Products and Services

Savings Account

We recognize your need to save now in order to make future investments. This is why we are offering you a savings account that gives you the opportunity to save and earn attractive interest on your daily balance.

Zaabuni Account

The product is designed to enable households and individuals to deposit small variable amounts frequently towards the purchase of an asset for the house hold.

  • Account opened in the name of the house hold.
  • Locked boxes deposits at client home
  • Households make deposits in to the locked boxes
  • Contents of boxes collected at agreed regular periods
  • Households qualifies for loan after contributing for a continuous three months
  • Household can access loan to the tune of four (4) times the amount contributed for an agreed purpose such as :
  • Purchase of household appliances
  • Refurbishment of homes
  • Purchase of furniture etc.

Abiidahinsheli Account

The Abiidahinsheli account is a unique savings account for children between the ages of 0-17, to cater for their current as well as future needs.

Details:

1. Minimum initial deposit of GHC 20.00 and any amount for subsequent deposits
2. Minimum years to operate before withdrawal shall be 2 years
3. Interest rate shall be paid based on current prevailing annual fixed deposit rate
4. Use of passbooks for transaction records
5. Child accounts opened with the parent as a trustee
6. Child gets full control over accounts when he or she turns 18 years

Personal & SME Loans

This is a loan facility designed for individuals, small and medium enterprises (SMEs) and Traders who need funds to solve emergency or pressing needs.

Instant Loans

This is a loan facility designed for individuals, small and medium enterprises (SMEs) and Traders who need funds to solve emergency or pressing needs.

  • The loan shall be a one-time repayment of principal plus interest
  • The repayment duration shall not exceed 2 months
  • It is targeted at non-salary customers
  • Applicant must have an account with the bank for at least 6 months
  • The loan shall be processed within 48 hrs for disbursement

 

Walma Group Loan

Walma group loan is designed for small and medium scale enterprise (SMEs) or group of 5 to maximum of 10 who require additional capital to augment or facilitates their business activities.

  • Repayment period shall be weekly,bi-weekly or monthly
  • The group must operate and undergo training for at least 2 months
  • A minimum of 5 people in a group
  • A maximum of 10 people in a group

Treasury Bills

Treasury bills/notes (T-Bills) are short term money market instruments issued by Bank of Ghana (BOG) on its own account or on behalf of the Government of Ghana (GOG).This is a common method used by governments to borrow money from citizens for development purposes.