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The Bank of Ghana, popular as BoG is the central bank of the country tasked with the duties of licensing and regulating banking and the banking sector in Ghana. So according to BoG, what are the top 20 banks in Ghana?

In this article, I have decided to bring to your attention the top 20 banks in Ghana which are operational and with which you can hold your banking transactions across the country.

Banks in Ghana operate according to the license they have acquired. By this, we mean to say that there are investment banks, there are development banks, and there are commercial banks among others.

If you are a Ghanaian or a foreign national in Ghana, one of the banks listed in this article should be your final selection for your choice of financial institution. Now let’s dive into it quickly.

Top 20 Banks In Ghana

According to the Bank of Ghana’s 2017 banking sector reform, any institution that will be referred to as a bank must meet the sector’s minimum capital requirement of GHC400 million.

Below, you will find a list of the top 20 banks in Ghana according to customer reviews expressed by people who are already in contract with these banks.

What Are The Best 20 Operational Banks In Ghana?

In Ghana today, the best operational banks are;

  1. GCB Bank PLC
  2. Agricultural Development Bank (adb)
  3. Universal Merchant Bank
  4. Zenith Bank
  5. Standard Chartered Bank
  6. ABSA Bank
  7. Fidelity Bank
  8. Ecobank Ghana
  9. African Development Bank, Ghana
  10. Republic Bank
  11. Consolidated Bank
  12. Barclays Bank
  13. Access Bank
  14. First National Bank
  15. ARB Apex Bank
  16. Stanbic Bank
  17. Cal Bank
  18. Data Bank
  19. FBNBank Ghana Ltd.
  20. OmniBSIC Bank Ghana Ltd.


As already established, all the banks listed above in the list have met the banking sector’s minimum capital requirement as well as have the necessary fixed assets and the human resource to carry out operations.

If we are to recommend to you out of the top 20 banks in Ghana based on experience, you will have to work with GCB Bank PLC. This is because they have the highest number of branches in the country

Kennedy Hatekah

For me, my passion for writing is endless so don't try to interfere with it. You can find more about me on my socials as provided in the links.

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