ghana instantly with the GCB Xpress money transfer service, or make inward and outward international remittances in all major foreign currencies through SWIFT and other international money transfer organisations in any GCB branch.

Business Account

Customised banking services designed to meet the special needs of Small and Medium Enterprises in Ghana, with special products, services and advice.

Corporate banking

Comprehensive financial solutions for large local, regional and international corporations doing business within Ghana, including payroll, import and export services and other transaction banking services.

GCB Bank Personal Loan Form

Exchange rates - Apr, 23 2018
Currency Buying Selling
USD 4.3400 4.4500
GBP 6.1000 6.2500
EURO 5.3500 5.4800
CAD 3.4000 3.5200
YEN 0.0390 0.0450
CHF 0.0000 0.0000


Call Customer Service:

+233 302 681 531