can i open a bank account online in ghana

Another method is to open a USD bank account once you're in Ghana, and transfer money from If you have US identity credentials, you can apply online. Stanbic Bank. Account Opening Application. Let's get started opening. your new account. START NEW APPLICATION CONTINUE SAVED APPLICATION. To create Ecobank savings account in Ghana, you will need to fill in the opening account form at any of the bank's branches or online. The savings account. can i open a bank account online in ghana

Can i open a bank account online in ghana -

Complaints Procedure

How can I Transfer Money to a SG-SSB Limited Bank Account in Ghana?

Transfer money to SG-SSB Limited bank Ghana via Xendpay.com

To simplify the way you transfer money to SG-SSB bank Ghana to Ghana and to get a great exchange rate, a commission free service and to pay really low transfer fees you should make the money transfer through Xendpay. 

With Xendpay, you can transfer money 24/7 via our online money transfer platform, which means you can make your transactions whenever you want, and you will not be restricted to the opening times of a bank or a money sending agent. 

Xendpay will also allow you to benefit from a very competitive exchange rate; you will not have to pay any commissions and our transfers our highly competitive.

SG-SSB Limited bank Ghana; Société Générale Social Security Bank

SG-SSB is a bank that is based in Ghana which is part of the Société Générale banking group. The bank whose official name is Société Générale Social Security Bank has around 38 branches in Ghana and on their website they claim that they are the 4th largest bank in Ghana.

Transferring money to an account at SG-SSB Limited bank Ghana

SG SSB

Bank name:SG-SSB Limited bank Ghana 
Address:

C796 A/3, Ring Road Central (P.O. Box 13119)

Accra

Phone number:233-21-254713
Website:

http://www.sg-ssb.com.gh/

SWIFT code:SSEBGHAC

There are a number of reasons why you may require you to transfer money to a SG-SSB bank account in Ghana, for example financial support to a loved one or to credit your personal account in Ghana. Whatever your reason for making the remittances, when using Xendpay you will be assured of some of the most competitive exchange rates available on the market, a commission free service and really low transfer fees. 

What differentiates Xendpay from a bank or a money sending bureaux…

The main difference is that Xendpay is a money transfer and currency exchange specialist, so we can offer more attractive exchange rates than banks and other money sending agents. In addition to this, our expertise enables us to exclusively focus on currency exchange and the accompanying services, so we are extremely competent when it comes to remitting money. 

With Xendpay you can open an account for free within a matter of minutes; all it will take is a few clicks, letting us know some information about you and about your beneficiary/ beneficiaries. Once you have completed a transaction your beneficiaries and transaction history will be stored on our memory, so making subsequent transactions will be really simple and you can keep track of your money transfer history. 

To transfer money you will simply need to specify the beneficiary, the currency, amount and method of payment, either credit or debit card or a bank transfer. A real time exchange rate will then be proposed, which will be updated whenever a currency fluctuation occurs, so you will get the most competitive rate. 

Security wise Xendpay is approved by the Financial Conduct authority for the provision or payment services (FCA) to operate as a worldwide money transfer services provider. We are also part of the SWIFT banking network, which enables us to ensure the fast execution of each transaction.

The information you need to initiate a money transfer to Ghana

To add a beneficiary to your Xendpay account we will need to know their name, their bank account details, their IBAN number, the address of their SG-SSB Limited account and its SWIFT code.

Open an Xendpay account now for free and without any obligation if you need to send money to Ghana.

SG-SSB Limited bank Ghana, like all banks, may sometimes refuse to accept payments from some or all third parties.  Under these circumstances we will return the money to the client once it has been returned to RationalFX, less any SWIFT and third-party transfer costs and foreign exchange losses incurred.

Transfer  money to SG-SSB Limited bank Ghana

Источник: https://xendpay.com/countries/ghana/how-can-i-transfer-money-to-a-sg-ssb-limited-bank-account-in-ghana/

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Источник: https://go.wepay.com/

How To Open a Wells Fargo Account in 3 Steps

Banking / Checking Account

Wells-Fargo

Rob Wilson / Shutterstock.com

With over 7,200 branches and 13,000 ATMs, Wells Fargo banks are a common sight for Americans nationwide. And with products offering competitive fees and a wide range of accounts to choose from, it can be an attractive option despite its relatively low interest rates.

Opening a Wells Fargo bank account is simple, and you can do it yourself online or in person at a local branch. In this guide, you’ll learn how to open an account. This guide also looks at Wells Fargo’s checking and savings account fees and features and how Wells Fargo stacks up against other banks.

Steps To Open a Wells Fargo Bank Account

Wells Fargo

Despite a 2016 scandal resulting from sales practices at the time, opening a Wells Fargo bank account makes sense due to its wide availability of physical locations and ATMs. If that controversy makes you wary, rest assured that Wells Fargo has revamped its strategy to restore team members’ and customers’ trust by making a great customer experience its highest priority.

Here are a few simple steps you’ll need to follow to open an account with Wells Fargo.

1. Gather Required Personal Information

Collect all the information Well Fargo needs to properly identify you and remain compliant with banking laws:

  • Valid identification (driver’s license, state ID or matricula card)
  • Social Security number or tax ID number
  • Contact information: name, address, email address, phone number
  • Money for your opening deposit

If you open your account online rather than in person, you might have to scan your ID and attach it to your application or fax it to the bank.

2. Choose a Wells Fargo Bank Account

Explore all of Wells Fargo’s checking and savings account options and decide which is best for you. Wells Fargo currently has four checking accounts and two savings accounts available, and each has its benefits and drawbacks.

