Our Personal Current Account makes managing your day-to-day finances a breeze! Enjoy secure, on-demand access to your funds anytime, anywhere. Whether you’re using internet banking, ATMs, POS, or mobile banking, we’ve got you covered.

Offer:

• Access to cheque book
• Access to payment cards (local and international)
• Access to digital services
• Access to credit facilities (terms and conditions apply)

Features:

• A minimum opening balance of  GHS100.00
• No minimum operating balance
• A monthly service fee is charged (refer to tariff guide)

Requirements:

• Fully completed account opening form.
• Proof of identification (Ghana Card)
• Proof of residence (recent utility bill of house of residence or Tenancy Agreement or any other document stated in the Bank’s requisite policy documents)
• Ghana Post GPS address
• A recent passport-size photo For foreigners (All resident/work permit)

Experience the exclusivity of our Priority Plus Account, crafted for clients who value personalized service, tailored financial solutions and a world of exclusive benefits.

Offer:                                                                                                       

• Expedited services at all CBG Branches
• Access to furnished priority lounges at designated branches
• Exclusive benefits and discounts with our lifestyle partners
• 1 Free customized cheque book per year
• Free international payment card
• Access to digital services
• Interest earning account
• Embedded insurance packages
• Dedicated relationship manager
• Invitation to exclusive events                                                                                                                                                                                                                                Access to credit facilities (terms and conditions apply).

Features:

• A minimum opening balance of GHS1,000.00
• No minimum operating balance
• A monthly service fee is charged (refer to tariff guide)
• Tiered interest rate (refer to tariff guide)

Requirements:

• Fully completed account opening form.
• Proof of identification (Ghana Card)
• Proof of residence (recent utility bill of house of residence or Tenancy Agreement or any other document stated in the Bank’s requisite policy documents)
• Ghana Post GPS address
• A recent passport-size photo
• For foreigners (All resident/work permit)

Our flexible Personal Savings Account is perfect for saving money with ease! Enjoy unrestricted deposits and withdrawals, plus competitive interest rates to keep your savings secure for any unexpected needs.

Offer:

• Competitive interest rates (refer to tariff guide)
• Access to payment cards (local and international)
• Access to digital services
• No monthly maintenance fees

Features:

• A minimum opening balance of GHS50.00
• A minimum operating balance of GHS20.00
• Tiered interest rate (refer to tariff guide)

Requirements:

• Fully completed account opening form.
• Proof of identification (Ghana Card)
• Proof of residence (recent utility bill of house of residence or Tenancy Agreement or any other document stated in the Bank’s requisite policy documents)
• Ghana Post GPS address
• A recent passport-size photo
• For foreigners (All resident/work permit)
• For students -Student Identification Card, Passport (foreign students), letter from the Head of educational institution (where applicable).In instances where the school ID has not been issued, the students admission letter affixed with the student photo would suffice.

Give your child a head start on their financial journey with the 1st Account! Teach them smart money habits early on while enjoying free life insurance coverage and competitive interest rates on their savings. This account is held in trust for your children under 18, ensuring their future is bright and secure.

Offer:

• Competitive interest rate (refer to tariff guide)
• Access to digital services
• Free insurance package
• No monthly maintenance fees

Features:

• A minimum opening balance of GHS50.00
• A minimum operating balance of GHS50.00
• Tiered interest rate (refer to tariff guide)

Requirements:

• Fully completed account opening form.
• Proof of identification (Ghana Card)
• Proof of residence of parent/guardian (recent utility bill of house of residence or
• Tenancy Agreement or any other document stated in the Bank’s requisite policy documents)
• Ghana Post GPS address of parent/guardian
• A recent passport size photo each of parent/ guardian and child
• Tax Identification Number (TIN) of parent/guardian
• Birth Certificate, Passport, Baptismal Certificate or Weighing Card of the child etc.

Experience the ultimate blend of convenience and value with the Flex Plus Account! Enjoy the freedom of using your cheque book while earning interest, all in one seamless account.

Offer:

• Competitive interest rates (refer to tariff guide)
• Access to cheque book
• Access to payment cards (local and international)
• Access to digital services

Features:

• A minimum opening balance of GHS 200.00
• A minimum operating balances of GHS 100.00
• Unlimited withdrawals
• Flat monthly service fee applies (refer to tariff guide)

Requirements:

• Fully completed account opening form.
• Proof of identification (Ghana Card)
• Proof of residence (recent utility bill of house of residence or Tenancy Agreement or any other document stated in the Bank’s requisite policy documents)
• Ghana Post GPS address
• A recent passport-size photo
• For foreigners (All resident/work permit)

Grow your wealth with our high earning  investment plan. Enjoy flexibility to build cash or top-up as you go, all while monitoring your progress effortlessly.

Offer:

• The minimum balance required to earn interest is GHS100,000.00.
• The interest rate is flat 10% per annum

Features:

• A minimum opening balance of GHS200.00
• A minimum operating balance of GHS200.00
• Loss of interest after any withdrawal within given quarter (every/any withdrawal will lead to a forfeiture of interest within quarter of that withdrawal.
• Allows for cash build up or top up for the investment along the journey

Requirements:

• Fully completed account opening form.
• Proof of identification (Ghana Card)
• Proof of residence (recent utility bill of house of residence or Tenancy Agreement or any other document stated in the Bank’s requisite policy documents)
• Ghana Post GPS address
• A recent passport size photo
• For foreigners (All resident/work permit

PERSA Term Loans offer individual salary workers who receive their salaries in their CBG Current Account easy and convenient access to financing for their urgent needs.

