Smart Banking. Made Digital
Fast payments, real-time access and full control at your fingertips.
A Smart Start for Bright Kids
Secure their tomorrow. A simple, stress-free way to build savings that grow alongside their dreams.
Powering Ambitious Businesses
Flexible banking and funding solutions to help your business grow stronger.
Powering Your Grand Vision
Bold ideas need simple execution. We provide the financial agility to seamlessly scale your operations.
Update Your Records Today
Ensure we have your current telephone numbers and email addresses in our system.
Your Goals. Our Commitment. Your Future, Powered By Fidelity
We Journey With You
- Borrow and invest in my future
- Build smart money habits as a student
- Earn perks and grow my money
- Feel financially secure
- Keep my everyday banking simple
Secure Your Business Reserves
Protect your business against the unexpected. Easily manage your surplus funds and save towards major projects with automated transfers that grow your wealth quietly in the background without any hassle.
- Minimum Opening balance of GHS200
- No minimum Balance to earn interest – GHS200
- No monthly account service fee
- Set funds aside for short term purpose/ projects
- Earn competitive interest business savings
- No CoT or monthly account service fees
- Free automated SI from transaction account
- Access to credit against business savings
Boafo Loans (Festive TOD)
Short-term financing for SMEs & commercial clients. Temporary overdraft support when business needs surge.
- Target Market: SMEs in Commercial and SME Banking operating in FMCG, clothing, mobile phones, electronics, and hardware/building materials like cement, paint, tiles, and electricals.
- Maximum Facility: Up to GHS200K for new clients (<1 year), GHS300K for those with 1+ year relationship, and GHS500K for good repeat borrowers.
- Tenor: Up to 90 days for new or repeat borrowers; good repeat clients (2+ cycles) get up to 12 months with 90-day cycles.
Security
- No collaterals required
- Sole Proprietorships: Require a qualified guarantor (proof of income or bank statement), credit check, and assignment of stock and receivables.
- Limited Liability Companies: Require joint and several guarantees, assignment of stock with in-house insurance, and assignment of receivables.
- NO collateral requirement
- Flexible repayment terms
- Competitive interest rates on loan
- Higher loan amounts – up to GHS 500,000
- Minimum Average Credit Turnover Criteria: GHS100,000 over the last 1- year or GHS 200,000 based on a 6-month relationship with Fidelity Bank.
- Customer must have a minimum of 1 year experience in its line of business
- Existing customer must have a minimum of six (6) months relationship with the bank
- Customer’s loan request amount must not exceed 50% of their Average monthly CTO position over the past six (6) months for new applicants and up to 70% of average account credit turnover for the past 6 months.
- Applicant must not have issued any dud cheque in the immediate past 6 to 12 months depending on the length of the relationship with FBGL.(i.e. The reason for return MUST be insufficient funds)
- To finance working capital needs.
- To bridge temporary cash deficits or gaps.
- To finance recurrent expenditure
Trade Finance Loans
The Trade Finance product, is aimed at supporting registered import driven businesses with short-term credit facilities, to cater for their funding business needs
- Target Market: Existing and New-To-Bank trade import customers.
- Maximum Facility: The maximum Credit available to customer is 70% of the Average Quarterly Transfers to be availed in Ghana Cedis for outward transfers or payment of Import Duty.
- Facility Limits: Maximum loan of GHS 1,000,000 ( Import Duty Loans capped at GHS 300K)
- Tenor: 3-12 Months
- Security: No collateral required for facilities up to GHS 300K
- Tangible Collateral to be provided for facilities above 300K
- Flexible collateral requirement
- Flexible repayment terms
- Competitive interest rates on loans
- Higher loan amounts - up to GHS 500,000
- Applicant must have been in active operation for at least 2 years.
- Applicant must have operated an active account with for a minimum period of six (6) months qualify for Import duty loan and 12 months to qualify for an Trade import Credit Line
- Existing customer must have a minimum of six (6) months relationship with the bank
- Outstanding documentation on outward payments should fall within the acceptable default rate 80%
- Not more than 3 dud cheques issued in the last 6 months.
- Payment of import duty and other handling charges
- Working capital support for importation of goods
Semi Secured Overdraft
Access extra funds when needed. A partially secured overdraft to help you cover short-term cash flow gaps.
- Target Market: Small and Medium Scale Enterprises (SMEs): Business entities with annual credit turnovers of GH¢200,000 and above in their operational account with Fidelity Bank
- Maximum Facility: Up to 90% of their Average monthly CTO position over the past six (6) months. Capped at a maximum of GHS500K
- Facility Limits: Minimum – GHS 50,000 – Maximum – GHS 500,000
- Tenor: Up to 6 months for first-time borrowers and 12 months for repeat borrowers with good repayment history
- Security: 30% for GHS50K–100K, 50% for GHS100K–300K, and 50% + collateral or 60% cash for GHS300K–500K.
- Flexible collateral requirement
- Flexible repayment terms
- Competitive interest rates on loan
- Higher loan amounts – up to GHS 500,000
- Business entities with annual credit turnovers of GHs 200,000 and above in their operational account with Fidelity Bank.
- Customer must have a minimum of 1 year experience in its line of business.
- Existing customer must have a minimum of six (6) months relationship with the bank
- Customer’s loan request amount must not exceed 90% of their Average monthly CTO position over the past six (6) months. • Not more than 3 dud cheques issued in the last 6 months.Customer’s loan request amount must not exceed 90% of their Average monthly CTO position over the past six (6) months. • Not more than 3 dud cheques issued in the last 6 months.
- To finance working capital needs.
- To bridge temporary cash deficits or gaps.