Wells Fargo Checking Accounts

  • Wells Fargo Everyday Checking: This account includes features such as the Wells Fargo mobile app, a debit card and alerts. There is a $10 monthly service fee, but there are ways to avoid it, such as by maintaining a $500 daily minimum balance or receiving $500 in direct deposits. The fee is also waived for account holders ages 17-24.
  • Wells Fargo Preferred Checking: Preferred Checking pays interest on your balance and offers free cashier’s checks. It comes with a $15 monthly service fee, but you can avoid this by maintaining a $10,000 minimum balance, having at least $1,000 in direct deposits each month or linking a Wells Fargo home mortgage.
  • Wells Fargo Clear Access Banking: This checking account is designed specifically for young people opening their first account, as people as young as 13 years old can open one with an adult co-owner. There are no checks or overdraft fees. It does have a $5 monthly service fee, but Wells Fargo waives the fee for account holders ages 13-24.
  • Portfolio by Wells Fargo: This interest checking account earns you premium relationship benefits and rewards. It also waives ATM fees in the U.S. and overseas. There is currently a $30 monthly service fee, but you can avoid this with $25,000 in monthly linked bank deposits or $50,000 in linked bank, brokerage and credit balances. However, be aware that the following changes are coming to this account:
    • Beginning May 28, the monthly fee will be lowered to $25, with $20,000 in qualifying deposits or investment account balances needed to waive the fee.
    • Credit balances will no longer count toward the monthly minimum, and credit accounts will be delinked starting on that date.

Wells Fargo Savings Accounts

  • Way2Save Savings: This account helps you build savings with automatic transfers of $1 from your checking account to your savings account with each debit card purchase. There is a $5 monthly fee that you can avoid by maintaining a $300 minimum daily balance or meeting certain transfer requirements. The fee is also waived for all primary account holders under age 24.
  • Platinum Savings: Earn up to a 0.02% bonus annual percentage yield and get easy access to your money with check-writing capability and the option to make unlimited ATM withdrawals. This account comes with a $12 monthly service fee, but you can avoid it by maintaining a $3,500 minimum daily balance.

3. Fill Out the Online Application or Apply in Person

Wells Fargo makes it fast and easy to open a bank account online. Gather the required personal information and the $25 opening deposit. You’ll be asked a few questions, such as whether you are a current customer and whether you want a joint or individual account. From there, you can choose the account you’d like to apply for and complete the application.

You can also talk to a banker in person by visiting any of Wells Fargo’s branch offices near you or calling a customer service representative. Representatives are available 24/7 at 866-245-3452.

Wells Fargo Checking Account Fees and Features

Wells Fargo offers checking accounts for customers at every financial stage of their lives. Although all accounts have a minimum opening deposit, you can have most of the monthly fees waived when you meet certain requirements.

The Wells Fargo Card Design Studio is an additional feature worth noting — you can insert your favorite image onto your Wells Fargo debit card and/or credit card, free of charge.

Here are the fees and features of each Wells Fargo checking account.

Wells Fargo Everyday Checking

  • Best for: Customers who want the convenience of many bank and ATM locations
  • Monthly fees: $10 (waived when you meet account requirements)
  • Minimum opening deposit: $25
  • Features:

Wells Fargo Preferred Checking

  • Best for: Customers who want the convenience of many bank and ATM locations
  • Monthly fees: $15 (waived when you meet account requirements)
  • Minimum opening deposit: $25
  • Features:
    • Debit card
    • Bill pay and online transfers
    • Mobile deposit
    • Text banking

Wells Fargo Clear Access Banking

  • Best for: People ages 13-24
  • Monthly fees: $5 (waived for customers ages 13-24)
  • Minimum opening deposit: $25
  • Features:
    • Debit card
    • Bill pay and online transfers
    • Mobile deposit
    • Text banking

Portfolio by Wells Fargo

  • Best for: Customers who maintain high balances and want rewards
  • Monthly fees:
    • Currently $30 (waived when you meet account requirements)
    • Updated account requirements and a $25 monthly fee are set to take effect on May 28, as noted above
  • Minimum opening deposit: $25
  • Features:
    • Relationship bonuses
    • Debit card
    • Waived ATM fees

Wells Fargo Savings Account Fees and Features

You can open a Wells Fargo savings account or CD individually or jointly through Wells Fargo Online or by calling or visiting a nearby branch office. The interest you earn on your deposits makes your money grow and helps to secure your long-term financial future.

Wells Fargo offers two popular savings accounts in addition to time accounts, each with benefits and features to meet your individual financial needs.

Way2Save Savings

  • Minimum opening deposit: $25
  • Monthly service fee: $5 (waived when you meet account requirements)
  • Features:
    • Automatic transfers from linked checking account
    • Overdraft protection

Platinum Savings

  • Minimum opening deposit: $25
  • Monthly service fee: $12 (waived when you meet account requirements)
  • Features:
    • Offers the highest rates of all Wells Fargo savings accounts
    • Option to write checks

Wells Fargo CDs

  • Minimum opening deposit: $2,500
  • Monthly service fee: $0
  • Features:
    • Fixed rates
    • Choice of terms
    • Often offer a better rate than savings accounts

How To Avoid Unwanted Fees

Most banks’ checking and savings accounts charge monthly fees unless the customer maintains a minimum average daily balance, and those aren’t the only fees you need to worry about. Here are some tips to help you hold on to more of your money.

Preventing Unwanted Fees

  • Avoid ATM fees: Find an in-network ATM near you to make fee-free withdrawals, or open a Portfolio by Wells Fargo account, which waives all ATM fees.
  • Set up email alerts: Set up free alerts via Wells Fargo’s website or app to be notified when your account balance dips below any amount you specify.
  • Avoid overdrafts: Open a Wells Fargo account offering overdraft protection or Overdraft Rewind to avoid costly overdraft fees. Also, use Wells Fargo’s app or phone support to keep track of your checking and savings account balances.

What To Consider Before Opening a Wells Fargo Account

Wells Fargo’s financial products cover almost every area of consumer finance. But like every bank, Wells Fargo has its pros and cons.

