If you are trying to open a Ghanaian bank account from the USA, you are not alone. Thousands of diaspora Ghanaians, dual citizens, and U.S.-based investors want to manage money in Ghana without flying back immediately.
The good news is this: in 2026, it is possible to open a Ghanaian bank account from the USA through diaspora banking programs. However, full activation usually requires in-person biometric verification in Ghana.
Can You Open a Ghanaian Bank Account from the USA Without Traveling?
Yes, you can begin the process remotely. Most major Ghanaian banks offer diaspora account programs that allow you to submit notarized documents and fund your account via SWIFT transfer.
However, due to strict Know Your Customer regulations and anti-money laundering compliance, most banks still require biometric (in person) confirmation before full account functionality is granted.
In practical terms:
- You can apply remotely.
- You can receive an account number.
- You can send money to the account.
- You can access online banking.
- You may still need to visit Ghana to collect your ATM card and complete biometric verification.
Critical 2026 Update: Ghana Card Requirement
The Bank of Ghana now requires the Ghana Card as the primary identification document for banking transactions.
Diaspora Ghanaians may temporarily use a passport during transition periods. However, long term, you will need a Ghana Card to fully operate your account.
You can apply for a Ghana Card through:
- Ghana Embassy in Washington DC
- Ghana Consulate in New York
- Designated National Identification Authority registration centers abroad
If you plan to relocate permanently, read our full guide on How to Get Ghanaian Citizenship.
Best Banks to Open a Ghanaian Bank Account from the USA
| Bank | Remote Opening | Opening Balance | Monthly Fees | Best For |
|---|---|---|---|---|
| Absa Bank Ghana | Yes | GHS 0-500 | None (Premium) | Easiest diaspora process |
| Zenith Bank Ghana | Yes | GHS 500 | None | No monthly fees |
| Stanbic Bank Ghana | Yes | GHS 500 | GHS 15 if low balance | Multi-currency accounts |
| GCB Bank (Link2Home) | Yes | GHS 500+ | Standard | Family inclusion |
| Ecobank Ghana | Yes | ~GHS 500 | Standard | Pan-African access |
| Fidelity Bank Ghana | Yes | Standard minimum | Standard | Strong mobile app |
Step-by-Step: How to Open a Ghanaian Bank Account from the USA
Step 1: Choose the Bank
Select a bank with a diaspora desk. Absa and Zenith are often the most streamlined.
Step 2: Download the Diaspora Application Form
Obtain it from the bank website or request it by email.
Step 3: Gather Required Documents
- Ghanaian passport or Ghana Card
- Proof of U.S. address (utility bill less than 3 months old)
- IRS Form W-9 (if U.S. citizen)
- Two passport photographs
- Employment verification or bank statement
Step 4: Notarize All Documents
Use a licensed U.S. notary public or Ghana Embassy certification.
Step 5: Email Scanned Copies
Send high-quality scans to the bank’s diaspora desk.
Step 6: Courier Originals
Send notarized documents via DHL or FedEx to Ghana.
Step 7: Fund the Account via SWIFT
Transfer the required opening balance from your U.S. bank.
Step 8: Receive Online Banking Access
You will receive login credentials once compliance checks are complete.
Step 9: Visit Ghana for Full Activation (If Required)
Complete biometric verification and collect your debit card.
U.S. Tax Reporting Requirements
If you open a Ghanaian bank account from the USA, you must understand U.S. reporting laws.
FBAR
If your combined foreign accounts exceed $10,000 at any time during the year, you must file FinCEN Form 114.
FATCA (Form 8938)
Depending on filing status, additional reporting may apply if foreign assets exceed certain thresholds.
Failure to comply can result in significant penalties.
Can Foreign Nationals Open Remotely?
No. If you are not Ghanaian and do not hold residency or a work permit, you generally cannot open a Ghanaian bank account from the USA remotely.
You must first obtain a Ghana residence permit and open the account in person.
FAQ: Open a Ghanaian Bank Account from the USA
How long does it take?
2 to 4 weeks for partial activation.
Can I get my debit card mailed to the USA?
No. Cards are typically issued in Ghana only.
Is mobile money available remotely?
No. MTN Mobile Money requires Ghana Card and Ghana SIM registration in person.
What is the minimum deposit?
Usually GHS 500 or currency equivalent.
Final Verdict
You can absolutely open a Ghanaian bank account from the USA through a diaspora banking program. However, plan for a future visit to Ghana to complete biometric verification.
If you are preparing for relocation, banking should be coordinated with your residency, tax planning, and Ghana Card registration.
Want to know what the best banks in Ghana are according to the community?
All money transfer services must be licensed by the Bank of Ghana.
