ATM card charges in Ghana
What each bank charges to issue an ATM/debit card, the card types on offer, the monthly fee for holding the card, and the cost of withdrawing cash at another bank's ATM.
Lowest acquisition
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Lowest monthly fee
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Cheapest other-bank ATM
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Free card issuance
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- Acquisition fee
- One-off fee charged when a new card is issued. "Free" means the first card is issued at no cost.
- Monthly fee
- Recurring card maintenance fee debited from your account each month.
- Other-ATM withdrawal
- Fee per cash withdrawal when you use another bank's ATM in Ghana (gh-link, Visa or Mastercard network). Withdrawals at your own bank's ATMs are typically free.
- Est. first-year cost
- Acquisition fee + 12 × monthly fee + 4 other-ATM withdrawals per month. A simple yardstick — your actual usage will differ.
Fees are quoted in Ghana cedis (GHS) and exclude VAT/levies where applicable. Always confirm current charges with the bank before applying.