Pros of Wells Fargo:

  • Large network of banking locations and ATMs make Wells Fargo a convenient choice
  • Variety of checking and savings account options
  • Excellent customer service at local branches and online
  • Wells Fargo mobile app makes it easy to monitor your account from your mobile device
  • Free online budgeting tools
  • Competitive accounts for teens and college students

Cons of Wells Fargo:

  • 2016 scandal has caused mistrust
  • Size of Wells Fargo might intimidate customers who prefer a small-town banking network
  • High fees that can be difficult to waive
  • Low APY on savings accounts

Wells Fargo has some good points and some bad, so it’s important to weigh each of these pros and cons to determine if Wells Fargo is the best choice to meet your financial needs.

Actively Monitor Your Wells Fargo Accounts

Once you’ve set up your checking or savings account, you can manage it with instant alerts sent to your email or mobile device. That way, you’ll be notified right away when a transaction takes place. Wells Fargo also offers the following ways to monitor your account:

  • Wells Fargo Online gives you easy access to all of your accounts and lets you choose which activity details and alerts you see.
  • You can check your accounts with text banking or by using the Wells Fargo mobile website or app.
  • Paperless statements make your past account activity instantly available.

How Does Wells Fargo Stack Up Against Other Banks?

Here’s a look at how Wells Fargo compares to other large banks in terms of checking and savings account fees and interest rates.

Wells Fargo vs. Competitors: How Their Fees and Rates Compare

Wells Fargo

  • Basic checking account fees: $10 (waived when you meet account requirements)
  • Basic savings account fees: $5 (waived when you meet account requirements)
  • Overdraft fees: $35
  • ATM fees: $0 at Wells Fargo ATMs; $2.50 at non-Wells Fargo ATMs
  • Basic saving interest rate:0.01%

TD Bank

  • Basic checking account fees: $15 (waived when you meet account requirements)
  • Basic savings account fees: $5 (several ways to waive fee)
  • Overdraft fees: $35
  • ATM fees: $0 at TD Bank ATMs; $3 at non-TD ATMs
  • Basic saving interest rate: 0.02%

Bank of America

  • Basic checking account fees: $4.95 (waived when you meet account requirements)
  • Basic savings account fees: $8 (several ways to waive fee)
  • Overdraft fees: $35
  • ATM fees: $0 at Bank of America ATMs; $2.50 at non-Bank of America ATMs
  • Basic saving interest rate:0.01%

Chase

  • Basic checking account fees: $4.95 (can’t waive fee)
  • Basic savings account fees: $5 (waived when you meet account requirements)
  • Overdraft fees: $34
  • ATM fees: $0 at Chase ATMs; $2.50 at non-Chase ATMs
  • Basic saving interest rate:0.01%

Capital One

  • Basic checking account fees: $0
  • Basic savings account fees: $0
  • Overdraft fees: $35
  • ATM fees: $0
  • Basic saving interest rate:0.40%

U.S. Bank

  • Basic checking account fees: $6.95 (waived when you meet account requirements)
  • Basic savings account fees: $4 (waived when you meet account requirements)
  • Overdraft fees: $36
  • ATM fees: $0 at U.S. Bank ATMs; $2.50 at non-U.S. Bank ATMs outside of the MoneyPass network
  • Basic saving interest rate:0.01%

Is Wells Fargo the Bank for You?

Wells Fargo has a range of products available — including four checking accounts and two savings accounts — for all types of customers. No matter which one you choose, you can open it online or in person with the required personal information and a $25 opening deposit.

Once you open your account, you’ll be subject to monthly maintenance fees, but Wells Fargo will waive those fees if you meet specific requirements.

When considering Wells Fargo, keep in mind that it has lower interest rates than some other banks. If the low interest is acceptable to you, Wells Fargo may be a great option. You can open an account by dropping by a Wells Fargo branch near you.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of April 15, 2021.

This content is not provided by Wells Fargo. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Wells Fargo.

About the Author

Kathryn Pomroy is a professional writer with expertise in personal and business finance. Kathryn holds a BA in Journalism and has written for major publications, small and medium size business clients and several business journals. Kathryn has more than 15 years of experience, is adept with SEO best practices, AP and other style guides, and has hands-on experience with various content management systems. 

Источник: https://www.gobankingrates.com/banking/checking-account/how-to-open-wells-fargo-bank-account/

Opening a Bank Account Online

People do nearly everything online these days—including big things like applying for jobs, making large purchases and booking travel. But when it comes to the question of how to open a bank account online, is it really as easy as a few clicks or will you end up having to do it in person?

Good news: Setting up a checking or savings account online can be quite simple and take mere minutes. Some people even find that opening a bank account is faster than registering with an online shopping site or app like Uber.1 So how does it work, and what can you expect? How do you know if you’ll even get approved?

First things first: Who can open a bank account online?

As long as you have proof of identity and some credit history, you should be able to open an account. If you’ve had a few bounced checks or have a limited or negative credit history, there’s a chance you’ll have to go into the bank to set up your account in person. Banks need to be able to verify your credit online when you fill out an application, so a limited history might not give them enough information to get you approved.

If you’re concerned about bad credit, there are "second chance" bank accounts in all 50 states, some available online.2 However, they may require a balance or charge fees. Before getting started, it may not hurt to check your credit score with a service like CreditWise. It’s free and could be a good habit to adopt as it alerts you to changes in your score and even possible threats to your identity.

Can you open a bank account online for free?

There are free online bank accounts–both checking and savings–that require no deposit. Some banks will require you to put a little money in your account when you create it. This is called a minimum opening deposit, and it can vary based on the type of account you choose. To put that first deposit in your account, you could use a blank check, transfer money from another account or use a credit or debit card.

What does it take to open a bank account online?

