The Ghana Interbank Payment and Settlement Systems Limited (GhIPSS)

1. What is GhanaPay?

GhanaPay is a mobile money service provided by universal banks, rural banks, and savings and loans companies to individuals and businesses. It is like any mobile money service, but with additional banking services designed for your financial freedom.

Everyone with access to a mobile phone, can register for a GhanaPay Wallet, with or without a bank account.

2. Why do I need a GhanaPay mobile money wallet?

GhanaPay gives you the opportunity to have a direct relationship with a bank as a mobile money user.
Users of GhanaPay have access to unlimited banking services in addition to existing mobile money services.
Transfers on GhanaPay are free (only e-levy charges apply).

3. Is GhanaPay for only bank account holders?

No. GhanaPay is for everyone. You don’t need to have a bank account to have a GhanaPay wallet. You will however be required to select a bank of your choice during registration.

4. Why do I need to select a bank during registration?

Every GhanaPay customer must belong to a bank that will take care of their money and also offer them a variety of other services.

5. How do I register for GhanaPay?

You can register for a GhanaPay mobile money wallet in one of 3 ways:

Option 1: SELF REGISTRATION - Dial *707# or download the GhanaPay App from Google or Apple store. Enter information about yourself and, select a bank you wish to own a wallet with. Walk into a branch of the bank you selected to validate your Ghana Card to complete registration. You will receive an SMS to confirm your registration.
Option 2: BANK BRANCH - Walk into any bank branch of your choice. Ask to be registered for a GhanaPay mobile money wallet. Provide your personal details along with your Ghana Card. When the process is completed, you will receive an SMS to confirm your registration.
Option 3: DESIGNATED AGENT (LOCATION) – You can go to specially designated GhanaPay Agents to register for a GhanaPay mobile money wallet with a valid Ghana card, just like in a bank branch.

6. What do I need to register for a GhanaPay mobile money wallet?

A registered active mobile phone number
A valid National ID (Ghana Card)
Biodata (full name, date of birth, gender etc.)
Location (GPS) Address

7. Will I be assigned a special number for my GhanaPay mobile money wallet?

No. All you need is an active mobile phone number from any network.

8. Can I use my existing mobile money number for GhanaPay?

Yes, you can use any existing mobile phone number for a GhanaPay mobile wallet. To receive money into the mobile wallet, the sender must select GhanaPay as the network.

9. Can I have multiple GhanaPay wallets with different banks?

You are allowed to register one mobile number for only one GhanaPay wallet and with one bank only. You can have multiple GhanaPay wallets if you have more than one mobile number.

10. When can I start using my GhanaPay mobile money wallet?

You can start using your GhanaPay wallet right after your registration is confirmed. You can receive transfers or start transacting after you have funded the wallet.

11. What services are available on GhanaPay?

GhanaPay has the following services and more:

Send and receive money on GhanaPay, other networks and bank accounts
Cash-in and Cash-out
Pay a GhQR merchant
Buy Airtime ad Data
Generate a Token
Request a statement
Make a complaint or send feedback
Pay Bills
Value added services

12. Where can I cash-in or cash-out on GhanaPay?

You can put cash into your wallet, take cash out of your wallet or redeem a token at any bank branch or designated GhanaPay agents.

13. What are the transaction charges on GhanaPay?

Except for Cash-out services, all transactions on GhanaPay are FREE. You only pay the e-levy charge.

14. Are there transaction limits on GhanaPay? How do I increase my limit?

Yes there are. Transaction limits are based on information you submit about yourself and they are at three (3) levels - Low, Medium and High. Access your GhanaPay limit from the GhanaPay app or by dialing the *707#. Transaction limit can be increased by visiting any branch of the bank you selected during the registration process.

15. Will money in my GhanaPay wallet earn interest?

Yes. Interest will be paid on a customer’s end of day balance. Interest payments will be on a quarterly basis.

16. Who do I contact for more information on GhanaPay?

Please call the GhanaPay toll free number: 0800-000-707 or visit www.ghipss.com. You may also speak to your bank about GhanaPay.

Who We Are?

The Ghana Interbank Payment and Settlement Systems Limited (GhIPSS) is a wholly owned subsidiary of the Bank of Ghana.

It was incorporated in May 2007 with a mandate to implement and manage interoperable payment system infrastructures for banks and non bank financial institutions in Ghana.

In line with its mandate, GhIPSS has implemented and currently manages the following:

National Switch & Biometric Smart Card Payment System- e-zwich
Cheque Codeline Clearing (ccc) System
Ghana Automated Clearing House (gach) systems- Direct Credit & Direct Debit
National Switching and Processing System- gh-link.

GhIPSS is committed to maintaining very high standards of excellence, reliability, integrity, and timeliness for all its infrastructure. These standards have enabled GhIPSS to attain ISO27001 certification.

GhIPSS´ payment infrastructure is currently used by all banks in Ghana including the ARB Apex Bank and its affiliates, Savings and Loans companies and third Party Payment Providers.

Our Mission Statement

To partner the financial services industry in promoting, developing and managing efficient brand...

Our Vision Statement

To migrate Ghana to an electronic payments society

Our Core Values

1. Integrity 2. Teamwork 3. Innovation 4. Passion Dependability

S/N	SORTCODE	BANKS	BRANCH NAME
1	010101	Bank Of Ghana	Bank Of Ghana-Accra
2	010122	Bank Of Ghana	Bank Of Ghana West-Test
3	010303	Bank Of Ghana	Bank Of Ghana-Agona Swedru
4	010401	Bank Of Ghana	Bank Of Ghana-Takoradi
5	010402	Bank Of Ghana	Bank Of Ghana-Sefwi Boako
6	010601	Bank Of Ghana	Bank Of Ghana-Kumasi
7	010701	Bank Of Ghana	Bank Of Ghana-Sunyani
8	010801	Bank Of Ghana	Bank Of Ghana-Tamale
9	011101	Bank Of Ghana	Bank Of Ghana-Hohoe
11	020101	Standard Chartered Bank	Standard Chartered Bank(Gh) Ltd-High Street
12	020102	Standard Chartered Bank	Standard Chartered Bank(Gh)- Independence Avenue
13	020104	Standard Chartered Bank	Standard Chartered Bank(Gh) Ltd-Liberia Road
14	020105	Standard Chartered Bank	Standard Chartered Bank(Gh) Ltd-Opeibea House
15	020106	Standard Chartered Bank	Standard Chartered Bank(Gh) Ltd-Tema
16	020107	Standard Chartered Bank	Standard Chartered Bank(Gh) Ltd-Tudu
17	020108	Standard Chartered Bank	Standard Chartered Bank(Gh) Ltd-Legon
18	020112	Standard Chartered Bank	Standard Chartered Bank(Gh) Ltd-Osu
19	020118	Standard Chartered Bank	Standard Chartered Bank(Gh) Ltd-Spintex
20	020121	Standard Chartered Bank	Standard Chartered Bank(Gh) Ltd-Dansoman
21	020126	Standard Chartered Bank	Standard Chartered Bank(Gh) Ltd-Abeka
22	020127	Standard Chartered Bank	Standard Chartered Bank(Gh)-Achimota
23	020129	Standard Chartered Bank	Standard Chartered Bank(Gh)- Nia
24	020131	Standard Chartered Bank	Standard Chartered Bank(Gh) -Westlands
25	020132	Standard Chartered Bank	Standard Chartered Bank(Gh) - Tema Habour