Open an Ultimate Account

A bundled account with a flat monthly fee for salaried employees, offering retrenchment insurance cover, free salary processing and free digital banking.

Retrenchment insurance cover of 3 times your monthly salary up to a cap of GHS10,000*
Flat monthly fee of GH34.50
Free international debit card with travel insurance coverage of up to GHS100,000
Accidental hospital cash back insurance up to GHS10,800 (GHS60 per day for max 180 days spent in hospital)
Embedded funeral insurance with up to GHS1,800 cover for 6 people (GHS300 payout per person) *
One free external standing order
One free salary processing per month
One free chequebook (25 leaflets)
Access to credit and loan facilities
Salary advance or overdraft
Free SMS alerts and statements

Open an account online Resume an application

Documents required
Resident Ghanaian

Ghana Card (front and back)

Passport photograph

Proof of residence (any of the following):
- Ghana Post digital address (should be same as on your Ghana card) OR
- Utility bill in applicant's name (not more than 3 months old) OR
- Tenancy agreement with utility bill OR
- Local government rate document OR
- Bank statement containing current address (not more than 3 months old) OR
- Introductory letter from an existing Absa customer who has known the applicant for more than 1 year (appendix A)

Proof of employment (for only salaried applicants) evidenced by:
- Payslip (not more than 3 months old) OR
- Employment contract OR
- Employer introductory letter OR
- Social security extract

Ghanaian living abroad

Valid passport (bio data page) or Ghana Card (front and back)

Address confirmation (any of the following):
- Utility bill in applicant's name (not more than 3 months old) OR
- Social security statement OR
- State ID with applicant's address OR
- Driver's licence with applicant's address OR
- Bank statement containing applicant's name and address (not more than 3 months old)

Proof of employment (for only salaried applicants) evidenced by:
- Payslip (not more than 3 months old) OR
- Employment contract OR
- Employer introductory letter OR
- Social security extract

Foreign TIN (mandatory for US persons)

Evidence of certification of documents by:
- Lawyer OR
- Notary public OR
- Court of competent jurisdiction

Note:

Evidence of certification of documents is mandatory for Ghanaians living abroad

The person undertaking the certification must be known and capable of being contacted if necessary

Foreigners living in Ghana

Ghana Card (front and back) or valid passport for diplomats and their dependents

Proof of residence (any of the following):
- Ghana Post digital address (should be same as on your Ghana card) OR
- Utility bill in applicant's name (not more than 3 months old) OR
- Tenancy agreement with utility bill OR
- Bank statement containing applicant’s name and address
- Introductory letter from an existing Absa customer who knows the applicant (appendix A)

Proof of employment (for only salaried applicants) evidenced by:
- Payslip (not more than 3 months old) OR
- Employment contract letter OR
- Employer introductory letter OR
- Social security extract.

Resident permit

Work permit (applicable to foreigners working in Ghana)

Foreign TIN (mandatory for US persons)

Are you a Ghanaian living abroad?

Now you can open an account from abroad! Simply download the application form, fill in the details and sign where applicable. Then email the form and required documents to us at customerexperience.gh@absa.africa. Banking abroad is easy to apply for and gives you 24/7 access to our call centre for all your banking needs. Existing customers need to complete only the additional account opening form.

Download application form Additional account opening form

Please note that no insurance applies if you are living abroad.