Once you’ve decided which bank you want to use, it’s time to fill out your application online. If you’re under 18, you may need a guardian to co-sign the account. The application process will vary from bank to bank, but it’s helpful to have the following things handy:

  • Your driver’s license, passport or other government-issued ID card
  • Social Security number or Individual Taxpayer Identification Number (ITIN)
  • A blank check, debit card or credit card to make that first deposit

And you’ll usually need an email address, mailing address and a phone number. Once you have that ready, here’s how to open a bank account online:

  1. Go to the bank’s website. Stay safe! Any time you’re entering personal information online, take extra care. Always look for a lock symbol (or https://) next to the URL so you know your connection is safe and secure before entering your info.3 Find the link to "open an account." (Scroll down the homepage to the site map if you’re having trouble finding the link.)

  2. Choose the type of account you want. Most banks let you compare different kinds of accounts to help you decide. Do you want an individual account or do you want to open a joint account online? Do you want things like overdraft protection and the ability to earn interest? From checking and savings accounts to CDs and IRAs, there are many types of accounts you can open online.

  3. Fill out an application. Next, you’ll enter all of your personal information. You might also set up your username and password and create security questions to help protect your account.

  4. Agree to let the bank collect some information. Sometimes, submitting your application will automatically begin the credit check process, but some banks might ask you to review disclosures and privacy policies first. In some cases you’ll have to answer a few legal questions then check a box that lets the bank collect information about you and your credit.

  5. The approval process. Some banks will tell you if you’re approved right away, while others might take a bit longer. You can always log in later to check on the status of your application or call the bank if you have questions. If you’re not approved, you might have to go into the branch to finish the process.

  6. Make your first deposit. Once you’re approved, you’ll want to put some money in your new account. You can do this from another account online or over the phone. If it’s your first account, you may need to do this step in person with cash or a check.

With your account set up, you’re all ready to begin banking online! Depending on the account and its features, you may be able to write checks, pay bills with your bank account online, set up direct deposit and more right away. And remember: Always keep your login and password in a safe place where no one can find it.

Down the road, you may wonder "Can I close a bank account online?" You can, but each bank handles it a bit differently. Sometimes, all it takes is sending a secure message to your bank once you’re logged in.4 Or you may have to call customer service or mail in a form.4 Check your bank’s policy on its website, or stop by if you’d prefer to discuss it in person.

Banking today brings lots of choices, including the ability to get a whole lot done from the comfort of your home. From opening an account to paying bills, online banking was built for convenience–yours.

Of course, there will always be hoops to jump through, but making things simpler while safeguarding your money is what online banking is all about.

Источник: https://www.capitalone.com/bank/money-management/banking-basics/opening-a-bank-account-online/

Banking in Ghana

Despite the fact that only an estimated 10 percent of Ghana’s population has a banking account, the banking sector is known to be extremely well-developed. Although well-developed, banks in Ghana may not have the same level of efficiency if compared to banks in the U.S. or the U.K. You may encounter some human error, so do insist that your issues are addressed properly, but always remember to be patient with the bank employees.

Ghana’s banking sector

The central bank, the Bank of Ghana,  is responsible for the implementation of all monetary policies. Besides the Bank of Ghana, there are also commercial banks, development banks, merchant banks and rural unit banks.

International banks represented in Ghana that are recommended for expats include Barclays Bank , Standard Chartered  and Stanbic .

Setting up a bank account

Most banks in Ghana offer services, to both citizens and expats, for current/checking and savings accounts, letters of credit and loans.

It is advised to exchange your money and set up your bank account as soon as you have arrived in Ghana. This is so you will have easy access to your cash at all times, especially since the bank will issue you an ATM (debit) card.

In general, it is a fairly simple process to open an bank account in Ghana. The process usually only consists of filling out a form and submitting the appropriate documentation. In most cases, to open a personal account, the only documentation required is a form of identification, such as a passport. Although, sometimes more documentation will be requested, such as a second form of identification, proof of residence, a letter of introduction from your banking institution in your home country, a reference letter from an account-holder of the bank to which you are applying in Ghana and/or a letter of reference from your employer.

Because it is suggested to open a bank account right away, keep in mind that some banks will even open an account for you before you have proof of residence or employment, although this will require that you provide a six-month statement from your bank at home.

Need-to-know information

Language
As English is the official language in Ghana, all bank business will be conducted in English.

Banking hours
Commercial banks in Ghana operate on a Monday through Friday schedule, and usually open at 8:30 am and close around 4:30 to 5 pm, with the exception of closing at 3 pm on Fridays. Certain banks, such as The Prestige Centers of Barclays, will also be open on Saturday mornings.

Internet banking
Most banks in Ghana provide services such as Internet and telephone banking. Internet banking, in particular, has become increasingly popular, as banks feel they must offer this service to satisfy their customers, compete with other banks and contribute to the infrastructure of the Internet.

Credit cards
The issuance of credit cards in Ghana is a fairly new concept, the first being the Ecobank Visa Gold Cedi Credit Card in 2007. A Paypal account is best for online purchases. If you feel that it will be absolutely necessary to have a credit card in Ghana, you may want to apply in your home country before you leave - just be sure that it is a Visa or Mastercard.

Interest rate on loans
Be aware that interest rates on loans in Ghana are extremely high due to the fact that inflation continues to be an on-going problem. If looking to obtain a loan in Ghana, expect to pay at least 20 percent APR.

Salary in foreign currency
If your salary will be in a foreign currency during your stay in Ghana, is it advised that you set up an offshore account with a major bank. Chances are that if you deposit your foreign currency directly into a local bank, you may have to deal with some major complications withdrawing it as a foreign currency upon departure.

By Just Landed

Further reading

Does this article help?