Offer:

• Competitive interest rates
• No fees or charges for early pay off
• Fast and easy access to loans for qualifying applications

Features:

• Monthly repayment amounts of up to 50% of your monthly take home salary up to 72 months repayment period
• You have access to loans up to GHS 400,000.00 (terms and conditions apply)

Requirements:

• Fully completed loan application form.
• Proof of identification (Ghana Card)
• Passport size picture
• Proof of income (last 3 months pay slips)
• Proof of employment (Letter of undertaking from employer)
• 3 months’ salary credits on CBG bank statement
• 6 months statement from previous bank (for applicants who want to apply after receiving the 1st salary payment into their CBG salary account)

This is a quick loan facility for salaried workers catering to their urgent cashflow needs. The loan product offers swift financial assistance payable within thirty (30) days or the next salary payment for employees who receive regular monthly salaries.

Offer:

• Competitive interest rates
• No collateral required
• No fees or charges for early pay off
• Turnaround time (TAT) will be within two (2) working days)

Features:

• 'Bullet' repayment at the end of the loan term
• No early repayment penalty
• Borrow up to 85% of your monthly take-home salary.
• Minimum loan amount: GHS1,000.00.
• Maximum loan amount: GHS10,000.00 for regular account holders, and up to GHS20,000.00 for High-Net-Worth customers (priority customers) (terms and conditions apply)

Requirements:

• Fully completed Loan application form.
• Nationally accepted identification card
• Passport size picture
• Proof of income (latest payslips)
• Proof of employment (Letter of undertaking from employer)
• A minimum of 3 months’ salary credits on CBG bank statement
• Credit Bureau report
• Any other document as stated in the Bank’s Credit Policy

Don't just dream it…Live it! With DreamLife you can pick up what you need from any of our partner vendors at the displayed showroom price and pay over 12 months. There are no additional charges and no interest! Strictly for customers who receive their salaries through a CBG current account.

Offer:

• 0% interest
• No fees or charges for early pay off
• Fast and easy access to loans for qualifying applications

Features:

• Monthly repayment amounts of up to 50% of your monthly take home salary
• Up to 12 months repayment period
• You have access to loans up to GHS 100,000.00 (terms and conditions apply)

Requirements:

• Fully completed Loan application form.
• Proof of identification (Ghana Card)
• Passport size picture
• Proof of income (last 3 months pay slips)
• Proof of employment (Letter of undertaking from employer)
• 3 months’ salary credits on CBG bank statement
• 6 months statement from previous bank (for applicants who want to apply after receiving the 1st salary payment into their CBG salary account)
• Invoice from Vendor

The Corporate Scheme Loan is an arrangement that offers group loans to employees of reputable organisations to finance your dreams.

Offer:

• Competitive interest rates for Personal Loans
• 0% Interest for Dreamlife Loans
• No fees or charges for early pay off
• Fast and easy access to loans for qualifying applications

Features:

• Monthly repayment amounts of up to 50% of your monthly take home salary
• Up to 72 months repayment period for Persa Term Loans
• Up to 12 months repayment period for Dreamlife Loans
• You have access to loans up to GHS 400,000.00 for Personal Loans (terms and conditions apply)
• You have access to loans up to GHS 100,000.00 for Dreamlife Loans (terms and conditions apply)

Requirements:

• Fully completed Loan application form. Proof of identification (Ghana Card)
• Passport size picture
• Proof of income (last 3 months pay slips)
• Fully completed company profiling
• Fully completed agreement document between the Bank and employer

A credit arrangement tailored to allow individual account holders with actively managed accounts to exceed their account balance up to a pre-approved limit, addressing temporary gaps in cash flow.

Offer:

• Competitive interest rates
• Up to 60%  of monthly take-home salary
• Fast and easy access to loans for qualifying applications

Features:

• Maximum tenor twelve (12) months
• Minimum overdraft amount: GHS 1,000.00
• Access to overdraft of up to GHS 20,000.00 (terms and conditions apply)

Requirements:

• Fully completed Loan application form.
• Nationally accepted identification card Passport size picture
• Proof of income (latest payslips)
• Proof of employment (Letter of undertaking from employer)
• A minimum of 3 months’ salary credits on CBG bank statement
• Credit Bureau report
• Any other document as stated in the Bank’s credit policy

This facility is targeted at Ghanaians conducting business in their personal names or capacities - what we will refer to as solopreneurs or individual businesses.

Offer:

• Competitive interest rates
• No fees or charges for early pay off
• Fast and easy access to loans for qualifying applications

Features:

• Sika Collect (mandatory)
• No collateral security required
• Monthly loan repayment schedule
• Cashflow lending – No financial statements required (customer’s monthly conduct)
• Maximum exposure of up to GHS20,000.00
• Minimum exposure of GHS5,000.00
• Turnaround Time (TAT) will be within 48 hours
• Credit Life insurance

Requirements:

• Fully completed application form.
• Proof of identification (Ghana Card)
• Proof of residence (recent utility bill of house of residence or Tenancy Agreement or any other document stated in the Bank’s requisite policy documents)

Secure your loan with cash or near cash investments with CBG. Credit facilities available under this product are term loans and overdrafts for individuals.

Offer:

• Competitive interest rates for Personal Loans
• 0% Interest for Dreamlife Loans
• No fees or charges for early pay off
• Fast and easy access to loans for qualifying applications

Features:

• Products cover only cash or near cash as security with flexible terms of payments
• Tenor: Maximum 48 for term loan and 12 months for overdraft

Requirements:

• Fully completed loan application form
• Successful performance of customer due diligence (verification of the source of the funds etc.).
• Proof of identification (Ghana Card), proof of residence, and other personal identification on the customer
• Lien Letter, with a right of set off.
• Signed accepted facility letter