Affinity for you
With Affinity, You Are In
Open an instant account in minutes to transact, save, pay, and borrow
Licensed and regulatedÂ
140,000+
Customers trust us
Choose Affinity
Financial freedom at your fingertips. Instant accounts, instant transfers and payments, instant savings and investments, and instant loans
It is free
No monthly fees, save and invest to earn interest
It is easy
Get an account instantly, fund by mobile money or bank transfer
It is convenient
Access 24/7, with WhatsApp and telephone support
It is safe
We use robust technology, your money is secure
Start banking today
Instant and free accounts
Download the Affinity app or dial *229# to get started. All you need is your Ghanaian mobile number and Ghana Card
Be in full control of your finances
Web banking
Instant transfers and payments
Move money, pay bills, save and invest with ease. Stay on top of your finances with instant notifications, spending controls and downloadable statements. Access your account anytime through the app or web banking
Smart borrowing
Apply for a loan
Your credit score, your loan choices
Build your credit score and unlock access to some of the most affordable loans in Ghana. Whether you need an Instant Loan, a Personal Loan or a Business Loan, Affinity offers lending solutions designed to grow with you
Our personal accounts
Looking to save for that dream goal, Affinity has accounts designed for your every need
Account type
Transactional
Transactional savings
Non-transactional savings
Fixed deposit
Annual interest
0%
Up to 5%
5.5% to 8.5%
7% to 11%
Duration
N/A
N/A
30+ days
91, 182 and 365 days
Initial deposit, GHS
5
20
50
500
Minimum balance, GHS
0
20
50
500
Withdrawal restrictions
None
Interest penalty above 10 monthly withdrawals
Interest penalty if broken prematurely
Interest penalty if broken prematurely
Transaction fees to third-party mobile wallets and bank accounts
0.75% capped at 10
0.75% capped at 10
N/A
N/A
Monthly fees, GHS
Free
Free
Free
Free
Account type
Transactional
Annual interest
0%
Duration
N/A
Initial deposit, GHS
5
Minimum balance, GHS
0
Withdrawal restrictions
None
Transaction fees to third-party mobile wallets and bank accounts
0.75% capped at 10
Monthly fees, GHS
Free
Account type
Transactional savings
Annual interest
Up to 5%
Duration
N/A
Initial deposit, GHS
20
Minimum balance, GHS
20
Withdrawal restrictions
Interest penalty above 10 monthly withdrawals
Transaction fees to third-party mobile wallets and bank accounts
0.75% capped at 10
Monthly fees, GHS
Free
Account type
Non-transactional savings
Annual interest
5.5% to 8.5%
Duration
30+ days
Initial deposit, GHS
50
Minimum balance, GHS
50
Withdrawal restrictions
Interest penalty if broken prematurely
Transaction fees to third-party mobile wallets and bank accounts
N/A
Monthly fees, GHS
Free
Account type
Fixed deposit
Annual interest
7% to 11%
Duration
91, 182 and 365 days
Initial deposit, GHS
500
Minimum balance, GHS
500
Withdrawal restrictions
Interest penalty if broken prematurely
Transaction fees to third-party mobile wallets and bank accounts
N/A
Monthly fees, GHS
Free
Affinity Personal
Apply for a loan
Apply for a loan
Apply here if you are interested in a long term Personal or Business loan. Or download the Affinity App to qualify for an Instant Loan by dialling *229# or searching for Affinity Africa in the Google Play or App Store