Do you have any comments, updates or questions on this topic? Ask them here:

Источник: https://www.justlanded.com/english/Ghana/Ghana-Guide/Money/Banking-in-Ghana

Banking in Ghana

Despite the fact that only an estimated 10 percent of Ghana’s population has a banking account, the banking sector is known to be extremely well-developed. Although well-developed, banks in Ghana may not have the same level of efficiency if compared to banks in the U.S. or the U.K. You may encounter some human error, so do insist that your issues are addressed properly, but always remember to be patient with the bank employees.

Ghana’s banking sector

The central bank, the Bank of Ghana,  is responsible for the implementation of all monetary policies. Besides the Bank of Ghana, there are also commercial banks, development banks, merchant banks and rural unit banks.

International banks represented in Ghana that are recommended for expats include Barclays Bank , Standard Chartered  and Stanbic .

Setting up a bank account

Most banks in Ghana offer services, to both citizens and expats, for current/checking and savings accounts, letters of credit and loans.

It is advised to exchange your money and set up your bank account as soon as you have arrived in Ghana. This is so you will have easy access to your cash at all times, especially since the bank will issue you an ATM (debit) card.

In general, it is a fairly simple process to open an bank account in Ghana. The process usually only consists of filling out a form and submitting the appropriate documentation. In most cases, to open a personal account, the only documentation required is a form of identification, such as a passport. Although, sometimes more documentation will be requested, such as a second form of identification, proof of residence, a letter of introduction from your banking institution in your home country, a reference letter from an account-holder of the bank to which you are applying in Ghana and/or a letter of reference from your employer.

Because it is suggested to open a bank account right away, keep in mind that some banks will even open an account for you before you have proof of residence or employment, although this will require can i open a bank account online in ghana you provide a six-month statement from your bank at home.

Need-to-know information

Language
As English is the official language in Ghana, all bank business will be conducted in English.

Banking hours
Commercial banks in Ghana operate on a Monday through Friday schedule, and usually open at 8:30 am and close around 4:30 to 5 pm, with the exception of closing at 3 pm on Fridays. Certain banks, such as The Prestige Centers of Barclays, will also be open on Saturday mornings.

Internet banking
Most banks in Ghana provide services such as Internet and telephone banking. Internet banking, in particular, has become increasingly popular, as banks feel they must offer this service to satisfy their customers, compete with other banks and contribute to the infrastructure of the Internet.

Credit cards
The issuance of credit cards in Ghana is a fairly new concept, the first being the Ecobank Visa Gold Cedi Credit Card in 2007. A Paypal account is best for online purchases. If you feel that it will be absolutely necessary to have a credit card in Ghana, you may want to apply in your home country before you leave - just be sure that it is a Visa or Mastercard.

Interest rate on loans
Be aware that interest rates on loans in Ghana are extremely high due to the fact that inflation continues to be an on-going problem. If looking to obtain a loan in Ghana, expect to pay at least 20 percent APR.

Salary in foreign currency
If your salary will be in a foreign currency during your stay in Ghana, is it advised that you set up an offshore account with a major bank. Chances are that if you deposit your foreign currency directly into a local bank, you may have to deal with some major complications withdrawing it as a foreign currency upon departure.

By Just Landed

Further reading

Does this article help?

Do you have any comments, updates or questions on this topic? Ask them here:

Источник: https://www.justlanded.com/english/Ghana/Ghana-Guide/Money/Banking-in-Ghana

How To Open a Wells Fargo Account in 3 Steps

Banking / Checking Account

Wells-Fargo

Rob Wilson / Shutterstock.com

With over 7,200 branches and 13,000 ATMs, Wells Fargo banks are a common sight for Americans nationwide. And with products offering competitive fees and a wide range of accounts to choose from, it can be an attractive option despite its relatively low interest rates.

Opening a Wells Fargo bank account is simple, and you can do it yourself online or in person at a local branch. In this guide, you’ll learn how to open an account. This guide also looks at Wells Fargo’s checking and savings account fees and features and how Wells Fargo stacks up against other banks.

Steps To Open a Wells Fargo Bank Account

Wells Fargo

Despite a 2016 scandal resulting from sales practices at the time, opening a Wells Fargo bank account makes sense due to its wide availability of physical locations and ATMs. If that controversy makes you wary, rest assured that Wells Fargo has revamped its strategy to restore team members’ and customers’ trust by making a great customer experience its highest priority.

Here are a few simple steps you’ll need to follow to open an account with Wells Fargo.

1. Gather Required Personal Information

Collect all the information Well Fargo needs to properly identify you and remain compliant with banking laws:

  • Valid identification (driver’s license, state ID or matricula card)
  • Social Security number or tax ID number
  • Contact information: name, address, email address, phone number
  • Money for your opening deposit

If you open your account online rather than in person, you might have to scan your ID and attach it to your application or fax it to the bank.

2. Choose a Wells Fargo Bank Account

Explore all of Wells Fargo’s checking and savings account options and decide which is best for you. Wells Fargo currently has four checking accounts and two savings accounts available, and each has its benefits and drawbacks.

Wells Fargo Checking Accounts

  • Wells Fargo Everyday Checking: This account includes features such as the Wells Fargo mobile app, a debit card and alerts. There is a $10 monthly service fee, but there are ways to avoid it, such as by maintaining a $500 daily minimum balance or receiving $500 in direct deposits. The fee is also waived for account holders ages 17-24.
  • Wells Fargo Preferred Checking: Preferred Checking pays interest on your balance and offers free cashier’s checks. It comes with a $15 monthly service fee, but you can avoid this by maintaining a $10,000 minimum balance, having at least $1,000 in direct deposits each month or linking a Wells Fargo home mortgage.
  • Wells Fargo Clear Access Banking: This checking account is designed specifically for young people opening their first account, as people as young as 13 years old can open one with an adult co-owner. There are no checks or overdraft fees. It does have a $5 monthly service fee, but Wells Fargo waives the fee for account holders ages 13-24.
  • Portfolio by Wells Fargo: This interest checking account earns you premium relationship benefits and rewards. It also waives ATM fees in the U.S. and overseas. There is currently a $30 monthly service fee, but you can avoid this with $25,000 in monthly linked bank deposits or $50,000 in linked bank, brokerage and credit balances. However, be aware that the following changes are coming to this account:
    • Beginning May 28, the monthly fee will be lowered usaa claims $25, with $20,000 in qualifying deposits or investment account can i open a bank account online in ghana needed to waive the fee.
    • Credit balances will no longer count toward the monthly minimum, and credit accounts will be delinked starting on that date.

