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Home Rates & Fees

Rates & Fees

Transparent pricing — no hidden charges. Know exactly what you're paying.

Savings & Deposit Rates

Product Interest Rate (p.a.) Minimum Deposit Lock-in Period Features
Regular Savings 4.0% GH₵ 50 None Flexible deposits and withdrawals
Susu Savings 5.0% GH₵ 5 / day None Daily collection service
Fixed Deposit (3 months) 12.0% GH₵ 500 3 months Locked-in high returns
Fixed Deposit (6 months) 14.0% GH₵ 500 6 months Locked-in high returns
Fixed Deposit (12 months) 16.0% GH₵ 1,000 12 months Locked-in high returns
Fixed Deposit (24 months) 18.0% GH₵ 2,000 24 months Maximum returns
Group Savings 5.5% GH₵ 100 None For cooperatives and groups

Loan Interest Rates

Loan Product Rate (p.a.) Maximum Amount Tenor Security
Micro / Group Loans 24 - 30% Up to GH₵ 5,000 3 - 12 months Solidarity group guarantee
MSME Loans 22 - 28% Up to GH₵ 200,000 6 - 36 months Business collateral
Agri Value-Chain Finance 20 - 26% Up to GH₵ 100,000 1 season - 24 months Crop/value-chain lien
Salary Loans 18 - 24% Up to 10x net salary 3 - 24 months Payroll deduction
Business Expansion 22 - 28% Up to GH₵ 500,000 12 - 60 months Property/asset collateral

Account Fees & Charges

Account Opening No charges to open any account
Free
Monthly Maintenance (Savings) No monthly fees on savings accounts
Free
Monthly Maintenance (Current) Business current accounts
GH₵ 10
ATM Withdrawal (KCB) Per withdrawal at KCB ATMs
GH₵ 1
ATM Withdrawal (Other) Withdrawals from other bank ATMs
GH₵ 3.50
SMS Alerts Transaction notification service
GH₵ 5 / month
Cheque Book (25 leaves) For current account holders
GH₵ 30
Bank Statement (branch) In-branch statement requests
Free
Bank Statement (email) Monthly e-statements
Free
Debit Card Issuance Visa/GhIPSS debit card
GH₵ 20
Card Replacement Lost or damaged card
GH₵ 30

Rates are subject to change based on market conditions and Bank of Ghana monetary policy. All loan rates are per annum (reducing balance). Fees are inclusive of applicable taxes. Last updated: March 2026.