We are excited to announce we have released our new digital banking platform Affinity for Business for registered businesses in Ghana.

Since our launch, Affinity has provided individuals with affordable and accessible digital financial offerings through our mobile, USSD and web apps. Our smooth and seamless digital onboarding, savings, investment  and loan products as well as reliable transactions have served over 100,000 individuals across Ghana. 

In doing this, many customers, who also run registered businesses have requested for similar offerings for their business. Our response to this, was a year-long, intensive effort to understand Ghanaian SMEs, their operations, bottlenecks and aspirations. This understanding shaped our design and development of what became Affinity for Business.

Who is Affinity for Business for?

Affinity for Business is built for registered businesses to securely transact, save, invest and manage their finances and operations on a single platform. Whether you run a sole proprietorship, partnership, limited by liability or limited by guarantee company, Affinity for Business is for you. It is free to onboard and has competitively low fees.

What is our offer?

With seamless digital onboarding, within 24 hours, a business can be approved and setup on Affinity for Business by submitting all required documents and authorise the opening of business bank accounts without needing to visit a branch. You only need a business registration certificate and national IDs for your business’ directors and signatories.

Once on Affinity for Business, you can receive payments from customers in store and online using the Payment Links, the Point of Sale and Invoices. Customers can make payments using the Affinity app, mobile wallets and bank transfers.

Registered businesses can also transfer money to any mobile money wallet or bank account, with all the needed internal approvals. Similarly, a business can perform bulk transfers with a simple excel upload.

Being Ghana’s leading full-fledged digital-first retail banking institution, Affinity’s Working capital and Growth capital loans are available to all Affinity for Business users.

What does the Affinity for Business launch mean for your business?

Do you have a business that needs an upgrade? Do you know a Ghanaian business owner? Be one of the first businesses to experience Affinity for Business. Invite them today: Affinity for Business. We are on a journey to redefine business banking and with your feedback, we can do more for your business.

With Affinity for Business, You Are In Business! 💜

We’re making banking with Affinity even better.

From 1st March 2026, deposit fees would be removed, so you can fund your accounts without worrying about extra charges.

At the same time, to keep our services running smoothly, we are introducing small, capped fees on selected outflow transactions.

Why we made this change

To provide a reliable banking experience on Affinity, we work with trusted service providers, and as a result, certain transactions including deposits, carry associated processing costs. However, we listened to your feedback telling us that being charged when funding your account felt like being penalised for saving, and that is not the experience we want to create. So to ensure we are being fair to you, our cherished customers, and being sustainable as a business, we have now made a deliberate shift. Instead of charging you when you are putting money in and growing your savings, we have removed the 1.75% deposit fee (capped at GHS 30) completely because saving and funding your account should not feel like a penalty. The only services that will attract fees on Affinity are transfers to third-party recipients due to the transaction processing fees charged by our service providers.

With this update, from 1st March 2026, these transactions will carry a 0.75% fee capped at GHS 10.

Growth Account interest rate 🚀

As market rates move, so do savings rates.

And following the recent decline in Bank of Ghana Treasury Bill Rates which guide how savings products are priced across the industry, effective 1st March 2026, we will be adjusting the Growth Account interest rate to 5% p.a. This keeps our interest rates above average across the market and ensures we continue delivering a strong, sustainable savings experience.

Your money remains safe.

Your returns remain competitive.

And your Growth Account continues to do what it’s designed to do, help you build steadily and confidently.

What is NOT changing?

Everything else that you have grown to love about us:

• • Transfers to your own mobile wallets remain free
• • No monthly fees on your Affinity accounts
• • Transfers to yours and other Affinity accounts remain free

All the more reason to invite your friends, family and colleagues to Affinity and enjoy great benefits!

Why Affinity still hits different?

You still get:

• • Up to 11% p.a. interest on your deposits
• • Boost accounts to lock and grow your savings
• • Instant loans of up to GHS10,000 when you need quick cash
• • A fully-digital, stress-free banking experience
• • Low transaction fees
• • Readily available customer support when you need it
• • A reward when you bring others onboard

So whether you’re saving, spending, or sending, you’re still winning with Affinity. Because with Affinity, You Are In 💜

It’s sleeker. It’s smarter. And it’s built to help you do more with your money.

We’ve reimagined your app experience so it’s easier than ever to track your balance, take action, and stay in control, anytime, anywhere.

 Here’s what’s new in the app… 

🏡 A totally refreshed home screen


Your home page just got a makeover, now featuring: 

• • A sleek new layout
• • Your balance front and centre (with the option to hide it 👀)
• • Quick actions for things like funding and transfers
• • A “highlights” section for helpful extra actions, so you can get results faster

✨ A refreshed account view

Say hello to a cleaner, more modern layout that puts you in control. Your accounts have a new home and your balance, transactions, and funding options are now easier to find and manage.

Coming soon to your brand new app… 

💰 Boost accounts

In the next few weeks, we’re launching a brand new way to set money aside for the things that matter most—whether it’s rent, a new car, a rainy day, or that trip you’ve been dreaming about. Create, name, and track your savings goals all in one place—and earn interest as your Boost balance grows.

📊 Personal Dashboard

Stay tuned: your app is about to get even smarter. We’re putting insights and tracking tools at your fingertips so you can see where your money goes, and where it could go instead. 

Ready to explore your new financial home?
 Head to the App Store or Play Store and update your app to enjoy the latest version. With Affinity, you’re IN. 

Cheers to better banking, 


The Affinity Team 💜