Wells Fargo Savings Accounts

  • Way2Save Savings: This account helps you build savings with automatic transfers of $1 from your checking account to your savings account with each debit card purchase. There is a $5 monthly fee that you can avoid by maintaining a $300 minimum daily balance or meeting certain transfer requirements. The fee is also waived for all primary account holders under age 24.
  • Platinum Savings: Earn up to a 0.02% bonus annual percentage yield and get easy access to your money with check-writing capability and the option to make unlimited ATM withdrawals. This account comes with a $12 monthly service fee, but you can avoid it by maintaining a $3,500 minimum daily balance.

3. Fill Out the Online Application or Apply in Person

Wells Fargo makes it fast and easy to open a bank account online. Gather the required personal information and the $25 opening deposit. You’ll be asked a few questions, such as whether you are a current customer and whether you want a joint or individual account. From there, you can choose the account you’d like to apply for and complete the application.

You can also talk to a banker in person by visiting any of Wells Fargo’s branch offices near you or calling a customer service representative. Representatives are available 24/7 at 866-245-3452.

Wells Fargo Checking Account Fees and Features

Wells Fargo offers checking accounts for customers at every financial stage of their lives. Although all accounts have a minimum opening deposit, you can have most of the monthly fees waived when you meet certain requirements.

The Wells Fargo Card Design Studio is an additional feature worth noting — you can insert your favorite image onto your Wells Fargo debit card and/or credit card, free of charge.

Here are the fees and features of each Wells Fargo checking account.

Wells Fargo Everyday Checking

  • Best for: Customers who want the convenience of many bank and ATM locations
  • Monthly fees: $10 (waived when you meet account requirements)
  • Minimum opening deposit: $25
  • Features:

Wells Fargo Preferred Checking

  • Best for: Customers who want the convenience of many bank and ATM locations
  • Monthly fees: $15 (waived when you meet account requirements)
  • Minimum opening deposit: $25
  • Features:
    • Debit card
    • Bill pay and online transfers
    • Mobile deposit
    • Text banking

Wells Fargo Clear Access Banking

  • Best for: People ages 13-24
  • Monthly fees: $5 (waived for customers ages 13-24)
  • Minimum opening deposit: $25
  • Features:
    • Debit card
    • Bill pay and online transfers
    • Mobile deposit
    • Text banking

Portfolio by Wells Fargo

  • Best for: Customers who maintain high balances and want rewards
  • Monthly fees:
    • Currently $30 (waived when you meet account requirements)
    • Updated account requirements and a $25 monthly fee are set to take effect on May 28, as noted above
  • Minimum opening deposit: $25
  • Features:
    • Relationship bonuses
    • Debit card
    • Waived ATM fees

Wells Fargo Savings Account Fees and Features

You can open a Wells Fargo savings account or CD individually or jointly through Wells Fargo Online or by calling or visiting a nearby branch office. The interest you earn on your deposits makes your money grow and helps to secure your long-term financial future.

Wells Fargo offers two popular savings accounts in addition to time accounts, each with benefits and features to can i open a bank account online in ghana your individual financial needs.

Way2Save Savings

  • Minimum opening deposit: $25
  • Monthly service fee: $5 (waived when you meet account requirements)
  • Features:
    • Automatic transfers from linked checking account
    • Overdraft protection

Platinum Savings

  • Minimum opening deposit: $25
  • Monthly service fee: $12 (waived when you meet account requirements)
  • Features:
    • Offers the highest rates of all Wells Fargo savings accounts
    • Option to write checks

Wells Fargo CDs

  • Minimum opening deposit: $2,500
  • Monthly service fee: $0
  • Features:
    • Fixed rates
    • Choice of terms
    • Often offer a better rate than savings accounts

How To Avoid Unwanted Fees

Most banks’ checking and savings accounts charge monthly fees unless the customer maintains a minimum average daily balance, and those can i open a bank account online in ghana the only fees you need to worry about. Here are some tips to help you hold on to more of your money.

Preventing Unwanted Fees

  • Avoid ATM fees: Find an in-network ATM near you to make fee-free withdrawals, or open a Portfolio by Wells Fargo account, which waives all ATM fees.
  • Set up email alerts: Set up free alerts via Wells Fargo’s website or app to be notified when your account balance dips below any amount you specify.
  • Avoid overdrafts: Open a Wells Fargo account offering overdraft protection or Overdraft Rewind to avoid costly overdraft fees. Also, use Wells Fargo’s app or phone support to keep track of your checking and savings account balances.

What To Consider Before Opening a Wells Fargo Account

Wells Fargo’s financial products cover almost every area of consumer finance. But like every bank, Wells Fargo has its pros and cons.

Pros of Wells Fargo:

  • Large network of banking locations and ATMs make Wells Fargo a convenient choice
  • Variety of checking and savings account options
  • Excellent customer service at local branches and online
  • Wells Fargo mobile app makes it easy to monitor your account from your mobile device
  • Free online budgeting tools
  • Competitive accounts for teens and college students

Cons of Wells Fargo:

  • 2016 scandal has caused mistrust
  • Size of Wells Fargo might intimidate customers who prefer a small-town banking network
  • High fees that can be difficult to waive
  • Low APY on savings accounts

Wells Fargo has some good points and some bad, so it’s important to weigh each of these pros and cons to determine if Wells Fargo is the best choice to meet your financial needs.