- To finance recurrent expenditure
Semi Secured Termed Loan
The Semi-Secured Term Loan product, is aimed at supporting qualifying customers with term loan facilities which may be partially secured with cash to meet business needs.
- Target Market: Small and Medium Scale Enterprises (SMEs): Business entities with annual credit turnovers of GH¢100,000 and above in their operational account with Fidelity Bank.
- Maximum Facility: Up to 80% of their Average monthly CTO position over the past six (6) months. Capped at a maximum of GHS1M.
- Facility Limits: Minimum – GHS 50,000 – Maximum – GHS 1,000,000.
- Tenor: 6-24 Months.
- Security: 30% for GHS50K–250K, 40% for GHS250K–500K, 50% + collateral or 60% cash for GHS500K–1M; Agro loans need up to 50% GIRSAL guarantee.
- Flexible collateral requirement
- Flexible repayment terms
- Competitive interest rates on loan
- Higher loan amounts – up to GHS 1,000,000
- Customer must have a minimum of 1 year experience in its line of business
- Existing customer must have a minimum of six (6) months relationship with the bank
- Customer’s loan request amount must not exceed 80% of their Average monthly CTO position over the past six (6) months. • Not more than 3 dud cheques issued in the last 6 months.
- Working capital support
- Finance acquisition of business operating fixed assets
- Finance recurring expenditure
Commercial Current Account Plus
Our Commercial Current Account Plus is designed purposely for businesses that constantly maintain balances in excess of a capped amount on monthly basis. The account reward businesses for maintaining a minimum balance of GHS5,000 every month by waiving the monthly account maintenance fee.
- Minimum Opening balance of GHS100
- No minimum Operating balance required
- Monthly account service fee: 1.5 million, Minimum GHS20; Maximum GHS200
- Waive CoT on minimum Monthly balance of GHS5,000 and above
- Facilitate payments to 3rd parties – local & Int.
- Secured payment collections- digital payment
- Cash pick-up and delivery – upon request
- Dedicated RM for banking service
- Tailored business support loans
- 24/7 online banking; Payroll processing
SME Current Account
Our SME Current account is tailored to assist businesses in managing their daily transactions and cash management with ease and security. Make trade payments, access foreign exchange, receive foreign remittance, and access a wide range of business loans/ credit to meet specific business needs. Available in GHS, USD, GBP, and EUR.
- Minimum Opening balance of GHS100
- No minimum Operating balance required
- Monthly account service fee: GHS30 – GHS200
- Facilitate payments to 3rd parties – local & Int.
- Secured payment collections- digital payment
- Cash pick-up and delivery – upon request
- Dedicated RM for banking service
- Tailored business support loans
- 24/7 online banking; Payroll processing
Shell Completion Finance
To assist you purchase and complete your dream home from our list of developers to your own specification and taste
To qualify for the loan you must be:
- Work for any Fidelity profiled organization or Self-employed customers with verifiable consistent income flows
- Employed for duration above 12 months and confirmed
- Over 21 years and under 60 years by the end of the loan term
- Reserved for only Shell completed houses from approved FBGL Developers. Shell property must be completed within12 months from the date of disbursement of the facility
- Loan amounts of up to 80% of the sale value of Shell House property or Bill of Quantities to complete the Shell House
- Competitive interest rates on borrowings
- Flexible repayment terms of up to 20 years
- Debt Service ratio of up to 50%
Complete a Home Financing request form and provide the following documents:
- Letter of undertaking from the employer
- Last 3 months payslips
- Valid National ID
- Title documents to the property (Land Title Certificate)
- Bill of Quantities, Building Plan & Building Permit from an FBGL recommended value
- Construction schedule, estimates and financing plan to complete shell property within 24 months from date of disbursement of the facility to vendor
- Architecture Drawings, 3D impression, and Plan
- Hazard or Allied Perils Insurance policy on the mortgaged property against fire and other allied perils/natural disasters to cover the Open Market value with FBGL as Primary Loss Payee
- Mortgage Life insurance covering the total loan amount with FBGL as Primary Loss Payee
- Clean search on Credit Bureau
- Submission of a contract between Building Contractor and Mortgagor.
- Submission of Certificate of Classification from the Ministry of Water Resources Works and Housing for the contractor
- Submission of Building Permit from the Metropolitan/ Municipal Assembly.
- Supporting documents confirming the contractor’s track record and ability to execute similar projects are required.
Home Finance
To assist you to purchase Turnkey Residential properties for personal use or investment purpose.
- Exclusive offers from our partner developers
- Access to long term funding to acquire homes
- Loan amounts of up to 80% Open Market Value of property
- Competitive interest rates on borrowings
- Flexible repayment terms of up to 20 years
- Debt Service ratio of up to 50%
To qualify for the loan you must be:
- Work for any Fidelity profiled organisation or Self-employed customers with verifiable consistent income flows
- Employed for duration above 12 months and confirmed
- Over 21 years and under 60 years by the end of the loan term
Complete a Home Financing request form and provide the following documents:
- Letter of undertaking from the employer
- Last 3 months payslips
- Valid National ID
- Title documents of the property (Land Title Certificate)
- Valuation report (from an FBL recommended valuer/quantity surveyor )
- Offer letter from the vendor
- Proof of minimum down payment or equity contribution of 20% towards the purchase price of the property
- Hazard or Allied Perils Insurance policy on the mortgaged property against fire and other allied perils/natural disasters to cover the Open Market value
- Mortgage Life insurance covering the total loan amount with FBGL’s as Primary Loss Payee
- Clean search on Credit Bureau
Y'ello Save
A product that allows MTN mobile money customers to enjoy up to 8% interest rate through their mobile money.
