Business account with card acceptance built in
Business current and savings accounts with SME lending, asset finance, Business Internet Banking, and POS and e-commerce card acceptance including Mobi Tap.
Use when
You want the business account and the card terminal from the same bank.
Skip when
You need programmatic access to transactions, where a fintech account with an API fits better.
The reason to shortlist this one over another Ghanaian bank is that card acceptance sits with the same institution as the account, so settlement lands where you already bank instead of arriving from a separate processor. Mobi Tap turns a phone into a card terminal, which is the cheap way to start taking cards without buying hardware. It runs named programmes for startups and for women-led businesses, worth asking about directly since they are not self-serve. Business Internet Banking exists but the site advertises no public API, so treat automated reconciliation as something to confirm before you build on it. Fees are in a downloadable tariff guide rather than on the page.
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