App-first Ghanaian account with no monthly fees
A digital banking platform for Ghanaian individuals and businesses, offering accounts opened from a phone, invoicing and payment tracking, with app and USSD access.
Use when
You want a Ghanaian business account opened from your phone with no monthly fee.
Skip when
You need a universal bank for trade finance, large balances or anything a counterparty expects a full bank to provide.
The closest thing Ghana has to what Kuda or Moniepoint are in Nigeria, and the only option here you can open without visiting a branch. It states no monthly fees and no transaction charges, and pays interest. Read the licence carefully before you move the company's money: the entity is Affinity Ghana Savings and Loans Limited, which holds a Bank of Ghana savings and loans licence rather than a universal banking licence, so the scope of what it can do differs from Fidelity or Stanbic. Access is app, web and USSD on *229#, which matters when data is patchy. Launched in late 2024 and still young, so pair it with a bank account if you handle large balances.