A product that offers the convenience of saving towards a goal through daily, weekly or monthly deposits.
- Self-registration (Dial *170#, select opt 6 and follow the prompt
- Minimum operating balance is GHS2
- Paid Interest
- A flat rate of 8%p.a earns when more than 3 withdrawals are made in a month.
Home Improvement
To assist you fund additions and improvements to an existing property.
- Loan amounts of up to 70% of Bill of Quantities or Pro forma Invoice
- Property improvement must be completed within 6 months from the date of disbursement of the facility
- Competitive interest rates on borrowings
- Flexible repayment terms of up to 20 years
- Debt Service ratio of up to 50%
To qualify for the loan you must be:
- Work for any Fidelity profiled organization or Self-employed customers with verifiable consistent income flows
- Employed for duration above 12 months and confirmed
- Over 21 years and under 60 years by the end of the loan term
Complete a Home Financing request form and provide the following documents:
- Letter of undertaking from the employer
- Last 3 months payslips
- Valid National ID
- Title documents to the property (Land Certificate)
- Bill of Quantities, building plan & building permit from an FBGL recommended valuer.
- Construction schedule, estimates, and financing plan to complete improvement of property within 6 months from date of disbursement of the facility to vendor
- Architecture drawings, & 3D impression
- Hazard or Allied Perils Insurance policy on the mortgaged property against fire and other allied perils/natural disasters to cover the open market value with FBGL as Primary Loss Payee
- Mortgage Life insurance covering the total loan amount with FBGL as Primary Loss Payee
- Clean search on credit bureau
- Submission of a contract between building contractor and mortgagor.
- Submission of building permit from the Metropolitan/ Municipal Assembly.
- Supporting documents confirming the contractor’s track record and ability to execute similar projects are required.
Documentary Collection
A trade finance mechanism where banks facilitate the collection of payment for goods shipped based on documents presented.
- Safe and efficient payment collection
- Clear documentation process
- Lower cost than letters of credit
- Access to multiple currencies
- Reduces payment risk for exporters
- Streamlines international trade processes
- Provides clarity and security in transactions
Guarantees
- Quick issuance process
- Flexible terms available
- Covers various business transactions
- Tailored to specific needs
- Provides security in business contracts
- Builds trust with partners and suppliers
- Minimizes financial risk in large transactions
Letter of Commitment
Document from a bank promising to extend credit or financing under
specified conditions.
- Flexible terms based on business needs
- Strengthens negotiations with suppliers
- Quick issuance process
- Access to various financing options
- Enhances business credibility
- Facilitates smoother procurement processes
- Provides assurance in securing goods or services
Letter of Credit
Financial instruments issued by a bank guaranteeing payment to a seller upon meeting specified conditions.
- Various types (commercial, standby)
- Security for both buyers and sellers
- Customizable terms
- Access to multiple currencies
- Reduces payment risk in international transactions
- Enhances credibility and trust with suppliers
- Facilitates smoother trade negotiations
Sell & Buyback
A transaction where a business sells securities with an agreement to
repurchase them later, often used for cash flow management.
- Quick access to cash
- Flexible terms
- Minimal transaction costs
- Supports various securities
- Enhances liquidity for operational needs
- Maintains investment positions while accessing cash
- Reduces reliance on traditional financing options
Swaps
Agreements to exchange cash flows in different currencies over a specified
period, typically involving interest payments.
- Flexible terms based on business needs
- Access to multiple currencies
- Hedging against interest rate and currency risk
- Provides liquidity and funding flexibility
- Reduces the impact of currency and interest rate fluctuations
- Supports long-term financial strategies
Forwards
Contracts that allow businesses to buy or sell a currency at a predetermined
rate on a future date.
- Customizable contract terms
- Lock in exchange rates for future transactions
- Protects against currency fluctuations
- Reduces risk in foreign exchange volatility
- Enhances budgeting and financial planning
- Provides certainty for future cash flows
FX Purchases – Selling
The process of selling foreign currency to customers, allowing them to
conduct international transactions
- Access to a wide range of currencies
- Competitive pricing
- Instant transactions available
- Enables businesses to pay foreign suppliers
- Supports travel and other international activities
- Helps manage foreign currency exposure
FX Purchases - Buying
The process of buying foreign currency from the bank for personal or business use.
- Access to competitive exchange rates
- Multiple currencies available (GHS, USD, GBP, Euro)
- Online and in-branch transactions
- Facilitates international trade
- Provides liquidity for foreign currency needs
- Simplifies cross-border transactions
Long Term Loan
Financing for larger amounts with extended repayment periods, typically over three years.
- Fixed or variable interest rates
- Flexible repayment schedules
- Tailored loan amounts to fit business needs
- Access to multiple currencies (GHS, USD, GBP, Euro)
- Comprehensive support throughout the loan process
- Supports major investments and expansions
- Enhances business stability with predictable payments
- Facilitates long-term strategic planning
- Builds credit history for future financing
- Dedicated relationship manager for personalized service
Medium Term Loan
Financing options with repayment periods ranging from one to three years.
- Competitive interest rates
- Flexible loan amounts
- Structured repayment terms
- Access to multiple currencies (GHS, USD, GBP, Euro)
- Quick processing and approval
- Balances immediate cash needs with short to medium term planning
- Supports business growth and development
- Improves financial flexibility
- Reduces reliance on short-term financing
- Dedicated relationship manager for ongoing support
Loan Syndication
A financing arrangement where multiple lenders come together to provide a loan to a single borrower, typically for large-scale projects.
