This page compares 5 accounts available in Ghana, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 1 can be opened fully online, 2 explicitly accept non-residents, 1 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| Absa Bank Ghana | Ghana | Traditional Bank | 外汇活期无最低余额，可在线申请 | 依账户档位而定 | Online | Non-residents OK | ★ 4.1 |
| GCB Bank | Ghana | Traditional Bank | 非居民初始存款约 GHS 100（约 $7） | 基础账户月费较低 | Must visit | Non-residents OK | ★ 3.9 |
| Fidelity Bank Ghana | Ghana | Traditional Bank | 非居民初始存款约 GHS 200（约 $13） | 基础账户月费较低 | Must visit | Conditional | ★ 3.7 |
| Ecobank Ghana | Ghana | Traditional Bank | 非居民初始存款约 GHS 100（约 $7） | 依账户档位而定 | Must visit | Conditional | ★ 3.7 |
| UBA Ghana | Ghana | Traditional Bank | 非居民初始存款约 GHS 100（约 $7） | 基础账户月费较低 | Must visit | Conditional | ★ 3.6 |
2 of the 5 accounts on this page explicitly accept non-residents (Absa Bank Ghana, GCB Bank). "Accepts applications" does not mean guaranteed approval — banks still assess your ID, proof of address and source of funds. Without local residence or a tax number, prefer accounts marked as remotely openable.
Not necessarily. 1 of the 5 accounts can be opened fully online (Absa Bank Ghana), with no branch visit; the remaining 4 still require a branch visit or an appointment. Online opening depends on whether your documents pass automated checks.
Minimums vary widely — see the "Minimum deposit" column. 1 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.