Savings Products

Savings — Start Small, Grow Big

Regular savings, high-yield accounts, and goal-based plans from Ghanaian banks and fintech platforms.

High-Yield Savings
GCB Premium Save
GCB Bank Ltd
14.5% p.a.
Designed for customers who want above-standard interest on their savings without locking in funds.
No maintenance fees
Quarterly interest payments
Mobile and internet banking access
GDPC deposit protection
Min: GHS 200 View Bank →
Corporate Savings
Absa Business Reserve
Absa Bank Ghana Ltd
16.0% p.a.
Designed for corporate clients and SMEs parking surplus operating cash.
24-hour call deposit
7-day call option
Dedicated relationship manager
Online treasury portal
Multi-signatory capability
Min: GHS 50,000 View Bank →
Children's Savings
Stanbic Junior Saver
Stanbic Bank Ghana Ltd
13.0% p.a.
Designed to build long-term savings habits for Ghanaian children, with a bonus interest reward at age 18.
For children aged 0–17
Managed by parent/guardian
Bonus interest at age 18
Quarterly account statements
Financial literacy resources
Min: GHS 50 View Bank →
Regular Savings
Ecobank Xtra Savings
Ecobank Ghana Ltd
12.5% p.a.
Designed to be accessible to all Ghanaians including informal sector workers and students.
Low minimum balance
Mobile money integration (MTN MoMo, AirtelTigo)
Free Ecobank digital wallet
Instant account opening via app
Min: GHS 10 View Bank →
Goal-Based Savings
Fidelity GoalSave
Fidelity Bank Ghana Ltd
13.5% p.a.
A structured savings plan designed to help Ghanaians build wealth towards specific financial goals.
Set savings goals (education, home, travel)
Automatic monthly deductions
Bonus rate for 12+ months
Mobile app tracking
Min: GHS 50 View Bank →
Mobile Savings
MTN MoMo Savings
MTN Ghana (via partner banks)
8.0% p.a.
Save directly from your mobile money wallet. No bank account needed. Earn interest on idle MoMo balances above GHS 1.
No bank account required
Start from GHS 1
Instant withdrawals
USSD access (*170#)
Fintech Savings
Zeepay Goal Saver
Zeepay Ghana
15.0% p.a.
Set savings goals (education, property, business) and earn competitive interest. Accessible via Zeepay app and mobile money.
Goal-based savings
Start from GHS 5
MTN MoMo integration
Auto-deduction option
Savings vs. Fixed Deposits
Savings accounts offer flexibility — deposit and withdraw anytime. Interest rates are typically lower but the money is accessible.
Fixed deposits lock your money for a set period and offer higher guaranteed rates in exchange for reduced liquidity.
A good strategy: keep 3–6 months of expenses in a savings account, invest the rest in FDs or mutual funds.
Mobile Money Savings
Ghana has one of Africa's highest mobile money penetration rates. MTN MoMo, AirtelTigo Money and Vodafone Cash all offer savings features.
Mobile money savings are regulated by the Bank of Ghana — customer funds are held in trust with licensed banks.
Interest rates on MoMo savings are typically lower than bank savings accounts but accessible with no minimum balance.