- Shared risk among lenders
- Flexible loan amounts
- Customized terms based on project needs
- Access to diverse financing sources
- Enables access to larger amounts of capital
- Reduces individual lender risk exposure
- Facilitates financing for large projects or acquisitions
- Streamlines the borrowing process with multiple lenders working together
Short-term Loan
Quick financing options designed to meet urgent business needs relating to working capital management for a limited period, typically up to one year.
- Flexible repayment terms
- Competitive interest rates
- Quick approval process
- Access to multiple currencies (GHS, USD, GBP, Euro)
- Streamlined application through online banking
- Provides immediate cash flow support
- Helps seize business opportunities quickly
- Simplifies budgeting with clear repayment schedules
- Enables growth and expansion plans
- Reduces financial stress during tight periods
- Dedicated relationship manager for personalized service
Overdraft
A flexible credit facility allowing businesses to withdraw more than their account balance, up to an agreed limit.
- Pre-approved limit
- Free unlimited access to your account anywhere
- Preferential pricing on transaction charges
- Multiple currencies (GHS, USD, GBP, Euro)
- Interest only on the amount used
- Competitive interest rates
- Quick approval process
- Quick access to funds
- Automatic coverage for short-term cash flow needs
- Improves cash flow management
- Prevents bounced payments and penalties
- Supports unexpected expenses
- Enhances financial flexibility
- Dedicated relationship manager for business support
Repurchase Agreement
A short-term borrowing mechanism where securities are sold and repurchased at a later date.
- Flexible terms and interest rates
- Quick access to funds
- Low-risk investment option
- Can be structured for various durations
- Provides liquidity for short-term needs
- Helps manage cash flow efficiently
- Offers a secure way to invest excess funds
Maximize Your Monthly Salary
Make your hard-earned money work brilliantly for you. We simplify your everyday life by offering smart safety nets like emergency salary advances free personal insurance and zero-interest loan options. It is the ultimate account for professionals who demand real value and total financial control.
- Minimum opening balance: GHS 50
- No minimum operating balance is required
- Monthly bundled service fee apply (refer to current Tariff guide on the website)
- Monthly bundled service fee is waived if a minimum average monthly balance of GHS5,000 is maintained.
- No interest paid on account
- Standard Individual KYC and valid national ID required to open account.
- Free personal insurance cover benefits worth up to GHS18,900 (Terms and Conditions apply)
- Pre-approved salary advance facility of up to 60% of net monthly salary.
- Zero interest rate on Asset/ Consumer Finance loan
- Waives monthly account service fee if the minimum average monthly balance of GHS5,000 is maintained.
- No e-banking charges – free sms alert
- Free access to digital platforms- *776#, Fidelity Mobile App, “Kukua WhatsApp banking, Fidelity ATMs etc
Your Salary Working Smarter
Your busy executive schedule demands a banking partner that anticipates your needs. Step into a world of VIP service, exclusive lifestyle discounts and comprehensive insurance. We handle the daily financial friction so you can focus entirely on leading and living well.
- Minimum opening balance: GHS50
- No minimum operating balance required
- Monthly bundled service fee applies (waived with GHS10,000 average balance)
- No interest paid on account
- Job Loss Protection: up to GHS15,000 (excludes contract staff)
- Accidental Hospitalization: up to GHS9,000 (GHS100/day)
- Permanent Disability: up to GHS18,000
- Death Benefit: up to GHS10,000
- Priority Service at all Fidelity Bank branches nationwide
- Pre-approved Salary Advance of up to 60% of net monthly salary
- Lifestyle Discounts of 5%–20% from select partners and dealerships
- Zero Interest Asset Finance Loan
- No Monthly Account Service Fee (when you maintain a GHS10,000 average balance)
- Free SMS Alerts & No E-Banking Charges Unlimited Access to Digital Banking Platforms
SMART Account
Smart, secure banking for income earners Whether you’re just starting out or managing a modest income, the Fidelity SMART Account gives you the freedom to bank confidently. With just a valid Ghana Card, you can open an account instantly, receive funds from anywhere, and enjoy secure, mobile-friendly banking without worrying about monthly fees.
- Minimum opening amount: GHS20
- Minimum operating balance: GHS5
- No monthly Account Maintenance Fee
- Daily withdrawal limit: GHS25,000
- Pays interest on account balance
- Fee applies if total monthly withdrawals exceed GHS20,000
- Fidelity debit card available (card issuance and maintenance fees apply)
- Instant Account Opening with any valid ID
- Receive Transfers & Remittances from abroad or any bank in Ghana
- Link to Mobile Money Wallet for seamless access to your funds 24/7
- Earn rewarding Interest on your account balance
- Start with Just GHS20 and no monthly service charges
- Bank from Your Phone- anytime, anywhere
- Get a Debit Card and access your money from any ATM nationwide
Complete Wealth Protection
Why choose between saving and protecting your family? This dual-purpose plan grows your money while providing a reliable annual income for your dependents if the unexpected occurs. Enjoy guaranteed maturity benefits and free extended coverage to fully secure your future.
- Minimum entry age is 18 years.
- Maximum entry age is 55 years.
- Cover ceases at 65 years
- Cover duration can be 10, 12, 15 years.
- Minimum sum assured of GHS 100,000 for the policyholder.
- Minimum sum assured of GHS 50,000 for spouse
- No limit on maximum cover.
- Waiting period of 6 months
- 100% Sum Assured paid at policy maturity.
- No Claim Benefit -5 year free insurance cover after policy term.
- Up to 100% Sum Assured paid in the event of total permanent disability (TPD)
- Family Income Benefit – 10% of Sum Assured payable annually.