Actively Monitor Your Wells Fargo Accounts

Once you’ve set up your checking or savings account, you can manage it with instant alerts sent to your email or mobile device. That way, you’ll be notified right away when a transaction takes place. Wells Fargo also offers the following ways to monitor your account:

  • Wells Fargo Online gives you easy access to all of your accounts and lets you choose which activity details and alerts you see.
  • You can check your accounts with text banking or by using the Wells Fargo mobile website or app.
  • Paperless statements make your past account activity instantly available.

How Does Wells Fargo Stack Up Against Other Banks?

Here’s a look at how Wells Fargo compares to other large banks in terms of checking and savings account fees and interest rates.

Wells Fargo vs. Competitors: How Their Fees and Rates Compare

Wells Fargo

  • Basic checking account fees: $10 (waived when you meet account requirements)
  • Basic savings account fees: $5 (waived when you meet account requirements)
  • Overdraft fees: $35
  • ATM fees: $0 at Wells Fargo ATMs; $2.50 at non-Wells Fargo ATMs
  • Basic saving interest rate:0.01%

TD Bank

  • Basic can i open a bank account online in ghana account fees: $15 (waived when you meet account requirements)
  • Basic savings account fees: $5 (several ways to waive fee)
  • Overdraft fees: $35
  • ATM fees: $0 at TD Bank ATMs; $3 at non-TD ATMs
  • Basic saving interest rate: 0.02%

Bank of America

  • Basic checking account fees: $4.95 (waived when you meet account requirements)
  • Basic savings account fees: $8 (several ways to waive fee)
  • Overdraft fees: $35
  • ATM fees: $0 at Bank of America ATMs; $2.50 at non-Bank of America ATMs
  • Basic saving interest rate:0.01%

Chase

  • Basic checking account fees: $4.95 (can’t waive fee)
  • Basic savings account fees: $5 (waived when you meet account requirements)
  • Overdraft fees: $34
  • ATM fees: $0 at Chase ATMs; $2.50 at non-Chase ATMs
  • Basic saving interest rate:0.01%

Capital One

  • Basic checking account fees: $0
  • Basic savings account fees: $0
  • Overdraft fees: $35
  • ATM fees: $0
  • Basic saving interest rate:0.40%

U.S. Bank

  • Basic checking account fees: $6.95 (waived when you meet account requirements)
  • Basic savings account fees: $4 (waived when you meet account requirements)
  • Overdraft fees: $36
  • ATM fees: $0 at U.S. Bank ATMs; $2.50 at non-U.S. Bank ATMs outside of the MoneyPass network
  • Basic saving interest rate:0.01%

Is Wells Fargo the Bank for You?

Wells Fargo has a range of products available — including four checking accounts and two savings accounts — for all types of customers. No matter which one you choose, you can open it online or in person with the required personal information and a $25 opening deposit.

Once you open your account, you’ll be subject to monthly maintenance fees, but Wells Fargo will waive those fees if you meet specific requirements.

When considering Wells Fargo, keep in mind that it has lower interest rates than some other banks. If the low interest is acceptable to you, Wells Fargo may be a great option. You can open an account by dropping by a Wells Fargo branch near you.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of April 15, 2021.

This content is not provided by Wells Fargo. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Wells Fargo.

About the Author

Kathryn Pomroy is a professional writer with expertise in personal and business finance. Kathryn holds a BA in Journalism and has written for major publications, small and medium size business clients and several business journals. Kathryn has more than 15 years of experience, is adept with SEO best practices, AP and other style bb gun targets, and has hands-on experience with various content management systems. 

Источник: https://www.gobankingrates.com/banking/checking-account/how-to-open-wells-fargo-bank-account/
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How can I Transfer Money to a SG-SSB Limited Bank Account in Ghana?

Transfer money to SG-SSB Limited bank Ghana via Xendpay.com

To simplify the way you transfer money to SG-SSB bank Ghana to Ghana and to get a great exchange rate, a commission free service and to pay really low transfer fees you should make the money transfer through Xendpay. 

With Xendpay, you can transfer money 24/7 via our online money transfer platform, which means you can make your transactions whenever you want, and you will not be restricted to the opening times of a bank or a money sending agent. 

Xendpay will also allow you to benefit from a very competitive exchange rate; you will not have to can i open a bank account online in ghana any commissions and our transfers our highly competitive.

SG-SSB Limited bank Ghana; Société Générale Social Security Bank

SG-SSB is a bank that is based in Ghana which is part of the Société Générale banking group. The bank whose official name is Société Générale Social Security Bank has around 38 branches in Ghana and on their website they claim that they are the 4th largest bank in Ghana.

Transferring money to an account at SG-SSB Limited bank Ghana

SG SSB

Bank name:SG-SSB Limited bank Ghana 
Address:

C796 A/3, Ring Road Central (P.O. Box 13119)

Accra

Phone number:233-21-254713
Website:

http://www.sg-ssb.com.gh/

SWIFT code:SSEBGHAC

There are a number of reasons why you is south carolina a red state or a blue state require you to transfer money to a SG-SSB bank account in Ghana, for example financial support to a loved one or to credit your personal account in Ghana. Whatever your reason for making the remittances, when using Xendpay you will be assured of some of the most competitive exchange rates available on the market, a commission free service and really low transfer fees. 

What differentiates Xendpay from a bank or a money sending bureaux…

The main difference is that Xendpay is a money transfer and currency exchange specialist, so we can offer more attractive exchange rates than banks and other money sending agents. In addition to this, our expertise enables us to exclusively focus on currency exchange and the accompanying services, so we are extremely competent when it comes to remitting money. 

