Behind Every Great Business in Ghana, There's Fidelity.
Not Just Your Bank. Your Business Partner.
We don’t just support great businesses — we help build them. From strategic financing to seamless operational tools, we bring the financial firepower your business needs to outgrow the competition and lead with confidence.
Structured for Scale. Designed for You.
Idle Funds Working Hard
Never miss a payment schedule again. This high-yielding account features automatic two-way sweeping to ensure your everyday account is funded exactly when needed, while your surplus cash constantly earns attractive interest.
- 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
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
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
Reliable Funding Zero Fuss
Don’t let a lack of capital stall your momentum. Secure the crucial funding you need for expansion or new equipment with highly flexible, partially secured terms that adapt to your business reality.
- 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: GHS50K–250K requires 30% of facility; GHS250K–500K requires 40%; GHS500K–1M requires 50% plus tangible collateral or 60% cash; all Agro loans need a GIRSAL guarantee up to 50%.
- 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
Reliable Funding Zero Fuss
Don’t let a lack of capital stall your momentum. Secure the crucial funding you need for expansion or new equipment with highly flexible, partially secured terms that adapt to your business reality.
- 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: GHS50K–250K requires 30% of facility; GHS250K–500K requires 40%; GHS500K–1M requires 50% plus tangible collateral or 60% cash; all Agro loans need a GIRSAL guarantee up to 50%.
- 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
Reliable Funding Zero Fuss
Don’t let a lack of capital stall your momentum. Secure the crucial funding you need for expansion or new equipment with highly flexible, partially secured terms that adapt to your business reality.
- 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: GHS50K–250K requires 30% of facility; GHS250K–500K requires 40%; GHS500K–1M requires 50% plus tangible collateral or 60% cash; all Agro loans need a GIRSAL guarantee up to 50%.
- 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
Global Trade Made Simple
Expand across borders confidently with expert insights and financial tools designed for international market success.
Strategic Asset Financing
Acquire the heavy machinery and crucial equipment you need to scale up without depleting reserves.
Flawless Transactional Banking
Handle massive transaction volumes seamlessly with robust secure platforms built specifically for enterprise level speed.
Streamlined Cash Management
Optimize your daily liquidity effortlessly with smart tools built to handle complex corporate cash flows.
Flexible Working Capital
Keep your operations moving smoothly with tailored funding designed to bridge everyday cash flow gaps.
Robust Supply Chain Support
Strengthen your vendor network and mitigate risks with strategic advisory and targeted financial backing.
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 |
“Cooking up success”
Food by James is a street food company based in Accra serving the local community delicious, authentic Caribbean cuisine.
Ready when you are. Let’s bank online.
Lightning Fast POS Terminals
Accelerate your daily revenue collection effortlessly. Deploy our highly reliable payment terminals across your outlets to guarantee smooth, fast, and secure checkout experiences for your massive customer base.
Complete Corporate Control
Command your entire financial ecosystem securely from your desk. Approve massive payroll runs and execute bulk supplier transfers in real-time with our robust web platform.