- 200% of Sum Assured Benefit if death is accidental.
- Waiver of Premium Benefit.
- Optional benefit to cover spouse for Total permanent disability (TPD) and death
Help When You Need It Most
Grieving is hard enough without adding sudden financial stress. This plan provides immediate funds to cover final expenses so your family can focus entirely on honoring your memory. With a unique never-lapse feature it offers permanent peace of mind for everyone.
- No Claim Cash Back -12% of total premium will be paid every 5 years in case no claims are made.
- Hospitalization – 4% of the Sum Assured will be paid once every year in the event that any of the lives is hospitalized for 3 consecutive days in a recognized MOH facility.
- Death Benefit for all covered lives.
- Loyalty Benefit – Additional 4% of total premium will be paid out if policy is force for minimum 5yrs and policyholder passes on.
- Accidental Death benefit -The death benefit will be doubled (2x) in the event of an accidental death of any of the insured lives.
- Family Cushion benefit – Additional 5% of total premium will be paid out 3 months after the demise of the policyholder.
- Waiver of premium – Premium payment will cease if death occurs before or on attaining age 60.
- Return of Premium – Premiums are returned in case any of the lives die during the waiting period.
- Voucher Benefit – A grocery voucher worth 1% of the death benefit of the main life will be provided monthly for a period of 3 months on the death of any of the covered lives.
- No Claim Cash Back -15% of total premium will be paid every 3 yrs. in case no claims are made.
- Return of Premium – Premiums are returned in case any of the lives die during the waiting period.
- Death Benefit for all covered lives.
- Waiver of premium – Premium payment will cease if death occurs before or on attaining age 60.
- Voucher Benefit – A grocery voucher worth 1% of the death benefit of the main life will be provided monthly for a period of 3 months on the death of any of the covered lives.
Guarantee Their Education
A parent’s biggest worry is their child’s future. This plan removes that fear completely by guaranteeing your child’s education is fully funded. Rest easy knowing their schooling will continue seamlessly even if you are no longer there to provide.
- Minimum entry age is 18.
- Maximum entry age is 54.
- Cover duration is 10-25 years.
- 10% Annual benefit Escalator.
- Basic premium is GHS 80 to GHS 1,000 per month.
- Waiting period of 6 months
- Graduation Benefit of 4% of total premium paid.
- Annual partial withdrawal of up to 50% of accumulated funds allowed after the second year.
- The policy will continue premium payment on behalf of the holder should death or total permanent disability occur.
- Maturity Benefit of accumulated Funds plus interest gained.
- Up to 100% Lump-sum paid in the event of total permanent disability and death.
- 200% of Lump Sum Benefit if death is accidental. Policy can be put on Paid-up (hold) if GHS 1,500 or more in the accumulated fund.
Total Life Protection
Life is unpredictable but your family’s security shouldn’t be. This comprehensive plan provides a complete safety net against critical illness or sudden loss. Secure total peace of mind knowing your loved ones are financially protected no matter what happens.
- Minimum cover of GHS 100,000.
- No maximum limit.
- Covers perils such as Critical illness, Total Permanent Disability (TPD) and Death.
- 100% no claim cash back at maturity of active policy.
- Free annual medical check-up upon payment of all annual premiums.
- Total Permanent Disability benefit and Critical illness benefit.
- Death benefit.
Smart Goal Account
The Fidelity SMART Goal account offers a flexible and convenient way of saving towards meeting short-to-medium-term financial goals. The Smart Goal account is designed for customers under the Inclusive banking segment by offering a smart way to achieve their savings or investment goals. It is simple to open and can be opened as an additional account to the Smart account or a standalone savings or investment account.
- Minimum opening balance GHS 30
- Minimum operating balance GHS 30
- No withdrawal or monthly fee (refer to current Tariff guide)
- Valid National ID and completed Smart Goal opening form required to open account
- Free insurance cover benefits worth up to GHS 6,900 (Terms and Conditions apply) against; Accidental hospitalization cover up to GHS 900 (GHS30 per night spent at a hospital up to 30 days)
- Total permanent disability cover worth up to GHS 3,000
- Accidental death cover worth of GHS 3,000 [Refer to the embedded insurance Terms and Conditions as an appendix to this document]
- No monthly account maintenance fee
- Earn an attractive interest rate up to 7% p.a. on your savings
- Start with as low as GHc30 monthly savings or more
- Minimum 12 months flexible savings plan
- Earn an attractive interest rate up to 7% p.a. on your savings
- Minimum 12 months flexible savings plan
- Track your money, check your account balance, and transfer money using your mobile phone
- Free access to mobile banking channels - *776#, Fidelity Mobile App and “Kukua” WhatsApp banking
Home Equity
To assist you in wealth creation or meeting personal cash needs by unlocking the value in your existing property.
- An opportunity to unlock the value of property to meet financial needs
- Loan amounts of up to 70% Open Market Value of property
- Competitive interest rates on borrowings
- Flexible repayment terms of up to 20 years
- Debt Service ratio of up to 50%
To qualify for the loan you must be:
- Work for any Fidelity profiled organization or Self-employed customers with verifiable consistent income flows
- Employed for duration above 12 months and confirmed
- Over 21 years and under 60 years by the end of the loan term
Complete a Home Financing request form and provide the following documents:
- Letter of undertaking from the employer
- Last 3 months payslips
- Valid National ID
- Title documents to the property (Land Title Certificate)
- Valuation report (from an FBL recommended valuer )
- Hazard or Allied Perils Insurance policy on the mortgaged property against fire and other allied perils/natural disasters to cover the Open Market value with FBGL as Primary Loss Payee
- Mortgage Life insurance covering the total loan amount with FBGL as Primary Loss Payee
- Clean search on Credit Bureau
Fidelity Personal Asset Finance
Need appliances, furniture, or electronics? Get quick financing with easy repayment over 12 months.