With Xendpay you can open an account for free within a matter of minutes; all it will take is a few clicks, letting us know some information about you and about your beneficiary/ beneficiaries. Once you have completed can i open a bank account online in ghana transaction your beneficiaries and transaction history will be stored on our memory, so making subsequent transactions will be really simple and you can keep track of your money transfer history. 

To transfer money you will simply need to specify the beneficiary, the currency, amount and method of payment, either credit or debit card or a bank transfer. A real time exchange rate will then be proposed, which will be updated whenever a currency fluctuation occurs, so you will get the most competitive rate. 

Security wise Xendpay is approved by the Financial Conduct authority for the provision or payment services (FCA) to operate as a worldwide money transfer services provider. We are also part of the SWIFT banking network, which enables us to ensure the fast execution of each transaction.

The information you need to initiate a money transfer to Ghana

To add a beneficiary to your Xendpay account we will need to know their name, their bank account details, their IBAN number, the address of their Us bank secured credit card pre qualify Limited account and its SWIFT code.

Open an Xendpay account now for free and without any obligation if you need to send money to Ghana.

SG-SSB Limited bank Ghana, like all banks, may sometimes refuse to accept payments from some or all third parties.  Under these circumstances we will return the money to the client once it has been returned to RationalFX, less any SWIFT and third-party transfer costs and foreign exchange losses incurred.

Transfer  money to SG-SSB Limited bank Ghana

Источник: https://xendpay.com/countries/ghana/how-can-i-transfer-money-to-a-sg-ssb-limited-bank-account-in-ghana/

How to Open A StanChart Bank Account On Phone & Get A Free Debit Card Delivered To You

After reading the article on ‘Mobile Money Is Not Enough: Why you Need a Bank Account’, the next question you might be asking yourself is: How will you open a bank account? Well, your question has been well thought off and in this article, we are going to show you how you can open a StanChart bank account from your home and get a free debit card delivered to you.

In this coronavirus pandemic era, the need to move most of your day to day resources and activities online has become common and important. Workers are now working from home, students and teachers have all migrated online.

As a result, if your bank does not offer online services, you are indeed missing out and at a disadvantaged position. That is why we researched on the various banks in Ghana and have come up with a suggestion that can help you open a new StanChart bank account and get a free debit card delivered to you without moving out of your house.

The reason why we selected can i open a bank account online in ghana particular bank is the fact that it offers 24/7 access to your bank account and also saves you the stress and fear of moving out of your house to go to the bank especially, in this pandemic though there are similar banks.

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What Are The Requirements For Opening An Account?

To open an account, there are some requirements you need and they are:

msport-incontent
  • You must be at least 18 years old
  • Taxpayer Identification Number (TIN)
  • Valid National ID (National ID, Driver’s License, Social Security + Birth Certificate, Voter ID + Birth Certificate)
  • Utility bill (not less than 3 months old)

What Are The Types of Bank Accounts That Are Available At Standard Chartered?

First of all, before you proceed to open your bank account, there are three (3) main types of bank accounts that Standard Chartered offer and you need to what are interest rates today the type that fits you best. The available types are:

Current Account

This type of bank account is ideal for people who need a bank account for their salary and their day-to-day transactions. With this type of bank account, you are at liberty to apply for a loan and other credit offers and also comes with a cheque book.

One of the benefits of this type of account is the freedom to make the number of transactions you want without any restrictions. But, the only disadvantage is that fact that there’s no interest earned on your money when you open a Current Account.

In terms of fees, you are charged a fixed monthly fee and the initial account opening balance is GH¢100 and there should be a minimum balance of GH¢100 at all times.

Savings Account

Unlike the current account, the savings account is an interest-bearing account with a restriction on the number of transactions that can be made monthly. There are no nc gov des fees under this type of account and there are daily, weekly and monthly eStatement that will be sent to your email based on your preference.

Just like the current account, the minimum initial account opening balance is GH¢100 and comes with a cheque book.

Fixed Deposits

If you are a person interested in investment, then this is the perfect type of account for you. With this account, you maximize every pesewa you earn and grow your savings. It also has attractive interest rates that are calculated daily and credited monthly.

You can also borrow up to 90% of your fixed deposit at normal interest rates. There’s also eStatement available monthly and the minimum account opening deposit is GH¢1,000.

NOTE: Under each type of account, there are different categories available for you to choose from.

How to Open A StanChart Bank Account On Phone & A Free Debit Card Delivered To You

Now that you know the requirements and the available types of account, let’s now get into the main reason for this article. The steps to open the account are as follows:

  1. Download the SC Mobile app from the Google Playstore or the Apple Appstore
  2. Select “Open Account”
  3. Input your contact details
  4. Upload the required documents
  5. Take a selfie photo and upload a clear photo of your valid National ID and signature
  6. Review/provide your ID details
  7. Review your inputted details and accept the terms and conditions
  8. Submit the request and wait for your account to be created.

NOTE: The processing of the application usually takes two working days but can exceed that in certain situations. Also, for the name on the debit card, you will be asked to choose the name that you want but our advice is to use your real name.

The number of accounts you open is not restricted to can i open a bank account online in ghana one, but you need to open one first and later open the other.

Once your account has been successfully created, a message will be sent to you via SMS and an agent can i open a bank account online in ghana Standard Chartered will contact you to deliver your debit card to you based on the location you used in creating the account.

Conclusion

In case you are not able to complete the process, you can always save your progress and continue whenever you’re ready. Also, if you are a salaried worker who receives a monthly income of not less than GH¢1,000, you qualify for a credit card in addition to the debit card.

The entire process of opening your account is a little bit complicated but after reading through this article carefully, there shouldn’t be any confusion.

 Finally, make sure to keep your account details personal and keep your debit card in a safe place; and avoid making online purchases from untrusted vendors.

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