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#21 Josip Broz Tito Avenue, Cantonment P.M.B. GPO Accra-Ghana

Head Office +233 30 261 0800

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.

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Who We Are?



GhIPSS logoThe 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.

GHANA CLEARING HOUSE SORT CODES
S/N SORTCODE BANK BRANCH NAME
1 010101 BANK OF GHANA BANK OF GHANA-ACCRA 
2 010303 BANK OF GHANA BANK OF GHANA-AGONA SWEDRU 
3 010401 BANK OF GHANA BANK OF GHANA-TAKORADI 
4 010402 BANK OF GHANA BANK OF GHANA-SEFWI BOAKO 
5 010601 BANK OF GHANA BANK OF GHANA-KUMASI 
6 010701 BANK OF GHANA BANK OF GHANA-SUNYANI 
7 010801 BANK OF GHANA BANK OF GHANA-TAMALE 
8 011101 BANK OF GHANA BANK OF GHANA-HOHOE 
9 020101 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH) LTD-HIGH STREET 
10 020102 STANDARD CHARTERED BANK(GH) LTD SCB- INDEPENDENCE AVENUE 
11 020104 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH) LTD-LIBERIA ROAD 
12 020105 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH) LTD-OPEIBEA HOUSE 
13 020106 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH) LTD-TEMA 
14 020107 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH) LTD-TUDU 
15 020108 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH) LTD-LEGON 
16 020112 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH) LTD-OSU 
17 020118 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH) LTD-SPINTEX 
18 020121 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH) LTD-DANSOMAN 
19 020126 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH) LTD-ABEKA 
20 020127 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH)-ACHIMOTA 
21 020129 STANDARD CHARTERED BANK(GH) LTD SCB- NIA 
22 020131 STANDARD CHARTERED BANK(GH) LTD SCB -WESTLANDS 
23 020132 STANDARD CHARTERED BANK(GH) LTD SCB - TEMA HABOUR 
24 020133 STANDARD CHARTERED BANK(GH) LTD SCB- WESTHILLS 
25 020137 STANDARD CHARTERED BANK(GH) LTD EAST LEGON BRANCH 
26 020436 STANDARD CHARTERED BANK(GH) LTD SCB- LIBERIA ROAD TAKORADI 
27 020611 STANDARD CHARTERED BANK(GH) LTD SCB - KNUST 
28 020613 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH) LTD-AHODWO 
29 020615 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH) LTD-HARPER ROAD 
30 020617 STANDARD CHARTERED BANK(GH) LTD STANDARD CHARTERED BANK(GH) LTD-OBUASI 

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  • #21 Josip Broz Tito Avenue, Cantonment
    P.M.B. GPO Accra-Ghana

  • Phone: +233 302 610800

 

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