- Minimum Loan Amount: Ghs 1,000
- Maximum Loan Amount: Ghs 25,000
- Minimum Net monthly salary: GHS 1,000
- Interest Rate: 0% for 12 months
- No collateral required
- 0% interest rate for repayment within 12 months
- Quick processing time (less than 48hrs)
Serviced Plot Finance
Buy secure, serviced land in trusted neighborhoods. Finance your plot now, build when you’re ready.
- Exclusive offers & discounts from our partner developers
- Seamless process to acquiring a serviced plot to build your dream house
- Flexible repayment terms up to 72 months
- Access to a flexible Home Completion loan (from lentil level).
- Boost your ability to own land at a prime location
- Competitively priced facility rate
- Installment to Income ratio – 45%
- Loan Amount: Min.-US$8,000/ Max.- US$60,000 (or GHs equivalent)
- Up to US$200,000 for Prestige Banking clients
- The applicant must be a salaried employee working for a Profiled Organization.
- FBGL staff with at least 3 years of permanent employment
- Minimum 1-month salary drop plus 6 months account statement
- Foreigners with valid work and residence permit
- Unexpired lease term on a serviced plot with mini.. 30 years lease
- Repayment Mode: Monthly equal installments.
- 20% Equity contribution required
- Duration of employment (minimum)- 6 months and confirmed.
- Evidence of earlier confirmation is required.
- Property/ estate developer must have Land Title Certificate over serviced plots on sale
- Property/ estate developer must be a member of GREDA in good standing
Complete the facility request form and provide the following documents:
- Letter of undertaking from employer (attached in the Facility application form)
- Last 3 months pay slip
- Account statement for the last 6 months (from the previous bank)
- Invoice from Estate Developer listed in Fidelity bank’s approved estate developers
- Original title documents (Registered Land Title Certificate) on Serviced Plot pledged as security
- Signed transfer land title document retained by Fidelity bank.
- Photocopy of valid National Identification (passport, driver’s license, voter’s registration card) of guarantor(s) required, and must be verified as a true image of the guarantor.
- One passport size photograph
- Consent letter to mortgage land to Fidelity Bank Ghana Limited
Instant Cash Before Payday
Mid-month emergencies happen to the best of us. Skip the financial stress and bridge the gap to your next paycheck instantly. A simple, hassle-free advance designed to give you complete peace of mind when unexpected expenses arise.
- Up to 60% of net monthly salary
- Maximum: GHS 25,000.
- Facility Tenor: Renewable every 3 months subject to good performance
- Minimum Salary Drop: One (1) month – Employer Managed Relationships (plus 6 months salary A/c statement from previous Bank).
1.Up to 60% of net monthly salary
2. Interest rate calculated on ONLY the utilized amount.
3. Flexible repayment of up to 3 months
4. Competitive interest rates on borrowings
5. A quick and easy loan application process. (Available on the Fidelity Mobile app. Apply in the comfort of
your location)
1. Last 3 months pay slips
2. Signed Customer Acceptance letter and Employer Confirmation
Salaried-Backed Loan
Don’t put your life goals on hold. Secure the funding you need for major projects or unexpected expenses effortlessly. Enjoy a completely transparent application process and highly flexible repayment terms built securely around your existing income.
- Maximum loan tenor: 60 months for employer-managed borrowers, 48 months for salary-backed borrowers, and 36 months for those without PF/occupational savings.
- Maximum loan tenor for renewable contracts: up to 24 months if renewed once, 36 months if renewed twice, and 48 months or contract term (whichever is less) for contracts over two years.
- Maximum loan amount: Up to GHS450,000 for Employee Banking borrowers, and up to GHS250,000 (or GHS300,000 for net salaries above GHS10,000) for Non-Employer Managed borrowers, based on DSR capability
- DSR (Debt Service Ratio)/Affordability: 45% for net salaries between GHS700–2,999, 50% for salaries above GHS3,000; payroll deductions follow employer rules but not beyond Fidelity Bank’s limits, excluding variable allowances.
- Minimum Net Monthly Salary: GHS1,000 for Salary Backed Loans (including FBGL staff) and GHS700 for Employer Managed Personal Loans.
- Duration of Employment: Minimum 6 months and confirmed; earlier confirmations require employer evidence for special consideration by EBRM/RSSM.
- Minimum Salary Drops in FBL Account: 3 months for Salary Backed Loans; 1 month plus 3 months’ statement from previous bank for Employer Managed Personal Loans.
- Duration of Employment: Minimum of 6 months and confirmed; earlier confirmation requires employer evidence for special consideration.
- No collateral required
- Flexible repayment periods up to 60 months
- Quick and easy loan application processed within 48 hrs.
- Competitive interest rate on loan
- Borrow up to GHc450,000 (Terms & Conditions apply)
- Top up your existing loan
- Credit Life Insurance cover against Retrenchment, Total Permanent Disability or Death
- Transfer your loan from other bank at concessionary terms (selective)
- Must be in current employment for at least 6 months and confirmed.
- Letter of Undertaking (LOU) from employer is required
- Aged 21 to 60 years (by end of loan term)- Exceptions must be evidenced by Employment Contract / terms and approved by Head-Credit Risk Management
- Submit most recent 3 months’ Pay slips
- Completed loan application form
Fidelity FLIP Account
Big dreams need a solid foundation. Whether you are planning for a new home, a business venture, or a growing family, this low-risk plan helps you build wealth steadily. Enjoy flexible terms and watch your future take shape with total peace of mind.
