Frequently Asked Questions

You need a valid Ghana Card or Passport, proof of address (utility bill or tenancy agreement), two passport-size photographs, and a minimum opening deposit of GH₵ 50 for savings accounts. Corporate accounts also require TIN and Certificate of Incorporation.

Complete applications submitted before 2:00 PM are activated the same business day. You'll receive your account number and debit card details immediately upon approval.

Regular Savings accounts require a minimum opening deposit of GH₵ 50. Susu Savings starts from GH₵ 5 per day. Group Savings requires a minimum of GH₵ 100 from the group.

Yes. Parents or guardians can open a minor savings account on behalf of children under 18. You'll need the child's birth certificate and your own valid ID. The account converts to a regular account when the child turns 18.

Visit any KCB branch with your Ghana Card, proof of income (pay slips or bank statements), and details of any collateral. Our loan officers will guide you through the application process. Processing takes 1–3 business days for personal loans.

Rates range from 18% to 30% per annum (reducing balance) depending on the loan type. Salary loans start at 18%, while micro loans are 24–30%. Visit our Rates & Fees page for the full schedule.

It depends on the loan type. Micro/Group Loans use solidarity group guarantees. Salary Loans are secured by payroll deduction. MSME and Business Expansion loans may require property, equipment or other business assets as collateral.

Our mobile and internet banking platforms are currently in development and will be launching soon. In the meantime, you can conduct transactions at any KCB branch or through our Susu collectors. We will announce the launch on our website and social media.

Interoperability with mobile money platforms is part of our digital banking roadmap. Once launched, you'll be able to transfer between your KCB account and all major mobile money wallets in Ghana.

Absolutely. Kwaso Community Bank is licensed and supervised by the Bank of Ghana under Act 930. We maintain strict capital adequacy ratios, liquidity buffers, and follow all BoG prudential guidelines. Your deposits are protected.

Contact us immediately at +233 XX XXX XXXX or visit any branch. Time is critical — the sooner you report, the better we can protect your account. Never share your PIN, password, or OTP with anyone.

Monday to Friday: 8:00 AM – 5:00 PM. Saturday: 9:00 AM – 1:00 PM. Closed on Sundays and public holidays. Some services may have different cut-off times — please check with your branch.

Visit any branch, call us, or email [email protected]. You'll receive a reference number within 2 hours. We aim to resolve complaints within 5 business days. If unresolved, you may escalate to the Bank of Ghana. See our Customer Charter for details.