Mobile Banking Apps in Ghana: StanChart, GCB, UMB, Ecobank, NIB ...

It's 2021 and if your bank doesn't have a mobile app to digitise your banking experience, then I'm sorry you have to reconsider your options.

Ghana is gradually moving from a cash-based economy to a cash-lite economy and this is being spearheaded by the government of Ghana, various banks and fintech companies.

This is important as the transformation seeks to make banking convenient and more accessible to majority of Ghanaians who are still unbanked.

Below are some of the mobile banking apps in Ghana with their download links and USSD channels.

Note: With some of the banks, you will have to visit their offices to activate and access your digital banking account.

Ecobank Mobile Banking App

Leading this digitisation is Ecobank, which has so far got over 1 million customers registered on its Ecobank Mobile app in Ghana.

• Ecobank Mobile App (Android)
• Ecobank Mobile App (iOS)

GCB Mobile Banking Short Code

• USSD code for GCB Bank *422#

CBG Mobile Banking Short Code

• USSD code for CBG Bank *924#

Fidelity Mobile Banking App

• Fidelity Mobile Bank App (Android)
• Fidelity Mobile Bank App (iOS)
• Mobile banking code for Fidelity Bank *776#

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UMB Mobile Banking App

• UMB SpeedApp (Android)
• UMB SpeedApp (iOS)

Stanbic Mobile Banking App

• Standard Bank / Stanbic Bank (Android)
• Standard Bank / Stanbic Bank (iOS)
• Mobile banking code for Stanbic Bank *715#

HFC Bank/ Republic Bank Mobile Banking Short Code

• Republic Bank USSD code *414#

NIB Mobile Banking Short Code

• USSD code for NIB Bank *710#

GTBank Mobile Banking App

• GTBank App (Android)
• GTBank App (iOS)

ABSA Mobile Banking App

• Barclays Ghana App (Android)
• Barclays Ghana App (iOS)
• Mobile banking code for Barclays Ghana *895#

UBA Mobile Banking App

• UBA Mobile App (Android)
• UBA Mobile App (iOS)
• Mobile banking short code for UBA *822#

Zenith Mobile Banking App

• ZMobile Ghana App (Android)
• ZMobile Ghana App (iOS)

Calbank Mobile Banking App

• Calbank App (Android)
• Calbank App (iOS)
• Short code for CalBank *771#

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ADB Mobile Banking App

• ADB Mobile Banking App (Android)
• ADB Mobile Banking App (iOS)
• Mobile banking code for ADB Bank *767#

Access Mobile Banking App

• Access Bank Mobile Banking App (Android)
• Access Bank Mobile Banking App (iOS)
• Mobile banking code for Access Bank *901#

Standard Chartered Bank Mobile App

• SC Mobile Ghana App (Android)
• SC Mobile Ghana App (iOS)

GTBank Mobile Banking App

• GTWorld Ghana App (Android)
• GTWorld Ghana App (iOS)

The competition among the banks and fintech companies in Ghana to get both the unbanked and banked to patronise their mobile apps is very keen, so make sure you check the star ratings, features, ease of use and reviews of each app before downloading.

Some benefits of using the banking apps listed above are:

1. Access to your bank account 24/7 from anywhere across the world

2. Check bank account balance

3. Transfer money to mobile money wallet and vice versa

4. Top up mobile network airtime

5. View your bank statement

6. Make various payments. E.g. utility bills, school fees, post-paid bills, DSTV, air ticket

7. Make cardless ATM withdrawals

8. Locate nearest ATMs and branches

9. Link your mobile money to your bank account

10. Transfer funds between various bank accounts

11. Set a standing order

12. Shop online

Some Fintech Mobile Apps in Ghana:

Mazzuma Mobile App

• Mazzuma App (Android)
• Mazzuma App (iOS)

expressPay

• expressPay App (Android)
• expressPay App (iOS)

slydePay

• slydepay App (Android)
• slydePay App (iOS)

Hubtel.Me

• Hubtel.Me App (Android)
• Hubtel.Me App (iOS)

FlexiPAY

• FlexiPay App(Android)
• FlexiPay App (iOS)

Any apps we might have left out? Let us know in the comment box below.