- Minimum Opening balance GHS 50
- Minimum operating balance is GHS 50
- Withdrawal before maturity (3 years) attracts Withdrawal penalty
- FLIP account to be funded through Fidelity bank Current
- Must have an existing savings or current account with Fidelity Bank Ghana
- No debit card or cheque book issued on investment account
- Flexible contribution options- daily, weekly,monthly, or quarterly
- Conveniently start with as low as GHS50 or more
- Competitive returns on investment indexed to xxxxxxxx [currently under review]
- Interest is calculated daily and paid quarterly.
- No fund management fees or administrative charges
- No withdrawal fee upon maturity
- Account holder is eligible for a FLIP Loan up to 90% of total FLIP investment Ø Repayment period of up to 12 months
- Free Standing Order linked to your main Fidelity bank account
- Get access to your investment same day whenever needed
Idle Funds Working Hard
Why let your surplus funds sit idle? Earn high interest on your extra cash without locking it away. Enjoy the ultimate flexibility of instant access to your money whenever a short-term need or sudden opportunity arises.
- No Minimum Opening balance
- Minimum Balance required to earn interest: GHS50,000
- No monthly account service fee
- Manage excess liquidity at competitive interest rate
- Automated SWEEP to ensure payments are honoured.
- Access credit facility against Call investment
- No SWEEP charges
Guaranteed Returns Made Simple
Remove the risk from your business investments. Secure your surplus capital with high guaranteed interest rates and enjoy complete peace of mind with completely stress-free automatic rollover options.
- The minimum investment amount is GHS20,000
- Interest rate based on the bank’s prevailing rate
- Choose from 30-day, 90-day, 180-day, and 365-day investment term
- Early redemption of investment attracts penal charge on the accrued interest
- Enjoy rewarding yields on your funds at competitive interest rates
- Flexible investment terms; from 30-day, 90-day, 180-day, and 365-day tenure
- No monthly or administrative fees
- Can be used to secure a loan facility
- Easily track your investment
Save While You Spend
Hitting your goals shouldn’t require drastic lifestyle changes. With FESA, every time you spend, a small set amount is automatically swept into your savings. It is the smartest, most frictionless way to build your wealth without even thinking about it.
- No monthly or penal charges
- Available only to personal account holders
- Minimum savings period is 36 months
- You can withdraw up to 25% of your balance every calendar year
- Access to 100% of total savings after 36 months of savings
- No application form is required – simply dial *776# or via the Fidelity Mobile App to sign up
- Instant, paperless, and easy to open to start saving
- Flexible savings plan options (choose between GHS5, GHS10, GHS20, GHS50, or GHS100 savings per debit transaction)
- Free automated Standing Instruction from main accounts to FESA
- No monthly account maintenance/ service fee
- Pays competitive flat interest rate of 3% p.a.
- Free instant SMS alert for every savings
- Access to loan against your FESA account balance
- Link multiple personal accounts to the same FESA savings
- Track your savings via our digital platforms- *776#, Fidelity Mobile App,“Kukua WhatsApp banking.
Bank Home From Abroad
Living abroad shouldn’t disconnect you from your financial roots. Easily manage projects, support family and handle your investments in Ghana seamlessly from anywhere in the world. Enjoy a completely secure multi-currency experience that brings your home closer without the geographical hassle.
- Minimum account opening amount – GHS/ USD/GBP/ EUR100
- Minimum operating balance – GHS/ USD/ GBP/EUR100
- Interest on NRG-GHS current account is paid every month on balance GHS5,000 and above
- No monthly account maintenance fee on all currency
- Available to Ghanaians living abroad
- A multi-currency account [GHS+ GBP/ USD/ EUR]
- Zero Monthly Account Maintenance Fees
- Reward: earn 2% p.a. interest rate on funds in your NRG- GHS account
- Access to Mortgage facility worth up to US$500,000
- Free access to digital channels- Mobile App, FBL ATMs etc
- Personalized chequebook and Visa debit card-enjoy discounts offers from lifestyle partners
- Exclusive access to Safe Deposit Box service
- Email instruction to bank – Email Indemnity required
Total Access to Your Money
Life doesn’t stick to traditional banking hours. Get an account that works exactly the way you live. Enjoy total financial freedom with unlimited transactions and seamless, instant access to your money across all our digital platforms and branches.
- Minimum opening balance: GHS 50
- No Interest paid on account
- No limit on the number of withdrawals
- No minimum operating balance
- Monthly account maintenance fee applies (refer to current Tariff guide)
- Standard Individual KYC and valid national ID required to open account.
- Unrestricted access and an unlimited number of transactions on account 24/7
- Offers personalized cheque-book and Visa Debit and prepaid card
- Available in local and foreign currencies –GHS, USD, EUR & GBP
- Free unlimited transaction notification via SMS/Email Alert
- Free access to the digital platforms- *776#,Fidelity Mobile App, “Kukua WhatsApp banking,Fidelity ATMs, etc
Fidelity Premier Account
Your time is your most valuable asset. Go beyond everyday transactions with a dedicated relationship manager who anticipates your needs. From premium wealth protection to exclusive global privileges, we handle the complex details so you can enjoy the lifestyle you’ve built.
- Minimum opening balance: GHS100
- No minimum operating balance required
- Monthly fees apply
- Minimum monthly salary requirement: GHS35,000
- Multi-Currency Visa Platinum Card (GHS & USD) for seamless global access
- Free Annual Personal Insurance Cover worth up to GHS93,000
- Priority Service at branches and Prestige lounges
- Dedicated Relationship Managers
- Pre-approved Salary Advance up to 60% of monthly salary (max. GHS25,000)
- High Daily ATM Withdrawal Limit of up to GHS40,000
- Online Shopping Limit of up to GHS100,000
- Global Merchant Discounts—up to 12% off 985,000+ hotels and vacation rentals
- Exclusive Access to Prestige banking lounges
- Zero Interest Home Asset Finance Facilities
- Lifestyle Privileges & Special Offers curated for your status
Fidelity Premium Current Account
Designed for your sophisticated lifestyle, this account ensures your money works hard even while sitting in a current account. Enjoy highly personalized services, earn interest in your daily balance, and get instant overdraft access so you never miss an opportunity.
- Minimum account opening amount – GHS1,000
- No minimum account operating balance
- Monthly account service fee applies (refer to current Tariff guide)
- Interest rate on stated minimum account balance
- Available only to our Prestige clients
- Multi-currency Visa Platinum Card [GHS & USD]
- Free travel insurance worth up to EUR30,000 + covers 4 additional family members
- Offers priority services at branches and Prestige lounges + dedicated RMs
- Exclusive access to Safe Deposit Box service [for valuable items/ doc.]
- Access to auto-loan up to GHS400,000 or equivalent in USD
- Up to GHS 40,000 daily ATM withdrawal limit [GHS 100,000 online shopping limit]
- Global Merchant Discount Offers – Get up to 12% over 985,000+ hotels & Vacation rentals etc
- Exclusive access to our Prestige banking lounges
- Enjoy Lifestyle privileges and discount offers from partner vendors/ merchants
Fast Track Your Goals
Don’t let hidden fees eat into your progress. Whether you are planning a project or building a quick safety net, this account gives you the freedom to grow your money securely and access it instantly whenever you need it most.
- Minimum opening balance GHS 50.
- Minimum operating balance GHS 50
- Allows up to 3 free withdrawals per month.
- Penalty fee applies if monthly withdrawal is exceeded [refer to the tariff guide for applicable penal fee].
- Standard Individual KYC and valid national ID are required to open an account.
- Free automated standing order from the current account into Reserve account.
- Pays competitive interest rate up to 3%p.a. on average monthly balance
- Can be used as security for cash-backed credit facilities
- Access to personalized savings withdrawal booklet and visa debit or prepaid card
- Free access to digital platforms- *776#, Fidelity Mobile App, “Kukua WhatsApp banking, Fidelity ATMs etc"
Smart Savings for Kids
Prepare for school fees and upcoming milestones with confidence. We make saving for your child simple with free automatic transfers from your main account. Watch their balance grow steadily while you focus on the joys of parenting
1. Minimum Opening balance GHS 50
2. Minimum operating balance is GHS 50
3. No withdrawal in the first 6 months of account opening
4. One withdrawal allowed per month after 6 months of account operations- a penal fee will apply for exceeding the withdrawal limit
5. Available in multiple currencies – GHS; USD; GBP & EUR
1. Pays competitive interest rate up to 5% p.a. on account balance
2. Conveniently pay school fees directly from the account
3. No monthly account maintenance
4. Free Standing Instruction from parent/ guardian account
5. Free access to Mobile App, “Kukua” on WhatsApp & *776#
6. Free SMS alert
7. Ability to open more than one Bright Kids account for more than one child/ ward.
Seamless Banking for the Modern Business
Bank securely from anywhere with our corporate online and mobile banking solutions designed to match your pace, priorities, and growth.
Resources On The Go
Exchange Rates as at April 17, 2026 |
|||||
|---|---|---|---|---|---|
| Currency | Code | Remittances | Cash Rates | ||
| Bank Buy (GHc) | Bank Sell (GHc) | Bank Buy (GHc) | Bank Sell (GHc) | ||
| United States Dollars | USD | 10.8500 | 11.1800 | 10.8500 | 11.6300 |
| Great Britain Pound | GBP | 14.6500 | 15.1400 | 14.6500 | 15.7400 |
| Euro | EUR | 12.7700 | 13.1800 | 12.7700 | 13.7100 |
Interest Rates |
||
|---|---|---|
| Description | Interest (% pa) | Effective Date |
| Ghana Reference Rate | 10.06(+ Margin) | 01-APR-2026 |
| Savings | 0-3.0 | 01-JUNE-2025 |
| Call | 0-1.75 | 10-MARCH-2026 |
Fixed Deposits (week ending April 17, 2026) |
|||||
|---|---|---|---|---|---|
| Tier (GHS) | 30-days | 60-days | 91-days | 182-days | 365-days |
| 20k | 0.25 | 0.35 | 0.60 | 0.75 | TBD |
| >20 - 25k | 0.40 | 0.45 | 0.75 | 1.00 | TBD |
| >25 - 50k | 1.00 | 1.15 | 1.25 | 1.30 | TBD |
| >50 - 100k | 1.30 | 2.20 | 1.50 | 1.55 | TBD |
| >100k- 500k | 1.55 | 1.65 | 1.75 | 1.85 | TBD |
| >500k-5m | 1.85 | 1.90 | 1.95 | 2.00 | TBD |
| Above 5m | 2.00 | 2.10 | 2.15 | 2.50 | TBD |
Bank Anytime, Anywhere
Manage your finances with ease using the Fidelity Bank mobile app. Secure, fast, and packed with features to give you full control of your money—wherever you go.
Download the Fidelity Bank App now and experience seamless banking on the go.
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